The case study of insurance medicine underwriting

• Main Author: 劉昆泯
• Other Authors: 胡木成
• Format: Others
• Language: zh-TW
• Published: 2005
• Online Access: http://ndltd.ncl.edu.tw/handle/92574429870771140116

碩士 === 樹德科技大學 === 金融保險研究所 === 93 === Abstract When a life insurance company has sold a policy and received the premium, its most important objective will be to earn the loss savings, expense savings and excess interest . However, under the condition where the excess interest is not certain, and the expense savings remains the same, how should the insurance company keep the realized mortality of its insured-to-be in the safety zone of the expected mortality? Since the considerations regarding the secondary standard risk has become more complicated, due to the reliance of computer underwriting by the insurance companies nowadays, the disparity comparisons listed in the following had to be done through methods of underwriting by hand: 1.Computer underwriting is mainly done with standard risk. Underwriters can directly make an order when there are no note or health examinations. 2.Underwriting done by hand is mainly of secondary standard risk, with the computer underwriting as its auxiliary. It will have to be processed by non-computer methods when there are health examinations or note. The progression methods are checking the medical records from the hospital, asking the insured to fill out the survey again, or asking the insured to get a health examination etc. 3. Since computer underwriting is often processed in a higher speed, there could be issues of secondary standard risk in the health examination ignored. Therefore, the objectives for the present article are: 1.With analyses of underwriting experiences, underwriters can elevate their underwriting skills in order to prevent errors in underwriting for increasing the underwriting profit, as well as provide the chief directors of associated department in the company with advices and references. 2.To provide the insured with the basic outlines of insurance underwriting, for reducing the concept disparities concerning underwriting between the two parties. Key words: computer underwriting, insurance medicine, clinical medicine.