Risk Assessment on Individual Accident Insurance

• Main Authors: Pei-hsien Chang, 張佩仙
• Other Authors: Jin-Tian Lin
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/03015966980931229664

碩士 === 逢甲大學 === 風險管理與保險研究所 === 98 === The data of the thesis was selected from「Taiwan Personal Accidental Death Benefit Experience Morbidity Report」edited by Taiwan Insurance Institute (2002-2006 Observation Year), for accident death and disablement experience data. This thesis analyzes sex, occupation and age by BVAR, in order to assess classification efficiency on different analysis projects. The final results of this research shows that：Combining occupation and age, sex and age, or sex, occupation and age together in analysis yielded better efficiency than considering occupation alone. However, considering two risk classification variables didn’t differ much than considering more risk classification variables. Finally, according to the analysis, for individual accident death and disablement insurance, the study suggest：As this analysis found, life and casualty insurance companies and governmental agencies should consider combining occupation and age in insurance rate classification, to yield more efficient and fair rating classes.