27 (2S)
/
2017 / 5
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pp. 209 - 244
終身癌症保險之評價
The Valuation of Lifetime Cancer Insurance Policies
作者
黃泓智 Hong-Chih Huang
(政治大學風險管理與保險學系助理教授 Assistant Professor, Department of Risk Management and Insurance, National Chengchi University)
楊尚穎 Shang-Yin Yang
*
(東海大學財務金融學系助理教授 Assistant Professor, Department of Finance, Tunghai University)
王敏琪 Mng-Chi Wang
(南山人壽商品部專員 Specialist, Product Development, Nan Shan Life Insurance)
黃泓智 Hong-Chih Huang
政治大學風險管理與保險學系助理教授 Assistant Professor, Department of Risk Management and Insurance, National Chengchi University
楊尚穎 Shang-Yin Yang
*
東海大學財務金融學系助理教授 Assistant Professor, Department of Finance, Tunghai University
王敏琪 Mng-Chi Wang
南山人壽商品部專員 Specialist, Product Development, Nan Shan Life Insurance
中文摘要
本文利用健保資料庫估計癌症發生率、持續治療率與醫療費用，並以理論模型評估終身癌症保險的保費。研究結果發現，癌症發生率逐年增加且30 歲以下族群之增幅較大，持續治療率逐年提高，癌症醫療費用隨年紀增長而上升，使保險成本逐年提高。同時發現於1998 至2003 年間男性癌症保險成本六年增加60%，女性癌症保險成本六年上升35%。
英文摘要
To address the valuation of lifetime cancer insurance policies, this article provides an analytical solution for the fair premium. The premium increase is a result of a continuous increase in the incidence of cancer, especially in the younger generation. The continued treatment rate and the medical cost increases with age. From 1998 to 2003, the maximum difference premium cost reached nearly 60 percent for males and 35 percent for females.
中文關鍵字
癌症保險; 全民健康保險研究資料庫; 醫療成本
英文關鍵字
cancer insurance; National Health Insurance Research Database; medical cost