| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 95 === For the past years, dread-disease insurance business is rapidly developed in every insurance company in Taiwan. However, this area is lack of research interest so far, so this research focuses on investigating the real cases of insurees’ premium in relation to insurance claims and the termination of insurance contracts, for the reference of insurance companies to design this kind of product and to assess the risk of new contract. This helps to lower the cost in signing new contracts and avoid anti-selection caused by the lack of information of dread diseases, and furthermore, to protect the profit and solvency.
This research uses truncated data and employs variance analysis, to examine the variables of the days of insurance claims and those of the days of the termination of insurance contract. After the variance analysis reveals significant data, Scheffe multiple comparison is employed to test those variables. Next, Logistic Regression Model and Censored Tobit Model are used to analyze the data and compare the result of these two models. Finally, Censored Quantile Regression(CQR) is applied to explain the days of insurance claims in relation to each variable.
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