| Summary: | 碩士 === 國立成功大學 === 統計學系 === 102 === Since health-conscious enhancement and life expectancy of people growth, most of compatriots would prefer to select commercial whole-life medical insurance to compensate the limited protection of the National Health Insurance (NHI) and prevent the high medical expenses resulting from frequent medical care and treatment in the future of old age. The commercial whole-life medical insurance can be divided into three types: account-type policy, multiple-type policy and preservation policy. Since there are large differences among a unit of premium, events of claims and claimed payments on current whole-life medical insurance, this study is mainly to compare the claimed payment on these three types of whole-life medical insurance.
For events of claims, lack of the elderly-age incidences of in being hospitalized, emergency treatment, inpatient surgery, outpatient surgery and the critical illness, use the Grey theory to forecast those incidences in this study. Also using the 2012 Taiwan Standard Ordinary Experience Mortality Table to simulate the remained life of the insured. Follow the predicted results to simulate the medical situation of the insured at the time of starting insured until death. Hopefully, this study can be a guideline for people to select whole-life insurances.
The result shows that the proportion of protection of the preservation policy is higher than the other two types. Furthermore, no matter which gender is, the proportion of protection of the preservation policy is higher than the account-type policy at age above 5 and the proportion of protection of the account-type policy is higher than the preservation policy when the age is below age 5. And raise of interest rate will cause the decreasing of the proportion of protection, especially at age 0 to age 4.
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