我國傷害保險費率釐訂與監理方式之研究

A Study on Rate-Making and Regulation of Personal Accident Insurance in Taiwan

周志勇(Chih-Yung Chou)

指導教授 ： 廖述源

共同指導教授 ： 呂慧芬(Hui-Fen Lu)

淡江大學/商管學院/保險學系保險經營碩士在職專班/碩士(2013年)

https://doi.org/10.6846/TKU.2013.00003

摘要

本研究主要分析我國現行個人傷害保險之經驗，並以臺灣壽險業個人傷害保險年度經驗損失率研究報告統計分析2001年至2008年單一及合併5年觀察年度經驗損失，並與法定監理規範間之差異進行比較及探討：
(一)目前我國現行傷害保險費率釐訂方式之合理性，期能合理反映保險成本。
(二)目前我國現行傷害保險費率監理方式之妥適性，期使健全保險事業發展。
(三)目前我國現行傷害保險職業分類係數之公平性，期能確保被保險人之權益。
(四)目前我國現行傷害保險死亡、殘廢、醫療等給付關聯性，期能建構獨立客觀給付制度。
(五)目前我國現行傷害保險費率法定上限與下限之必要性，期能因應未來保險經營環境。
(六) 探討目前我國現行傷害保險費率定期檢討調整之妥適性，期能建構保險費率檢核機制。
最後並提出結論與建議事項，俾供日後保險監理機關及保險業者等相關人員之參考。

關鍵字

費率釐訂 ； 監理方式 ； 檢核機制

並列摘要

This study analyzes the experience of personal accident insurance and personal accident to the life insurance industry in Taiwan policy year experience loss ratio study statistical analysis between 2001-2008 single and combined the observed annual experience loss in five years and norms and legal supervision compare the differences and explore:

(A) Our current accident insurance premium rate-making the reasonableness of the way, the period reasonably reflect the cost of insurance.
(B) The appropriateness of the current accident regulation of premium rate, and make sound insurance career development.
(C) The fairness of our current accident insurance ISCO coefficient period to ensure that the interests of the insured.
(D) Our current accident insurance death, disability, medical payments association, the period can construct an independent and objective benefit system.
(E) Our current accident insurance premium rate legal limit and lower limit of necessity, period can benefit from the insurance operating environment in the future.
(F) To explore our current accident insurance premium rate regularly review the appropriateness of adjustment, premium rate period can construct checking mechanism.

Finally, the conclusions and recommendations and proposed insurance supervisory authorities and the insurance industry personnel to serve for future reference.

並列關鍵字

Rate-making ； Regulation ； Checking mechanism

參考文獻

15.Vaughan , E. J., Vaughan , T. M. (2003) , Fundamentals of Risk and Insurance, John Wiley& Sons , Inc., pp.554-555。

7.Dorfman , M. S. (1994) , Introduction to Risk Management and Insurance, Prentice-Hall International , Inc., pp. 59-61。

16.Wood , G. L., Lilly , C. C., Malecki , D. S., Rosenbloom , J. S. (1984) , Personal Risk Management and Insurance VolumeⅠ, American Institute for Property and Liability Underwriters , Inc., pp.124-125。

17.Munich Reinsurance Company (1987) , Moral Hazard in Personal Accident Insurance , pp.12-16。

一、 中文部分