An Empirical Study of the Individual Accidental Insurance with Medical Claim Amount Limit in Taiwan

• Main Authors: Shih-hung Wu, 吳世弘
• Other Authors: Jinn-Tyan Lin
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/34944633217807690311

碩士 === 逢甲大學 === 統計與精算所 === 97 === This article will use the 2001-2005 year experience of the individual accidental loss ratio in Taiwan life insurance companies to analyze the individual accidental insurance with medical claim limit. The main contents of this research are as follows: (1)The analysis of the current market of the individual accidental insurance with medical claim limit. (2)The loss analysis of this group based on the payment ratio, the crude medical rate based on the insurance amount, and the crude medical rate based on the claim frequency. (3)The survey of classification relativity of the crude medical rate of the insurance amount and the present tariff ratio to determine whether the premiums are fairly priced. (4)The study of significance of factors and interactions to the crude medical rate based on the analysis of variance and the snapline graphs. (5)The estimation of the loss severity by using the maximum benefit limit and the actual payment to fit model, and the comparison of the occupational premiums and medical claim limits of business policies between property and life insurance companies by the determination of the first class of the occupational premium and the increase limits factor in each insurance amount layer.