A Study on the Claim Factor of Life Insurance

[[abstract]]由於近年來不斷的發生人身保險詐欺，造成整體社會的損失和傷害，付出許多額外的社會成本，對壽險公司帶來巨大的衝擊。而且現階段壽險市場受到利率走低及市場競爭激烈影響，壽險公司應強化核心專業，透過嚴謹核保積極創造死差益，以確保營業利潤，永續經營。 本研究運用人壽保險公司已發生的身故理賠資料當作研究對象，運用主成份因素分析與迴歸分析等統計工具，來探討個人型人壽保險理賠的特徵與影響的因素。研究結果發現發現保費因素、保單因素及個人因素與理賠金額有顯著的關係。[[abstract]]In recent years, life insurance fraud case is continuously happening and increasing damage and injuries which caused much additional cost to disburse. But also retraced the past few years, it is affected by the low interest rate and extraordinary competition in the Taiwan’s life insurance industry, it means that more people concerned about underwriting and claim schedule steps by steps rather than interest rate and loading rate is to guarantee life insurance companies that operate profits and develop steadily. The purpose of this study is to investigate the effects of claim factors on Insured factors, policy factors and claim factors in the amount of claim insurance. With this technique, principal component analysis of claims factors and regression analysis results of the study found that premium factors, policy factors, and insured factors have significant positive impact on the amount of clai