A Study on Loss Assessment of Personal Injury Insurance: An Example of “X” Non-life Insurance Company in Yunlin, Chiayi and Taina

[[abstract]]隨著時代進步，科技日新月異的發展，生活的便利也為人們帶來不可預料的突發狀況，所造成的意外事故頻傳，對家庭的生活經濟也帶來重大的影響，為了將傷害降低所以有了傷害保險，保險公司為了持續獲利及永續發展，針對傷害保險投保的客戶進行篩選。本研究透過建立邏輯斯迴歸模型得知，年齡、業務來源與職業等級是個人傷害保險核保的重要評估項目，並指出加強保戶投保觀念及提高員工核保及理賠技術將有利保險公司在損失評估方面更進一步地成長，確保企業永續經營，獲利持續成長。[[abstract]]With the progress of the times and the rapid development of science and technology, the convenient lives brings unexpected emergency and causes the frequent accidents. And then family lives and economics have also significant impact on the convenience. People attempt to reduce injury by injury insurance, in the other hand, insurance companies try to sustain profitability and development by filtering the policyholders. The empirical findings demonstrate that age, business resource and staff are the major evaluation items of claims and underwriting by the establishment of logistic regression model. The results point out that the insurance companies could gain the growing capacity of loss assessment by enhancing the insurance prospective of policyholders and elevating the process refinement of claims and underwriting. By the way, the insurance companies could ensure sustainable enterprise development and capture growing profitability