| Summary: | 碩士 === 東吳大學 === 財務工程與精算數學系 === 105 === There are various limitation and benefit provisions of hospital income benefit of one-year health insurance provided in the current market, as the result, insured may choose an insurance policy based on lower premium but neglect the coverage. In order to enable insured to choose a suitable insurance policy based on their ages, and insurance companies can also design different products for the target group and provide a variety of options for the insured.
In this study, we target to 0~100 years old people, divide them into 19 groups by ages and sexes, and settle 90 days as the claim limit, then use the software @Risk to simulate the average hospital day of every group for calculating net premium rate of hospital income benefit of one-year health insurance.
According to the results of the study, there are significant differences of average hospital days between different age groups for both sexes. In order to obtain reasonable premium rate, insurance companies should pay attention to see if it is appropriate to use the same average hospital days for all age groups for rate-making. Different claim limit has different impact to each age levels. In order to choose the policy which is with affordable premium and also can provide adequate protection, premium should not be the only basis for insured, the coverage should be also considered.
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