The Relationship Between Insurance Channel & Claim Rate Of Commercial Health Insurance － A Study On F Company

• Main Authors: Tseng Shao Wei, 曾少威
• Other Authors: TSENG LU MING
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/3vwh3w

碩士 === 逢甲大學 === 金融碩士在職專班 === 105 === Over the past few years, domestic with the development of the overall economic environment and the changes in financial markets, as well as the impact of internationalization and liberalization, the life insurance industry has brought about a huge change. In the implementation of the financial holding law, to promote property insurance, banking and securities across the life insurance industry, the traditional salesman-based marketing channels have been unable to meet the competitive needs of life insurance market, to promote insurance marketing channels In addition to the traditional marketing model, more Bank insurance, telephone marketing, online media and other marketing channels in the rise of the diversification of the trend, the insurance company to contact customers more abundant than the previous channels, consumers choose to buy insurance more than ever. The main purpose of this study is to explore the relevance of insurance channels and health insurance odds. The empirical data of this paper are from the insurance insurance salesman, bank insurance and insurance brokers in Taiwan, a life insurance company, and the health insurance odds sold by the four channels of direct marketing. The company is covered by 102 to 104 years 11 kinds of insurance, 36 months of claims status. The empirical results show that the odds and odds of insurance brokers and insurance brokers are higher than those of bank insurance and direct marketing. There is a significant difference in odds due to different routes. Summarize the following recommendations based on empirical results as an insurance company: First, to strengthen business personnel education and training and multiple access to reduce the loss rate. Second, the life insurance companies for different consumer groups to implement market segment marketing. Third, to enhance the professional sales of insurance and service quality.