| Summary: | 碩士 === 逢甲大學 === 風險管理與保險研究所 === 100 === This research is aimed to the arrangement of experience loss ratios in the personal accident insurance of Taiwan’s life insurance company, and analyzes it as the data that were sorted out, then probe its appropriateness comparing to the restriction of existing regulations; in addition taking the experiences in the same loss period of Property Insurance companies and Life Insurance companies into simple comparison, analyzing the differences between both according to the experience data that were demonstrated.
The result shows that: the accidental mortality ratios of main contract is twice more than additional contract, but the standard differences of additional contract in practical experiences and regulations are more than main contract; accidental dismemberment benefit ratio won’t change according to accidental mortality ratio, the accidental dismemberment benefit ratio which is 40% of accidental mortality ratio should be corrected; every occupational classifications exists differences between loss experience and classification relativity; the accidental mortality ratio of first category in occupational classification of Property Insurance is more than other categories, which shows an unreasonable phenomenon.
Therefore I hope that the ratio related regulations of existing Accident Insurance can gradually deregulate to the current experience situations and I suggest that the supervisory authorities bring in the foreign minimum loss ratio regulations, for the consumers, premium rate can be reasonable and equity, and prevent the Cross-Subsidization situations happen between each type of insurances for insurance companies in a long-term.
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