A Study on the Determinants for Short-term Medical Insurance Claim Factors

• Main Authors: Pei-hsin Tsai, 蔡佩杏
• Other Authors: Shuofen Hsu
• Format: Others
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/69711452821314035335

碩士 === 國立高雄第一科技大學 === 風險管理與保險研究所 === 101 === Medical insurance has always been a major part of claims for insurance companies; in most cases, clients and insurance companies are not equally informed, and thus companies would be extra cautious when approving clients’ applications and need to examine related medical reports when clients make their claims. Under such circumstances, short-term claims are the last scenario that insurance companies want to see. This study will focus on determinants for short-term medical insurance claims, analyzing factors that have influence on short-term claims and discussing the relation between medical insurance and short-term claims. The prediction and analysis in this study are based on Logistic Regression Model. The variables in this study are independent ones, including insured amount of primary insurance, insured amount of insurance riders, annual premium, type of premium payment, type of medical exam, gender, if it requires the same insurer, if it includes surgery, investigation, emergency care, level of in treatment hospital, and age. This study will cover a discussion on the positive and negative correlation among the variables. This study aims at helping insurance companies achieve the practical prevention of risks under the influence of variables in the perspective of short-term medical insurance claims; insurance companies can further have an access to correct information and achieve a better balance and stable performance in insurance approval management and policy standards design.