| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 95 === The latter portion of 1930s, had considered the individual fairness gradually already from the past group''s fairness in premium rating, therefore develop out retrospective rating. Contrast other premium rating, the premium is determined depends upon the insured''s actual losses during the policy period, and retrospective premium is subject to minimum premium and maximum premium.
This research adopts the scenario analysis, aim at measuring the minimum premium or maximum premium that the insured select for use, whether can produce the nticipated effect under various kinds of situations, means the retrospective premium must be lain between minimum premium and maximum premium. If not, then the insured should adjust the factor of minimum premium or maximum premium in good time. The result of research is found:
1.Minimum premium and maximum premium that the insured of type I (low loss frequency and high loss severity) used will not influence retrospective premium, show that minimum premium factor and maximum premium factor selected for use by it is very proper, can reach the anticipated effect, so that don’t need to modification.
2.As to the insured of type II (high loss frequency and low loss severity), because actual losses are too high, result in retrospective premium is all higher than maximum premium, show that it’s maximum premium factor used is inappropriate, so that must heighten maximum premium factor, it is more rationalized that can enable retrospective premium.
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