| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險系碩士專班 === 105 === In recent years, with the education level and the level of knowledge to improve the concept of insurance has gradually been accepted by the public, more people choose to take insurance as a risk of transfer and protection planning. However, medical insurance in the insurance company has been a considerable part of the claims, especially short-term insurance is the most uncomfortable insurance companies.
Based on the 3220 data of C company from 1981 to 2012, this study explores the factors of short-term risk of accident and health insurance, analyzes and discusses the relationship between short-term risk factors, and uses Logistic regression model to predict And analysis, to explore the variables for the independent variables have sex, age, premium payment, physical examination, claims reasons, the main contract and the type of attachment. And it is hoped that this study will reflect the short-term risk of accidents and health risks in insurance companies, and it can reflect the effect of risk prevention on the basis of the variables that affect the risk. Insurance risk selection and claims risk management of the reference, expect to put an end to improper claims and to prevent moral hazard, to achieve the insurance company balance of payments and sound performance.
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