التفاصيل البيبلوغرافية
| العنوان: |
影響個人健康險出險因素之研究 ; A Study on Factors Affect the Individual Health Insurance Claim |
| المؤلفون: |
黃紫嫺, Huang, Tzu-Hsien |
| المساهمون: |
簡立賢, Li-Hsien Chien, 中興大學, 黃炳文, Biing-Wen Huang, 施孟隆, Meng-Long Shih |
| بيانات النشر: |
應用經濟學系所 |
| سنة النشر: |
2010 |
| المجموعة: |
National Chung Hsing University Institutional Repository - NCHUIR / 國立中興大學 |
| مصطلحات موضوعية: |
二元Logistic迴歸模型, binary logistic regression model, Poisson迴歸模型, 核保理賠, 保單風險程度, poisson regression model, underwriting and claim adjusting, risk degree for insurance policy |
| الوصف: |
本研究係以某壽險公司於2001至2004年間所承保之被保險人為研究對象，考量二元Logistic迴歸模型在不同之臨界值設定下，各模型對於出險與否之分類預測能力，並尋找影響個人健康保險出險與否之重要因素，同時藉由Poisson迴歸模型探討影響保單風險程度之重要因素。 主要實證分析結論如下： 一、「保險金額」、「繳費類別」及「職業類別」對於「出險與否」具有反向且顯著影響；至於「保險費」、被保險人之「年齡」及「體格」則對於同樣的依變數具有正向且重要之影響。 二、在不同出險臨界值設定下，二元Logistic迴歸模型會產生不同程度的型Ⅰ與型Ⅱ誤差，而以型Ⅰ誤差為較低之前提下，臨界值為0.13的推估模型對於2001至2004年出險之預測能力相對較佳，顯示出險反應確實呈現不對稱分布，應該於初期予以即時處理因應。 三、「繳費年期」、「保險金額」、「保險費」、「被保險人年齡」、「要保人與被保險人關係」及「營業單位」對於「保單風險程度」具有正向且顯著影響；「繳費類別」、「體格」、「職業類別」及「理賠給付項目」對於相同的依變數則顯示為顯著負相關影響。 ; This study used the underwriting insured customers from some life insurance company from 2001 to 2004 as the research objects. The Binary Logistic Regression model with different critical values was adopted to measure and compare the prediction power of claim for each stage. Those factors influenced the claim of the personal health insurance were analyzed and tested. Meanwhile the Poisson Regression model was considered to probe into the important factors which affected the degree of risk for the specific insurance policy. Major statistical results were concluded as follows: 1.Three factors - insured amount, classification of premium paying, and job classification, were significantly negatively correlated with the claim. The premium, age of insured, and physique were the significantly positively correlated with the claim. 2.Under the different critical values, the Binary Logistic Regression model would attach to the type Ⅰ and type Ⅱ error at some degree. Under the minimum tolerance with type Ⅰ error, the critical condition with value at 0.13 presented the best performance of the claim to 2004 on 2001. 3.Term of paying premium, insured amount, the premium, age of insured, relation of applicant for insurance and insured, and business unit were significantly positively correlated with the degree of risk on the insurance policy. And classification of premium paying, physique, job classification, and the paying item of claim presented the opposite effection were the negative correlation and important influence for the degree of risk on the insurance ... |
| نوع الوثيقة: |
thesis |
| اللغة: |
English |
| Relation: |
http://www.airitilibrary.com/Publication/alDetailedMesh1?DocID=U0005-2608200921444000; U0005-2608200921444000; http://hdl.handle.net/11455/28362 |
| الاتاحة: |
http://hdl.handle.net/11455/28362 |
| Rights: |
none |
| رقم الانضمام: |
edsbas.CD06E4D9 |
| قاعدة البيانات: |
BASE |