Adverse selection factors of group injury insurance: evidence from a Taiwanese property-liability insurance company
學年 105
學期 1
出版(發表)日期 2016-08-30
作品名稱 Adverse selection factors of group injury insurance: evidence from a Taiwanese property-liability insurance company
作品名稱(其他語言)
著者 Hsu-Hua Lee
單位
出版者
著錄名稱、卷期、頁數 International Journal of Applied Decision Sciences 9(1), pp.1-16
摘要 The aims of this study are to examine whether high-risk groups tend to choose high insured amounts and to consider the effect of underwriting policy on the reduction of adverse selection. Data for 2009 and 2010 on group injury insurance from a Taiwanese property-liability company is analysed using ordered logistic regression. In this regard, the study uses 11 independent variables to analyse the relationship between variables and adverse selection. The results indicate that eight of the variables have a significant impact on adverse selection and the effect of underwriting is 69%-97%. The findings can be used to establish a sound underwriting system and increase underwriting profits.
關鍵字 group injury insurance;adverse selection;advantage selection;ordered logistic regression;decision rules;property liability insurance;underwriting policy;quality management;risk assessment;underwriting risk;Taiwan;high-risk groups
語言 en
ISSN 1755-8077 1755-8085
期刊性質 國外
收錄於 EI
產學合作
通訊作者
審稿制度
國別 GBR
公開徵稿
出版型式 ,電子版,紙本
相關連結

機構典藏連結 ( http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/108920 )