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    政大機構典藏 > 商學院 > 統計學系 > 期刊論文 >  Item 140.119/18095
    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/18095


    Title: 終身癌症保險費率之釐定
    Authors: 連宏銘;余清祥
    Keywords: 癌症;終身癌症險;精算費率;存活率
    Date: 2000-12
    Issue Date: 2008-12-19 14:46:42 (UTC+8)
    Abstract: 惡性腫瘤(癌症)自民國七十一年躍昇為國人十大死因之第一位,且其發生率及死亡率均逐年攀升,是國人健康的一大威脅。壽險業者為了補足全民健保在給付項目及金額的不足,陸續推出終身癌症保險以提供國人更完整的保障。然而國內終身癌症保險仍屬初期階段,缺乏完整的統計經驗資料,大部份採用國外再保險公司所提供的癌症經驗資料,並未參酌國內醫院所作的癌症統計,其保費適足性值得懷疑。有鑑於此,本研究針對定額型個人終身癌症保險,在國人癌症發生率逐年上升的假設下,探討終身癌症保險之費率適足及精算合理性。研究結果與國內數家保險公司比較,發現這幾家公司的終身癌症保險之年繳保費明顯不足,而且其年繳保費差額隨著年齡呈直線遞增。因長期保費的收入不足會導致壽險公司累積虧損,進而影響壽險公司的清償能力,此結果可提供壽險業者及監理機關參考。
    Relation: 保險專刊, 62, 76-119
    Data Type: article
    Appears in Collections:[統計學系] 期刊論文

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