An empirical Analysis of Relevance among Risk Factors, Selection of Insured Amount and Loss Ratio: A Case Study of Group Injury Insurance
學年 103
學期 2
出版（發表）日期 2015-03-01
作品名稱 An empirical Analysis of Relevance among Risk Factors, Selection of Insured Amount and Loss Ratio: A Case Study of Group Injury Insurance
作品名稱（其他語言）
著者 Hsu-Hua Lee; Ming-Yuan Hsu; Chen-Ying Lee
單位
出版者
著錄名稱、卷期、頁數 Journal of Applied Sciences 15(3), pp.500-507
摘要 The purpose of this study is to examine whether high-risk groups tend to choose a higher insured amount and whether a higher insured amount leads to a higher loss ratio. Data of 2009 on group injury insurance from a property-liability company in Taiwan is analyzed by using a structural quotation model. Eight variables are used to describe the relationship between risk factors and the selection of the insured amount. The result indicates that both underwriting and rating have a significant positive impact on the selection of the insured amount. The analysis of the relationship between a high insured amount and a high loss ratio indicates that both the medical expense insured amount and the daily hospitalization indemnity have significant positive impact on the loss ratio. The results of this study can help underwriters establish a sound underwriting and rating system and also increase underwriting profits.
關鍵字
語言 en
ISSN 1812-5662
期刊性質 國外
收錄於
產學合作
通訊作者
審稿制度 否
國別 PAK
公開徵稿
出版型式 ,電子版,紙本
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機構典藏連結 ( http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/104350 )

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