The analysis of the possibility of applying health hazard factors into workers’compensation ratemaking

• Main Authors: SZ-HUA CHEN, 陳思樺
• Other Authors: CHANG,CHIH-KAI
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/69741293842383864895

碩士 === 逢甲大學 === 風險管理與保險學系 === 104 === This study aims to analyze the possibility of considering the health hazard factors whilst setting workers’ compensation rate. As for now, the workers compensation rates in Taiwan are set on the basis of historical data. This study is aim to probe the possibility of calculating the rate before the claim incurred by considering the current circumstances of each insured. Firstly, the study observed the OECD (Organisation for Economic Co-operation and Development) countries by the accurate information from these countries official websites, researches, and contacting their rating bureau. Secondly, analyzing all the information which calculate in the first phase. Referring OECD countries rating system, probing if any of them considering health hazard factors whilst pricing. Furthermore, the study observed other practical hazard management methods which can be the reference for Taiwan’s rating system. Last but not the least, this study managed to build a model which integrate health hazard factors into workers’ compensation rating system.