產險經營健康險客戶續保年份率與理賠率的研究--以A公司為例

Abstract

近年來因為高齡化社會，醫療技術進步造成全民健康保險虧損，故一般人多轉向保險公司購買健康保險。2008年通過保險法103條修正案後，產險公司可以販售商業健康保險，經過6年的時間，保險公司經營健康保險，有的賺錢，有的嚴重虧損，針對產險公司投保健康保險的客戶資料來研究分析，使用統計學的生存分析技術，清楚描繪投保產險公司的健康保險客戶中，找到高續保率而且低理賠率的族群，並將行銷資源投注在特定客戶族群，以增加產險公司的管理經營能力，並作為後續產險業對健康保險定位及評估市場潛力之參考方向。

In recent years, due to the aging society, advances in medical technology resulting in the loss of national health insurance program, many people turn to the insurance industry (both life insurance and property insurance) to purchase supplementary commercial health insurance. Property insurance companies started to launch commercial health insurance products in 2008, right after the passage of Article 138 of Insurance Law in 2007. Six years after the launching of health insurance program by the non-life insurance companies, some make money, some suffered from severe losses. “A” company, a non-life insurance company, intended to use the survival analysis of the statistical techniques, clearly depicting customers’ data of commercial health insurance to identify specific customers who have high persistency rates and low population claim rates, plan to bet marketing resources in these target customer groups, in order to increase the manageability of commercial health insurance products. Keyword: Commercial Health Insurance, Persistency Rate, Non-life Insurance Industry, Survival Analysis