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政大機構典藏 > 商學院 > 統計學系 > 期刊論文 > Item 140.119/130834

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/130834

Title:	Mortality Differential and Social Insurance: A Case Study in Taiwan
Authors:	余清祥 Yu, Jack C. 張智凱 Chang, Chih-Kai 陳妍彣 Chen, Yen-Wen Chen, Chian-Jing
Contributors:	統計系
Date:	2019-12
Issue Date:	2020-07-30 14:33:26 (UTC+8)
Abstract:	The mortality differential is important information for planning social insurance programs, such as health insurance and public pensions. It can be used to evaluate whether certain areas need more medical facilities and traffic infrastructure. The ignorance of mortality differentials can result in adverse selection and problems of pricing and liability. In this study, we use mortality models to estimate the mortality differentials of two social pension plans in Taiwan, National Pension Insurance (NPI) and Farmer Health Insurance (FHI), which account for more than one-third of the population of Taiwan (about 9 million). We compare the mortality profiles of the two pension groups in terms of economic status and geographic region. Empirical study leads to several policy implications, such as the feasibility of unifying the FHI and NPI systems, reallocating more premium subsidy according to mortality difference and corresponding annuity cost, and the antiselection effect in suburban areas with lower annuity costs and lower willingness to pay premiums.
Relation:	North American Actuarial Journal, pp.1-11
Data Type:	article
DOI 連結:	https://doi.org/10.1080/10920277.2019.1651660
DOI:	10.1080/10920277.2019.1651660
Appears in Collections:	[統計學系] 期刊論文

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