The Study of Short-term Claims on Lifelong Medical Insurance Claims

• Main Authors: CHANG,CHING-FANG, 張靜芳
• Other Authors: CHENG, CHIA-YI
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/43568137038399861363

碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 104 === The life expectancy of people has increased steadily. If it was not the cause of healthy aging, medical claims will be high in probability relatively. In recent years, the life insurance company claimed that the expenditure of health insurance rise year by year. Under such environmental conditions, the medical of short-term claims did not like to be seen in the life insurance companies. This short-term claims may imply improper sales and attract customers to insure bad motives. The purpose of this study was to view from the life insurance company underwriting and claims, explore the factors of sales and policyholders on medical short-term claims. This study investigated that the factor affecting the quality of the company's business to Pearson correlation analysis salesman background, the sales's organization features, policyholders and policy background characteristics, review whether these factors and short-term claims insurance were correlated. The results is as shown as below: 1. The older the age of a salesman and the higher level of high school or vocational school, the higher the probability of short-term claims for the managing position of solicitation on insurance cases. 2. The bigger the sales organization has the solicitation of insurance cases gets the higher probability on short-term claims. 3. The insured with younger age and those who are female gets the higher probability on short-term claims. 4. The time on insurance is longer with medical check and increasing insurance fees gets the higher probability on short-term claims. One salesman who was able to make benefits for an insurance company depends on the quality to attract rather than the amount of performance. Those salesmen who stands on the front line facing the policyholders to have risk selection, in order to avoid improper solicitation and unfiltered policyholders with personal intentions.