Dissertations / Theses on the topic 'Modulation of insurance premiums'
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1
Redon, Margaux. "L'assurance santé privée à l'épreuve des objets connectés." Electronic Thesis or Diss., Rennes 1, 2021. http://www.theses.fr/2021REN1G017.
Abstract:
Le développement des objets connectés en santé/bien-être présente un potentiel de bouleversement de l’assurance santé privée, à l’instar d’autres secteurs de l’économie impactés par la numérisation. En effet, les objets connectés offrent techniquement diverses opportunités aux assureurs en santé : individualiser les risques, les segmenter plus finement, profiler pour passer à une logique prédictive, voire moduler les primes en fonction des décaissements anticipés par des informations reflétant le comportement, voire la santé de leurs utilisateurs. Ce potentiel technique ne peut toutefois pas être exploité pour changer le « logiciel » de l’activité d’assurance, en raison de la réglementation française, d’où un quasi-blocage du déploiement des objets connectés dans l’activité d’assurance santé privée sur un marché trop contraint pour intéresser les GAFA.Dès lors, les assurances privées en santé ont cherché à en valoriser l’utilisation dans leur relation avec l’assuré. Aux États-Unis, s’inscrivant dans le mouvement de santéisation, la responsabilisation des assurés a pu conduire à des prescriptions comportementales contrôlées par des objets connectés de santé/bien-être à la fiabilité et sécurité encore imparfaites. En France, cette logique de quantified self, pouvant aller jusqu’à l’observance de prescriptions comme condition de prise en charge, critiquable au regard des déterminants de santé et des inégalités sociales en santé, n’est que très peu explorée par les assureurs en raison d’un environnement juridique différent de celui des États-Unis dont l’un des objectifs est de protéger les personnes contre toute forme de discrimination à raison de leur état de santéThe development of connected objects in the health/wellness sector has the potential to revolutionize private health insurance, just like other sectors of the economy that have been impacted by digitalization. Indeed, connected objects technically offer various opportunities to health insurers: individualizing risks, segmenting them more acutely, profiling, resulting in a predictive logic, and even modulating premiums based on anticipated disbursements relying on information reflecting the behavior or even the health of their users. However, this technical potential cannot be exploited to change the "software" of the insurance business, due to French regulations. Thus, the deployment of connected objects in the private health insurance business is impeded in a market that is too constrained to appeal Gafa.Therefore, private health insurers have sought to enhance the use of connected objects in their relationship with policyholders. In the United States, as part of the so-called “healthism” movement, the accountability of policyholders has led to behavioral prescriptions controlled by connected health/wellness objects whose reliability and security are still imperfect. In France, this logic of quantified self, which can lead to compliance with prescriptions as a condition of coverage, is open to criticism with regard to health determinants and social inequalities in health. It is only very rarely explored by insurers because of a different legal environment from that of the United States, where one of the objectives is to protect individuals against any form of discrimination on the basis of their health status
2
Dorbor, Sylvia Saygbay Diamond. "Attribution-based parametric insurance: towards affordable premiums." Master's thesis, Faculty of Science, 2021. http://hdl.handle.net/11427/32627.
Abstract:
To deal with the adverse impacts of climate change, index-based or parametric insurance has been recognized as an adaptation technique to compensate farmers for economic losses from extreme weather events. The insurance can be either private or sovereign. African Risk Capacity Insurance (ARC Ltd) offers the latter to African countries against drought events through contingency planning, risk pooling and transfer facilities. While the ARC insurance initiative seems promising, the current approaches used to estimate risk and determine premiums do not consider the change in risk from anthropogenic climate change. As the frequency of extreme weather events changes, the price of insurance premiums is likely to rise. Representing a cutting-edge science from weather to impact attribution, this study links attribution modelling with parametric insurance modelling to quantify how the probability of drought events has changed due to human influence on the climate system and translates the impacts into actual costs. To quantify this change, global climate models consisting of both factual and counterfactual world (with and without human forcing of climate, respectively) experiments were post-processed and used as rainfall inputs into an insurance risk modelling software, Africa RiskView. Estimated response costs needed for drought assistance in a world with and without climate change were calculated in Malawi, Zimbabwe, Senegal and Mauritania for the last 30 years. The empirical cumulative distribution function plots show that the distributions of models that represent the counterfactual natural world estimate lesser drought-affected population and lower response costs for assistance than those of the factual world distributions. The results suggest that climate change is likely to increase the price of insurance premiums. Therefore, there is a need for blended financing models that integrate international climate funds generated on a responsibility-based approach to cater for the added cost brought in by climate change.
3
Zimbidis, Alexandros A. "Control theory and insurance systems." Thesis, City University London, 1999. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.287673.
4
Posner, George. "Do Seat Belt Laws Drive Up Insurance Premiums?" Scholarship @ Claremont, 2012. http://scholarship.claremont.edu/cmc_theses/423.
Abstract:
If you have to wear a seat belt when you drive, are you safer? Intuitively, it may seem that the answer is yes. After all, if you are wearing a seat belt and get in an accident, you are half as likely to die, and 62% of fatal accident victims were not wearing seat belts at the time of accident. The Centers for Disease Control and Prevention, the National Highway and Transportation Safety Administration, the Governors' Highway Safety Administration, and many other organizations highly recommend wearing seat belts. The NHTSA claims that in 2010 alone, approximately 12,500 deaths were prevented by seat belt use alone. Seat belt laws clearly reduce the chance of death to vehicle occupants in a given auto accident.
In response to these findings, the federal government has made the release of highway funds to states contingent on the passage of state laws mandating seat belt adoption. Laws mandating seat belt use, along with extensive campaigns to raise public awareness, have caused seat belt use to rise from 69% in 1998 to 88% in 2009. As of this writing, laws mandating the use of seat belts when driving have been passed in every state save New Hampshire. Intuitively, this should make roads safer because seat belts make an accident more survivable.
Does wearing a seat belt, however, make that accident more likely to occur in the first place? If a driver wears a seat belt now and I didn't before, does he feel safe enough to take more risk? In this paper, I examine this question using insurance premiums as a proxy for the likelihood of an accident. The rest of the paper is organized as follows. Section 2 offers background information, including a framework with which to interpret a driver’s actions and a review of the relevant literature. Section 3 contains details on the data analyzed. Section 4 covers the results of my preliminary data analysis, model specifications, and robustness checks. Section 5 concludes.
5
Spadafora, Stacy E. "Marine Insurance Liability: An Analysis of Mutuality vs. Fixed Premiums." Thesis, Virginia Tech, 2002. http://hdl.handle.net/10919/35263.
Abstract:
This paper deals with the pricing differences between a mutual co-operative underwriting system and a fixed-premium underwriting system in providing coverage for marine liability. There has been much debate in recent years within the marine liability underwriting industry over which method fosters more competition, and hence, lower premiums for shipowners who are required to carry such coverage in order to operate. This paper will look at the current mutual marine insurance industry (Protection & Indemnity Associations or P&I Clubs) to compare its pricing both before and after the entry into the market of the fixed-premium underwriters, using data from 1985-2000 that encompasses both a major loss cycle and normal cyclical pricing variations. This analysis will hopefully provide information on whether mutual premium levels for the P&I Clubs differed substantially with the entry of the fixed-price competitors. This is important for the individual shipowners belonging to these mutual underwriting associations, because any variation in premium pricing could mean the potential for either great savings or tremendous losses.Master of Arts
6
Salinas, Patricia Carrión. "Calculation of gratuity and kidnap for ransom insurance premiums." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/20088.
Abstract:
Mestrado em Actuarial ScienceEste relatório é o resultado de um estágio de seis meses realizado em March R.S. como parte do mestrado em ciências atuariais. O trabalho realizado durante o estágio ajudou a colocar em prática os conceitos atuariais estudados durante os primeiros anos e meio do mestrado. O relatório se concentra no benefício de gratificação e no seguro de seqüestro para resgate, onde o objetivo de cada parte é calcular os prêmios usando valores aleatórios. Este relatório consiste em três capítulos, e cada um deles começa apresentando a cobertura da apólice e, em seguida, detalhando cada produto. No terceiro capítulo, é feita uma extensa pesquisa de mercado sobre o Kidnap for Ransom Insurance, onde é levantada a questão de como as seguradoras avaliam esse tipo de seguro e, em seguida, usando métodos atuariais, são fornecidas algumas respostas. Para esse tipo de seguro, um determinado portfólio é levado em consideração e, usando a base de razão de perda, os métodos MLE e GLM para calcular o valor esperado das gravidades e o número de sinistros, o prêmio é calculado. Por outro lado, o prêmio de gratificação é calculado usando a fórmula pura de doação. Uma vez encontrado o prêmio para um determinado portfólio, ele é comparado com as diferentes cotações fornecidas por algumas companhias de seguros que citaram esse seguro usando o mesmo conjunto de dados usado para este relatório.
This report is a result of a six months internship held at March R.S. as a part of the Master's in Actuarial Science. The work done during the internship helped put into practice the actuarial concepts studied during the first one and a half years of the Master's. The report focuses on Gratuity Benefit and Kidnap for Ransom insurance, where the objective for each part is to calculate the premiums using random values. This report consists of three chapters, and each of them begins by introducing the policy coverage and then getting into more details for each product. In the third chapter, and extended market research on Kidnap for Ransom Insurance is done, where the question of how the insurers price this kind of insurance is raised and then using actuarial methods some answers are given. For this kind of insurance, a given portfolio is taken into account, and by using the loss ratio basis, MLE and GLM methods to calculate the expected value of severities and the number of claims, the premium is calculated. On the other hand, the Gratuity premium is calculated using the pure endowment formula. Once the premium for the given portfolio is found, it is compared with the different quotations given by some insurance companies that quoted this insurance using the same data set that was used for this report.
info:eu-repo/semantics/publishedVersion
7
Geiger, Andrea Lynn. "Private vs. public flood insurance rates is there a national flood insurance subsidy? /." Access to citation, abstract and download form provided by ProQuest Information and Learning Company; downloadable PDF file 1.97 Mb., ? p, 2006. http://gateway.proquest.com/openurl?url_ver=Z39.88-2004&res_dat=xri:pqdiss&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&rft_dat=xri:pqdiss:1435926.
8
Nikolova, Silviya Mroz Thomas A. "Health insurance transitions of SCHIP-eligible children in response to higher public premiums." Chapel Hill, N.C. : University of North Carolina at Chapel Hill, 2010. http://dc.lib.unc.edu/u?/etd,2957.
Abstract:
Thesis (Ph. D.)--University of North Carolina at Chapel Hill, 2010.Title from electronic title page (viewed Jun. 23, 2010). "... in partial fulfillment of the requirements for the degree of Doctor of Philosophy in the Department of Economics." Discipline: Economics; Department/School: Economics.
9
McGinley, Susan. "Analyzing Crop Insurance Rates: Research Offers New Ways to Set Premiums for Farmers." College of Agriculture and Life Sciences, University of Arizona (Tucson, AZ), 2002. http://hdl.handle.net/10150/622241.
10
Balau, Eunice Alexandra Madeira. "Premiums and reserves in life insurance policies : the worst-case scenario and Solvency II." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/7832.
Abstract:
Mestrado em Ciências ActuariaisAs reservas de capital representam um instrumento fundamental no processo de gestão de risco das empresas de seguros, sendo utilizadas no cálculo do capital económico e regulamentar. Como o valor das reservas e dos prémios é fortemente influenciado pelos pressupostos atuariais utilizados, a escolha adequada das bases técnicas é um dos temas de principal interesse para as Companhias de Seguros e para as Entidades Reguladoras. O principal objetivo deste trabalho é o estudo de um método de construção de cenários biométricos para o cálculo de reservas e prémios, adotando uma posição conservadora em relação às bases técnicas de segunda ordem, seguindo a orientação de dois trabalhos fundamentais neste domínio, Christiansen (2010) e Milbrodt and Stracke (1997). Este cenário é determinado através da resolução de um problema de maximização da reserva prospetiva que nos permite definir as bases biométricas de primeira ordem que representam o pior caso do ponto de vista do Segurador. As apólices do ramo vida são descritas pelo modelo Markoviano de estados múltiplos, sendo as reservas prospetivas calculadas recorrendo à equação de Thiele. O novo regime de solvência da União Europeia, Solvência II, também recorre à noção de piores cenários, por forma a quantificar os requisitos de capitais no ramo vida, embora com uma definição diferente. Assim, um objetivo adicional, e também importante, deste trabalho é procurar integrar o método estudado no enquadramento estabelecido pelo projeto Solvência II.
Reserves are a fundamental tool in insurance risk management since they are used to determine the economic or regulatory capital required for insurers to remain solvent. As the values of reserves and premiums are strongly dependent on the actuarial assumptions used, the choice of the adequate elements of the technical basis is a major concern of both regulators and insurance companies. The main purpose of this work is to study a method for the construction of biometric worst-case scenarios that allow premiums and reserves to be on the safe side with respect to given confidence bands for the biometric second-order basis, following the essential works of Christiansen (2010) and Milbrodt and Stracke (1997). This scenario is obtained by solving a maximization problem for the prospective reserve that allows one to find the worst-case biometric valuation basis from the insurer's point of view. In life insurance, policies are often described by the multi-state Markov model of life contingencies and the prospective reserves computed using Thiele's equation. The new solvency regime of the European Union, Solvency II, also uses worst-case scenarios, although constructed in a different way, in order to quantify the solvency capital requirements for life insurance business. Thus, a further important purpose of this thesis is to integrate the method in study under the Solvency II framework.
11
Ferraz, Cordeiro Isabel Maria. "A stochastic model for the analysis of permanent health insurance claims by cause of disability." Thesis, Heriot-Watt University, 1998. http://hdl.handle.net/10399/1207.
12
Zhao, Wei. "Defining farm-safety research priorities and adjusting farm insurance premiums by a risk analysis approach." Diss., Virginia Tech, 1992. http://hdl.handle.net/10919/38620.
13
Horbachova, Oksana, and Iryna Shubina. "Features of the functioning of the insurance market of Ukraine." Thesis, National Aviation University, 2021. https://er.nau.edu.ua/handle/NAU/54621.
Abstract:
1. Zakonodavche rehulyuvannya strakhovoyi diyalʹnosti. URL:
https://buklib.net/books/24296/ (Accessed November 26, 2021).
2. Zolotarova O. V. Klyuchovi tendentsiyi ta priorytety rozvytku rynku
strakhovykh posluh v Ukrayini. Ekonomika i derzhava. 2017. № 11. S. 413–420.
3. Statistics of the insurance market of Ukraine. Access mode URL:
https://forinsurer.com/stat (Accessed November 27, 2021).The article considers the dynamics of development of insurance companies in Ukraine in 2015-2019. The requirements to insurance companies, which are set at the legislative level, are given. An analysis of the main indicators of the insurance market of Ukraine for 2015-2019 was also conducted.
14
Перепелиця, О. О. "Формування ринку страхування життя та напрями його розвитку в Україні." Master's thesis, Сумський державний університет, 2019. http://essuir.sumdu.edu.ua/handle/123456789/75869.
Abstract:
Актуальність теми кваліфікаційної роботи. Добре розвинений страховий ринок забезпечує соціально-економічний розвиток держави, злагоджене функціонування суб’єктів господарювання, покращує добробут населення. Проте вітчизняний ринок страхування перебуває на етапі становлення, та його розвиток супроводжується проблемами економічного, соціального, державного та політичного характеру. Ринок страхування життя є запорукою соціального захисту населення та покращенням його матеріального становища, тому виникає необхідність у дослідженні тенденцій розвитку ринку страхування життя в Україні.Актуальность темы квалификационной работы. Хорошо развитый страховой рынок обеспечивает социально-экономическое развитие государства, слаженное функционирование субъектов хозяйствования, улучшает благосостояние населения. Однако отечественный рынок страхования находится на этапе становления, и его развитие сопровождается проблемами экономического, социального, государственного и политического характера. Рынок страхования жизни является залогом социальной защиты населения и улучшением его материального положения, поэтому возникает необходимость в исследовании тенденций развития рынка страхования жизни в Украине.
The relevance of the topic of qualification work. A well-developed insurance market ensures the socio-economic development of the state, the smooth functioning of economic entities, improves the well-being of the population. However, the domestic insurance market is in its infancy, and its development is accompanied by problems of economic, social, state and political nature. The life insurance market is a pledge of social protection of the population and improvement of its financial position, therefore it is necessary to study the trends of life insurance market development in Ukraine
15
Málková, Nikola. "Redistribuce v oblasti daní a pojistného." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-17023.
Abstract:
This essay is focused on redistribution of wealth in Czech republic. The essay explained the role of public finance, state budget, tax system, social security and public health insurance. The goal is to analyze revenues and expenses of employees and self-employed.
16
Fackler, Michael [Verfasser], Dietmar [Akademischer Betreuer] Pfeifer, and Peter [Akademischer Betreuer] Ruckdeschel. "Experience rating of (re)insurance premiums under uncertainty about past inflation / Michael Fackler ; Dietmar Pfeifer, Peter Ruckdeschel." Oldenburg : BIS der Universität Oldenburg, 2017. http://d-nb.info/1139448919/34.
17
Григоренко, Г. А. "Розвиток страхового ринку в умовах макроекономічної нестабільності." Thesis, Чернігів, 2020. http://ir.stu.cn.ua/123456789/20145.
Abstract:
Григоренко, Г. А. Розвиток страхового ринку в умовах макроекономічної нестабільності: магістерська робота : 072 Фінанси, банківська справа та страхування / Г. А. Григоренко ; керівник роботи Кальченко О. М. ; Національний університет «Чернігівська політехніка», кафедра фінансів, банківської справи та страхування. – Чернігів, 2020. – 83 с.Предмет дослідження – сукупність відносин, які формуються в процесі функціонування страхового ринку України в умовах макроекономічної нестабільності. Об’єкт дослідження – процес функціонування та розвитку страхового ринку України. Метою випускної кваліфікаційної роботи є розробка теоретичних основ функціонування страхового ринку та виявлення проблем його розвитку в умовах макроекономічної нестабільності. Для досягнення поставленої мети необхідно вирішити наступні завдання: визначити сутність страхового ринку як складової фінансового ринку та особливості його функціонування; зробити аналіз і оцінку сучасного стану страхового ринку, динаміки його основних показників; визначити основні проблеми розвитку страхового ринку в умовах макроекономічної нестабільності; визначити напрями розвитку та вдосконалення страхового ринку; зробити прогноз діяльності страхового ринку. За результатами дослідження сформульовані пропозиції з удосконалення страхового ринку та здійснено прогнозування розвитку системи страхового захисту в Україні. Одержані результати можуть бути використані для покращення системи страхового захисту в Україні.
The subject of research - a set of relations that are formed in the process of functioning of the insurance market of Ukraine in conditions of macroeconomic instability. The object of study - the process of functioning and development of the insurance market of Ukraine. The purpose of the final qualifying work is to develop the theoretical foundations of the insurance market and identify problems of its development in conditions of macroeconomic instability. To achieve this goal it is necessary to solve the following tasks: to determine the essence of the insurance market as a component of the financial market and the peculiarities of its operation; to make the analysis and an estimation of a modern condition of the insurance market, dynamics of its basic indicators; to identify the main problems of insurance market development in conditions of macroeconomic instability; to determine the directions of development and improvement of the insurance market; to make a forecast of the insurance market. According to the results of the research, proposals for improving the insurance market were formulated and forecasting of the development of the insurance protection system in Ukraine was carried out. The obtained results can be used to improve the insurance protection system in Ukraine.
18
Козьменко, О. В. "Основные тенденции в деятельности страховых компаний." Thesis, Українська академія банківської справи Національного банку України, 2008. http://essuir.sumdu.edu.ua/handle/123456789/61966.
Abstract:
В последнее время высокими темпами развиваются страховой рынок и
рынок услуг небанковских финансовых учреждений.
Из организаций, представленных на рынке финансовых услуг,
страховые услуги имеют право предоставлять страховые компании, а также
страховые брокеры и агенты.
19
Патай, Р. Р. "Розвиток ринку медичного страхування в Україні." Thesis, Чернігів, 2020. http://ir.stu.cn.ua/123456789/22164.
Abstract:
Патай, Р. Р. Розвиток медичного страхування в Україні : магістерська робота : 072 Фінанси, банківська справа та страхування / Р. Р. Патай ; керівник роботи Пінчук А. О. ; Національний університет «Чернігівська політехніка», кафедра фінансів, банківської справи та страхування. – Чернігів, 2020. – 77 с.Об'єктом дослідження є процес функціонування системи медичного страхування в Україні. Предмет дослідження становлять фінансові аспекти функціонування системи медичного страхування. Метою дослідження є вивчення теоретичних і практичних аспектів функціонування системи медичного страхування в Україні і перспектив її розвитку. Завданнями роботи є: визначити сутність і характеристику медичного страхування; розглянути види медичного страхування; розкрити медичне страхування в зарубіжних країнах; дослідити розвиток медичного страхування в Україні; визначити сучасний стан медичного страхування в Україні; визначити проблеми та перспективи розвитку медичного страхування в України; визначити шляхи активізації діяльності страхових компаній на ринку медичного страхування. За результатами дослідження сформульовані висновки щодо стану медичного страхування та перспективи його розвитку. Одержані результати можуть бути використані у роботі студентами, які навчаються на економічних факультетах, аспірантам і викладачам, а також практичним працівникам: фінансистам, менеджерам, аналітичним працівникам.
The object of research is the process of functioning of the health insurance system in Ukraine. The subject of the study are the financial aspects of the functioning of the health insurance system. The purpose of the study is to study the theoretical and practical aspects of the functioning of the health insurance system in Ukraine and the prospects for its development. The objectives of the work are: to determine the nature and characteristics of health insurance; consider types of health insurance; to open health insurance in foreign countries; to study the development of health insurance in Ukraine; to determine the current state of health insurance in Ukraine; identify problems and prospects for the development of health insurance in Ukraine; identify ways to intensify the activities of insurance companies in the health insurance market. Based on the results of the study, conclusions are formulated on the state of health insurance and prospects for its development. The obtained results can be used in the work of students studying at the faculties of economics, graduate students and teachers, as well as practitioners: financiers, managers, analysts.
20
Vágner, Marek. "Analýza vývoje pojištěnosti ve středoevropských zemích." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-72014.
Abstract:
This thesis deals with analysis of developments in insurance penetration in Central European countries. Initially is devoted to the comparison of world and European insurance market by insurance penetration indicators. The following section is related to the development of insurance penetration in selected Central and Eastern European countries. The thesis is then finished by an analysis of insurance markets of the Visegrad Four.
21
Сапон, О. М. "Сучасні тенденції розвитку транспортного страхування." Thesis, Чернігів, 2021. http://ir.stu.cn.ua/123456789/25032.
Abstract:
Сапон, О. М. Сучасні тенденції розвитку транспортного страхування : випускна кваліфікаційна робота : 072 "Фінанси, банківська справа та страхування" / О. М. Сапон ; керівник роботи О. І. Панченко ; НУ "Чернігівська політехніка", кафедра фінансів, банківської справи та страхування. – Чернігів, 2021. – 91 с.Предмет дослідження – сукупність факторів, за допомогою яких функціонує галузь транспортного страхування в сучасних умовах, та можливості щодо подальшого розвитку. Об’єкт дослідження – тенденції розвитку транспортного страхування. Метою кваліфікаційної роботи є розробка теоретичних основ функціонування транспортного страхування та виявлення проблем на сучасному етапі розвитку. Завданнями роботи є: визначення загальних теоретичних відомостей транспортного страхування; розгляд транспортного страхування по видам діяльності та чинників, які впливають на розвиток; аналізування статистичних відомостей за попередні звітні періоди, зокрема розгляд динаміки показників; дослідження загальних тенденцій за окремими видами транспортного страхування та наявних особливостей, переваг та недоліків; визначення напрямків щодо покращення та вдосконалення транспортного страхування; виконати прогнозування результатів діяльності на наступний період. За результатами дослідження сформульовані пропозиції з удосконалення транспортного страхування та здійснено прогнозування розвитку транспортного страхування в Україні. Одержані результати можуть бути використані для загального покращення транспортного страхування в Україні.
The subject of research - a set of factors through which the transport insurance industry operates in modern conditions, and opportunities for further development. The object of research - trends in the development of transport insurance. The purpose of the qualification work is to develop the theoretical foundations of the operation of transport insurance and identify problems at the present stage of development. The objectives of the work are: to determine the general theoretical information of transport insurance; consideration of transport insurance by type of activity and factors influencing development; analysis of statistical data for previous reporting periods, in particular consideration of the dynamics of indicators; study of general trends in certain types of transport insurance and the existing features, advantages and disadvantages; determination of directions on improvement and improvement of transport insurance; perform forecasting of performance for the next period. Based on the results of the study, proposals for improving transport insurance were formulated and forecasting for the development of transport insurance in Ukraine was made. The obtained results can be used for the general improvement of transport insurance in Ukraine.
22
Рева, В. С. "Сучасний стан та перспективи розвитку автотранспортного страхування в Україні." Master's thesis, Сумський державний університет, 2019. http://essuir.sumdu.edu.ua/handle/123456789/75942.
Abstract:
Важливим елементом соціально-економічного розвитку країни є її добре розвинений страховий ринок. Багато чинників впливають на становлення ринку страхування, а проблеми економічного, соціального, державного та політичного характеру сповільнюють темп розвитку цього сегменту. Більшість країн відчувають вплив дорожньо-транспортних пригод на економіку, а втрати національного доходу від ДТП потребують відповідних запобіжних механізмів. Розвинуті країни світу розглядають автомобільне страхування як важливий інструмент підвищення безпеки дорожнього руху. Участь страховиків у розв’язанні цієї проблеми приносить відчутний соціально-економічний ефект.Важным элементом социально-экономического развития страны является ее хорошо развитый страховой рынок. Многие факторы влияют на становление рынка страхования, а проблемы экономического, социального, государственного и политического характера замедляют темп развития этого сегмента. Большинство стран испытывают влияние дорожно-транспортных происшествий на экономику, а потери национального дохода от ДТП требуют соответствующих мер механизмов. Развитые страны мира рассматривают автомобильное страхование как важный инструмент повышения безопасности дорожного движения. Участие страховщиков в решении этой проблемы приносит ощутимый социально-экономический эффект.
An important element of the socio-economic development of a country is its well-developed insurance market. Many factors influence the formation of the market insurance, and problems of economic, social, state and political nature slow the pace of development of this segment. Most countries are experiencing the impact of road accidents on the economy, and the loss of national accident revenue requires appropriate safeguards. Developed countries consider car insurance as an important tool for improving road safety. Insurers' involvement in solving this problem has a significant socio-economic impact.
23
Péron, Mathilde. "Three essays on Supplementary Health Insurance." Thesis, Paris Sciences et Lettres (ComUE), 2017. http://www.theses.fr/2017PSLED015/document.
Abstract:
Cette thèse est consacrée aux systèmes d'assurance maladie mixtes où la couverture publique obligatoire peut être améliorée par une complémentaire santé. Les questions abordées portent sur l'effet inflationniste de la complémentaire sur le prix des soins et sur l'impact de la tarification à l'âge sur les solidarités entre malades et bien portants et entre catégories de revenu. Les analyses empiriques sont réalisées sur données françaises. Cette base de données originale regroupe les consommations de soins de 99,878 affiliés à la MGEN sur la période 2010-2012. Le chapitre 1 estime l'effet causal d'une meilleure couverture sur la consommation de dépassements d'honoraires et démontre l'effet inflationniste de la complémentaire sur le prix des soins. Le chapitre 2 considère l’hétérogénéité de l'impact d'une meilleure couverture sur les dépassements et sa corrélation avec la demande d'assurance. De fait, l’effet inflationniste de la complémentaire est accentué par des effets de sélection. Le chapitre 3 montre que la tarification à l'âge permet de maximiser les transferts entre malades et bien portants au détriment de la solidarité entre hauts et bas revenusThis thesis deals with two questions relative to efficiency and fairness in mixed health insurance systems with partial mandatory coverage and voluntary supplementary health insurance (SHI): (i) the inflationary effect of SHI on medical prices; (ii) the fairness of SHI premiums. We set the analysis in the French context and perform empirical analyses on original individual-level data, collected from the administrative claims of a French insurer (MGEN). The sample is made of 99,878 individuals observed from 2010 to 2012. In Chapter 1, we estimate the causal impact of a generous SHI on patients' decisions to consult physicians who balance bill their patients. We find evidence that better coverage contributes to the rise in medical prices. In Chapter 2, we specify individual heterogeneity in moral hazard and consider its possible correlation with coverage choices. We find evidence of selection on moral hazard: individuals who are more likely to ask for coverage exhibit stronger moral hazard. In Chapter 3, results show that when SHI is voluntary, age-based premiums maximize transfers between low and high healthcare users but do not guarantee vertical equity
24
Ганус, І. С. "Аналіз сучасного стану та тенденції розвитку ринку автострахування в Україні." Thesis, Сумський державний університет, 2017. http://essuir.sumdu.edu.ua/handle/123456789/64260.
Abstract:
Страховий ринок – це сегмент фінансового ринку, де об'єктом купівлі-
продажу виступають страхові послуги й де, відповідно, формується попит і
пропозиція на них. Страховий ринок вже багато років є найбільш
капіталізованим у площині загальної сукупності небанківських фінансових
ринків України. Загальна кількість страхових компаній станом на 30.09.2016
становила 323, порівнюючи з таким самим періодом 2015р. загальна кількість
зменшилась на 45 СК. [1] Не зважаючи на загальне скорочення кількості СК
частка валових та чистих страхових премій має тенденцію до збільшення.
Валові страхові премії, які отримали страховики при страхуванні та
перестрахуванні ризиків за 9 місяців 2016 р. склали 24844,2 млн. грн., за 9
місяців 2015 р. ця сума становила 21718,7 млн. грн., тобто за рік валові премії
збільшились на 14,4%. Чисті страхові премії за рік збільшились на 17% та
складають 19588,3 млн. грн.
25
Кобушко, Ігор Миколайович, Игорь Николаевич Кобушко, Ihor Mykolaiovych Kobushko, and І. В. Ігнатчик. "Проблеми та перспективи розвитку медичного страхування в Україні." Thesis, Сумський державний університет, 2017. http://essuir.sumdu.edu.ua/handle/123456789/64997.
Abstract:
На сьогодні Україна активно готується до впровадження системи медичного страхування. Найбільш ефективними системами медичного страхування вважаються ті, що засновані на державно-приватному партнерстві, за яким відбувається поєднання приватних коштів з державною підтримкою у різних формах задля забезпечення широкого доступу до медичного страхування.
Україна повинна розробити та впровадити свою власну модель медичного страхування на основі зарубіжного досвіду та з врахуванням тенденцій та особливостей соціально-економічного розвитку нашої країни.
26
Boskovic, Anja. "Development of life insurance market in Montenegro and its impact on the montenegrin economy." Master's thesis, Instituto Superior de Economia e Gestão, 2013. http://hdl.handle.net/10400.5/6256.
Abstract:
Mestrado em Ciências ActuariaisDuring the last decade Montenegrin economy in general and the insurance segment in particular have recorded uneven economic growth. Due to insufficient economic development and both inadequate awareness and the distrust of citizens, compulsory insurances account for the largest part in the total portfolio of the insurance market in the country. Insurance industry of Montenegro was not intensely exposed to the financial crisis in the period from 2008 to 2011, due to its relative underdevelopment. Proof existing that economic growth and development of insurance activity are interlinked realities, the existence of a solid insurance industry with significant size would be an indicator of stability. Insurance industry and specifically the segment of life insurance, with the rising in standards of living becomes an important sector for both policyholders and insurance companies, as well as for regulators. Liberalization and privatization of the insurance business, along with an economic policy which was designed on regulations based on EU principles, and adapted to the current economic environment, have increased the economic importance of the insurance market. Since Montenegro is a country in transition it is important to learn from the experiences of other countries, in order to achieve some guidance for the development of its own economic policy and regulation. That is why this work will attempt to determine a relationship between the economic growth and the development of life insurance industry. To define this relationship several views will be provided, including a multiple regression model, based on data from well standing European countries. Finally, some strategies in order to improve the development of life insurance market and the economy will be proposed.
Ao longo da última década, Montenegro tem registado um crescimento económico irregular. Sendo um país ainda pouco desenvolvido, e estando os montenegrinos insuficientemente despertos, e talvez pouco confiantes, relativamente ao setor segurador, os seguros obrigatórios constituem o grosso das carteiras das companhias. A indústria seguradora no Montenegro não sentiu os efeitos da crise financeira internacional iniciada em 2008, possivelmente devido ao seu estado de relativo subdesenvolvimento. Havendo o reconhecimento de que o crescimento económico e o desenvolvimento da atividade seguradora são realidades interligadas, a existência de um setor segurador sólido com dimensão significativa é normalmente um indicador de estabilidade. Ainda não se atingiu esse estádio no país, que só se tornou um estado independente em 2006. À medida que o nível de vida dos cidadãos melhora, a indústria seguradora, em particular o Ramo Vida, assume um papel crescente, tanto para as pessoas seguras e beneficiários, como para as seguradoras e as próprias entidades supervisoras. A liberalização e privatização do setor, acompanhadas de uma política económica inspirada na adaptação do normativo emanado da União Europeia às circunstâncias particulares do país, têm contribuído para o aumento do peso do mercado segurador no Montenegro. Uma vez que este está numa fase de transição, é importante aprender com as experiências de outros países, que ajudem a escolher a melhor via a seguir em termos de política económica e de regulamentação. Tal preocupação justifica que se procure neste trabalho determinar um modelo formal que relacione crescimento económico com crescimento do Ramo Vida, para o que se vai recorrer a vários tipos de análise, com destaque para o uso de regressões. As estatísticas nacionais serão confrontadas com as de um país da União que se crê fornecer um bom modelo de desenvolvimento, a Áustria. O trabalho termina com algumas sugestões no sentido de favorecer o progresso do Ramo Vida no Montenegro.
27
Coffina, Matthew. "Premium risk and healthcare policy." Oberlin College Honors Theses / OhioLINK, 2007. http://rave.ohiolink.edu/etdc/view?acc_num=oberlin1354819796.
28
Денкова, М. П. "Управління страховим портфелем страхової компанії." Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Denkova.pdf.
Abstract:
Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ роботі розглядаються теоретичні аспекти економічної категорії «страховий портфель», а також методи оцінки ефективності управління страховим портфелем страхової компанії. Проаналізовано фінансово-економічна діяльність ТДВ «Альянс Україна». Проведений аналіз страхового портфеля та оцінена його структура щодо забезпечення прибутковості діяльності ТДВ «Альянс Україна». Запропоновано шляхи удосконалення системи управління страховим портфелем ТДВ «Альянс Україна». The paper considers the theoretical aspects of the economic category "insurance portfolio", as well as methods for assessing the effectiveness of management of the insurance portfolio of the insurance company. The financial and economic activity of TDV "Alliance Ukraine" is analyzed. An analysis of the insurance portfolio and its structure to ensure the profitability of TDV "Alliance Ukraine". Ways to improve the management portfolio of the insurance portfolio of TDV "Alliance Ukraine" are proposed.
29
Vodrážka, Martin. "Analýza pojištění odpovědnosti za škody podnikatelů na českém pojistném trhu." Master's thesis, Vysoká škola ekonomická v Praze, 2017. http://www.nusl.cz/ntk/nusl-360549.
Abstract:
This Master's thesis deals with analysis of the Czech business liability insurance market, while using a predefined client for preparation of insurance proposals. It then performs an analysis of fulfilling the requirements through control of insurance terms and conditions. Furthermore, the thesis compares the information required by individual insurance companies for the insurance calculations and examines the factors on which the client decides among the proposed insurances. In the course of the thesis is mapped the work of insurance broker, whose activity corresponds to the individual tasks performed by the thesis.
30
Sklenářová, Markéta. "Jednotné sazby pojistného životního pojištění pro muže a ženy." Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-198838.
Abstract:
The task of the thesis is to determine the effects of legislative changes in the area of life insurance in force since 21 December 2012. Legislative change concerns approach to calculating premiums for life insurance. According to the new provisions of the previous procedure considered sexually discriminatory and gender effect had to be removed. The thesis is focused on examining the impact of the new approach to actuarial calculations. First introduces the reader to the general features of life insurance premium calculation for the derivation of individual life insurance products and determining the amount of the reserve. The practical examples show how to change premiums and reserves for men and women at different ages. Regression analysis is then examined whether the age of the insured may have an impact on the amount of the reserve. This thesis presents the possible consequences in access regardless of sex as insurance premiums, and especially on the reserve, which is the main component of capital insurance.
31
Мирошниченко, М. В. "Розвиток страхового ринку в Україні." Thesis, Чернігів, 2021. http://ir.stu.cn.ua/123456789/25030.
Abstract:
Мирошниченко, М. В. Розвиток страхового ринку в Україні : випускна кваліфікаційна робота : 072 "Фінанси, банківська справа та страхування" / М. В. Мирошниченко ; керівник роботи О. В. Шишкіна ; НУ "Чернігівська політехніка", кафедра фінансів, банківської справи та страхування. – Чернігів, 2021. – 83 с.Предметом дослідження ВКР є теоретичні та прикладні аспекти розвитку страхового ринку України, його основні проблеми та можливості зростання з урахуванням досягнень світового страхового ринку. Об‘єктом дослідження виступає страховий ринок України. Мета кваліфікаційної роботи полягає в дослідженні сучасного стану страхового ринку України для визначення шляхів подолання основних проблем його розвитку Завданнями роботи є узагальнення теоретичних основ функціонування і розвитку страхового ринку України; проведення оцінки сучасного стану страхового ринку України; окреслення проблем сучасного страхового ринку України та розробка рекомендацій щодо його ефективного функціонування та їх обгрунтування. За результатами дослідження сформульовані практичні рекомендації щодо ефективного розвитку страхового ринку України. Одержані результати можуть слугувати підґрунтям для покращення показників діяльності на об’єкті дослідження.
The subject of the WRC study is the theoretical and applied aspects of the development of the insurance market of Ukraine, its main problems and opportunities for growth, taking into account the achievements of the global insurance market. The object of study is the insurance market of Ukraine. The purpose of the qualification work is to study the current state of the insurance market of Ukraine to determine ways to overcome the main problems of its development The task of the work is to generalize the theoretical foundations of the functioning and development of the insurance market of Ukraine; assessment of the current state of the insurance market; identification of problems of the modern insurance market of Ukraine and development of recommendations for its effective functioning and their substantiation. According to the results of the study, practical recommendations for the effective development of the insurance market of Ukraine are formulated. The obtained results can serve as a basis for improving the performance of the object of study.
32
Ackerman, Michelle Lynn. "The impact of feedback on self-rated driving ability among older adults." Birmingham, Ala. : University of Alabama at Birmingham, 2008. https://www.mhsl.uab.edu/dt/2009r/ackermand.pdf.
Abstract:
Thesis (Ph. D.)--University of Alabama at Birmingham, 2008.Title from PDF title page (viewed Sept. 21, 2009). Additional advisors: Michael Crowe, Cynthia Crowley, Virginia G. Wadley, David E. Vance. Includes bibliographical references (p. 31-34).
33
Ван, Ч., and C. Wang. "Совершенствование методов учета затрат на оплату труда с учетом опыта организаций КНР : магистерская диссертация." Master's thesis, б. и, 2020. http://hdl.handle.net/10995/91882.
Abstract:
Вопросы оптимизации затрат, формирующих себестоимость, имеют приоритетное значение для организаций различных видов экономической деятельности. Наиболее сложными из них по составу и методам оценки являются затраты, связанные с трудовыми ресурсами, к которым помимо заработной платы относятся отчисления на социальное страхование и обеспечение, расходы на охрану труда, повышение квалификации и переобучение работников, и другие социальные пакеты. Для повышения эффективности управления затратами на персонал, включаемыми в себестоимость, важно использовать также и международный опыт. В последние годы Китайская экономика стремительно расширяет свои позиции на международном рынке, включая Россию. Если ранее срана позиционировалась в большей степени как производитель товаров широкого потребления, то в настоящий момент значительно увеличивается доля торговых операций внутреннего и внешнего характера. Сотрудничество Китая и России имеет давние традиции, которые в настоящее время усилены международными санкциями.Optimization of costs that form the cost price is a priority for organizations of various types of economic activity. The most complex of them in terms of composition and methods of assessment are the costs associated with labor resources, which in addition to wages include social insurance and security contributions, labor protection costs, professional development and retraining of employees, and other social packages. It is also important to use international experience to improve the management of personnel costs included in the cost price. In recent years, the Chinese economy has been rapidly expanding its position in the international market, including Russia. If earlier srana was positioned more as a producer of consumer goods, at the moment the share of internal and external trade operations is significantly increasing. Cooperation between China and Russia has a long tradition, which is currently reinforced by international sanctions.
34
Ramos, Ana Rita Aguadeiro. "Avaliação da Participação nos Resultados Futura : Aplicação ao Seguro de Capital Diferido com Contrasseguro." Master's thesis, Instituto Superior de Economia e Gestão, 2010. http://hdl.handle.net/10400.5/2774.
Abstract:
Mestrado em Ciências ActuariaisA avaliação da participação nos resultados futura é um problema que se torna particularmente relevante no âmbito do Projecto "Solvência II" e das novas regras contabilísticas. Trata-se de uma variável que depende de um vasto conjunto de variáveis económicas e financeiras, para além da própria estrutura de cada contrato e do esquema de participação associado. A aplicação ao seguro de capital diferido com contrasseguro faz com que o problema central subjacente consista na estimação dos resultados financeiros futuros obtidos com a gestão dos contratos, dada a sua natureza marcadamente financeira. Como tal, para se proceder à resolução deste problema, propõe-se a implementação de duas metodologias de avaliação: um algoritmo de simulação estocástica e uma análise por cenários, integrada num modelo de optimização da carteira de activos representativa das responsabilidades. Enquanto no primeiro caso os resultados financeiros são estimados com base numa possível adaptação do Modelo de Inflação de Wilkie, no segundo caso considera-se explicitamente a questão da estratégia óptima de investimento.
The valuation of future profit sharing is a problem which has become especially important on "Solvency II" framework and also regarding the recent changes on accounting systems. It is a variable that depends on several economic and financial factors, beyond the structure of each contract itself and its associated profit sharing mechanism. The application of this analysis to the specific case of the deferred capital insurance with return of premiums reveals that the main problem is the estimation of future financial income, arising from the management of these contracts; in fact, this kind of income has the major impact on those contracts. Two different valuation methodologies are proposed in this project, in order to solve the problem. The first is an algorithm of stochastic simulation and the second lays on a scenario analysis, integrated into a model of optimization of the representative portfolio of the liabilities. While in the first methodology financial income is estimated using an adapted version of the Inflation Model of Wilkie, in the second one, the issue of optimal investment strategy is explicitly considered.
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Sawadogo, Relwendé. "Essais sur les déterminants et les conséquences macroéconomiques du développement du secteur d’assurance dans les pays en développement." Thesis, Clermont-Ferrand 1, 2016. http://www.theses.fr/2016CLF10493/document.
Abstract:
La présente thèse est composée d’un ensemble de travaux de recherche en économie appliquée qui s’inscrivent dans le champ contemporain de l’économie de l’assurance. La thèse s’interroge sur comment les pays en développement pourraient développer davantage le secteur d’assurance afin de bénéficier des effets sur l’économie domestique. La première partie de la thèse analyse les déterminants macroéconomiques du développement du secteur d’assurance. Premièrement, les résultats montrent que l'augmentation du revenu par habitant conduit à une augmentation des primes d'assurance-vie et l’assurance-vie est un bien de luxe en Afrique Subsaharienne (chapitre 2). On trouve également des preuves que l’impact marginal du revenu dépend de la qualité de l'environnement juridique et politique. Deuxièmement, l’analyse de l’effet des IDE montre que, ceux-ci constituent un facteur clé dans l'augmentation des primes d'assurance non-vie à la fois dans les pays d’Afrique Subsaharienne (ASS) et dans les autres pays en développement (chapitre 3). Troisièmement, les activités d’assurance-vie et bancaire sont substituables en ASS, cependant les résultats indiquent une causalité unidirectionnelle allant du crédit bancaire au secteur privé vers le développement des activités d’assurance-vie (chapitre 4). La deuxième partie de la thèse analyse l’impact du développement du secteur d’assurance sur l’économie des pays en développement. Premièrement, il apparaît que le développement de l'assurance-vie a un effet positif sur la croissance économique dans les pays en développement d'une part et d'autre part, l’effet marginal de l’assurance-vie est influencé par les caractéristiques structurelles des pays (chapitre 5). Les primes d'assurance augmentent de façon significative la valeur des titres négociés sur le marché financier aussi bien avant et après la crise de 2007(chapitre 6). Troisièmement, la thèse a montré qu’il existe une relation à long terme entre le développement de l’assurance non-vie et l’ouverture commerciale et que les primes d'assurance non-vie améliorent l'ouverture au commerce international aussi bien dans les pays en développement que spécifiquement dans les pays à faible et moyen revenu (chapitre 7)This thesis is composed of a set of research in applied economics that enroll in the contemporary field of economics of insurance. The thesis analyses how developing countries could develop more the insurance sector and benefit from these effects on local economy. The first part explored the determinants of insurance development from a macroeconomic perspective. First, the results show that increase of income per capita leads to an increase in life insurance premiums and that life insurance is a luxury commodity in Sub-Saharan Africa (chapter 2). We also find evidence that the marginal impact of income varies according to the quality of legal and political environment. Second, analysis of effect of the FDI inflows shows that these are a key factor in increase of non-life insurance premiums in countries of Sub-Saharan Africa (SSA) and in other developing countries (chapter 3). In chapter 4, the results highlighted that the activities of life insurance and banking are substitutable in SSA and, however, there is presence of unidirectional causality running from real private credit density to life insurance and insurance density. The second part of the thesis has analysed effect of development of insurance sector on economy in developing countries. First, it appears that the development of life insurance has a positive effect on economic growth on the one hand and on the other hand marginal effect of life insurance is influenced by the structural characteristics of countries (chapter 5). In chapter 6, the results showed that the insurance premiums significantly increase stock market value traded, before as well and after the 2007's economic crisis. Finally, the thesis showed that there is a long term relationship between the development of non-life insurance and trade openness and that non-life insurance premiums improve openness to international trade as well in developing countries than specifically in low and middle income countries (chapter 7)
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Chen, Wen-Shih, and 陳文昰. "Mortgage Insurance Premiums and the Business Cycle." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/42067723568164271888.
Abstract:
碩士東海大學
財務金融學系
99
This research first refines the pricing formula for mortgage insurance (MI) contracts proposed in Bardhan, Karapandža, and Urošević (2006) (BKU (2006)) by re-identifying the setting of conditional losses to insurers. Since the business-cycle property is well observed in housing prices, this research further develops a closed-form solution for valuing MI contracts with business-cycle effects based on the regime-switching option pricing model proposed in Duan, Popova, and Ritchken (2002). Results of real-time analysis show that the ability of the regime-switching model in identifying the business cycle underlying home prices is superior in the U.S. market, and the fair premium of MI contracts with the business-cycle property is higher than that without the property in Quarter 4, 2010. It indicates that incorporating the regime-switching property in valuing MI contracts may facilitate to reduce the losses of insurance companies which are commonly observed in the last three years.
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Chu, Chun Yu, and 朱俊宇. "Research on the development of deposit insurance premiums." Thesis, 1993. http://ndltd.ncl.edu.tw/handle/44455460247334661686.
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Chang, Chia-Ling, and 張嘉伶. "Associaiton of DAC and Future Premiums of Insurance Firms." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/46924147753693464395.
Abstract:
碩士國立臺灣大學
會計學研究所
102
This study investigates association between deferred acquisition costs (DAC) and future premiums. Moreover, firm characteristics (RBC ratio, whether they are classified as public or private, Asset size, Insurance products sold and whether they are affiliated with Financial Holdings Groups) are identified to test whether they have impacts on association of DAC and future premiums. The paper extends prior research of Liu et al. (2012), which studies the relevance of acquisition costs under asset capitalization method, direct expensing method, and indicates that capitalization approach is more useful in predicting a firm’s value and future cash flows. Samples of domestic insurance firms in Taiwan from 2008 to 2012 were used as references. The results show significant positive relationship between DAC and future premiums. Furthermore, firm characteristics such as RBC ratio, whether they are classified as public or private, asset size, and whether they are affiliated with financial holdings groups have significant impacts on association of DAC and future premiums. Moreover, this study provides indirect evidence of value relevance of DAC. If more data are available in the future, test of value relevance of DAC can be improved and further tested.
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Chih-Chia, Wang, and 王芝家. "A trail of labor insurance premiums and pension expenses." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/14682487899569430411.
Abstract:
碩士國立臺北大學
統計學系
102
The improvement of medical technology and the promotion of environmental hygiene cause the life of people are extended significantly in Taiwan. In recent years, the longevity and population-aging rate of Taiwan is nearly at the top of the world. Also, life expectancy increases year by year. The average of male first zero-year-old life expectancy increased from 53.05 to 76.43 years old (from 1950 to 2012) and that of female increased from 55.69 to 82.82 years old. These mean the increasing rate are 44.7% and 48.72% respectively. The Ministry of Interior of Taiwan Government compiles annual abridged life table regularly. The maximum age in the compiled abridged life table is set on 85 years old, so the mortalities over 85 years old are not available. In order to evaluate the annuity for labor insurance, the mortalities over 85 years have to be predicted. This study adopts Gompertz models for mortality, and annual abridged life tables compiled by government are used to estimate the parameters of Gompertz models first. Then predict the mortalities of 85 to 100 years old from 1981 to 2011, and the mortalities of abridged life tables extended to 100 years old from 1981 to 2011. Finally, simple linear regression models are applied to estimate the parameters of Gompertz models from 2012 to 2021 and a predicted mortalities of year 50 to 100 from 2012 to 2021 are also established. Once a complete abridged life tables from 1981 to 2021 is obtained, different return on investment rates and genders are took into account to find the impacts on the life annuity due to the increasing of life expectancy. The present value of all annual premium of a laborer paid and present value of gains including insurance of death claim and all annuities received evaluated at the year of him/her beginning to work are calculated. Then, the ratios of presented value of total insurance paid and total gains are calculated in different return on investment rates and genders. The decreasing of mortality rate will be a trend in the future. The result of this research shows that annuities received will be fewer and fewer for laborer. To prevent the financial dilemma for labor insurance in the future, the government should raise many financial resources, or planning a feasible policy to safeguard the living of retired laborers.
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Yen, Feng-chin, and 顏鳳勤. "The relationship between personal health insurance premiums and economic indicators." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/40605396700308668773.
Abstract:
碩士國立高雄第一科技大學
金融研究所
102
With the developments of society and economy, many people have realized the importance of individual health insurance, resulting in the increase in demand for health insurance. This study analyzes the relationship between Individual health insurance premiums and economic factors, such as export orders index, non-agricultural sector employment, unemployment rate, salary and elderly population from January 2008 to December 2012. Using ADF unit root test, vector auto regression, causality, forecast error variance analysis, reaction and other research methods explores the impact. The results show that export orders index, the non-agricultural sector employment, unemployment rate, average salary and elderly proportion of the population, have a significant impact on the relationship.
41
Kuo, Chien-Chih, and 郭建志. "A Analysis for the Determinants of Personal Health Insurance Premiums." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/30689638268715362738.
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Wang, Hao, and 王皓. "Currency hedge and fair premiums in Life Insurance Guaranty Schemes." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/ej9sm3.
Abstract:
碩士國立政治大學
風險管理與保險學系
107
Due to the low interest rate environment, Taiwan life insurance companies have to increase investments in offshore assets to meet the claim obligations from the past which commit policyholders to higher rates. As a result, insurance companies are facing huge foreign exchange risks. The recent currency hedge costs have dramatically increased due to the fluctuation of interest rate spreads between the U.S. and Taiwan. According to Financial Supervisory Commission, exchange loss for life insurance in 2018 is 230.9 billion, about 2.5 times of that year’s EBIT(84.2 billion), which shows foreign exchange risks have become a major issue for insurance firms in Taiwan. This paper studies the fair premiums in life insurance guaranty schemes. We value such premiums by stochastic processes methods and consider foreign bond investments and foreign exchange swaps in our model. Our research provides：(1) Focus on the influences from foreign investments and hedge strategies. (2) Calculate the foreign exchange risks in life insurance. (3) Analyze interests of both policyholders and shareholders in various scenarios. We find that： (1) As the hedge ratio goes up, the fair premiums will drop. (2) As the volatility of the exchange rate increases, the premiums will also increase. (3) The foreign exchange risks affect premiums more than the interest rate risks do if the hedge ratio is low, and vice versa. (4) If we aim to minimize the premiums, the optimizing foreign investments ratio won’t be 0 and will increase with the hedge ratio. (5) Under above scenarios, the shareholder options and insurance guaranty premiums share the same direction movements, which indicates the conflict between shareholders and policyholders.
43
Ho, Min-Yen, and 何明諺. "A Study of Premiums System in Taiwan National Health Insurance and Second Generation National Health Insurance." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/30787168838650035979.
44
Zou, Beibei. "Regulation versus competition : an assessment of regulation’s impacts on title insurance premiums." Thesis, 2012. http://hdl.handle.net/2152/ETD-UT-2012-08-6338.
Abstract:
This study uses a multilevel model of change to assess the effects of five distinguished regulation styles in title insurance on insurance premiums. This study finds that the states promulgating title insurance premiums have higher charges than the states allowing free competition in the title insurance market. The other regulation styles do not have significantly different impacts on title insurance premiums from free competition. In addition, market characteristics such as home sales, housing price, and property value can also influence title insurance premiums. This study explains the title insurance premium variation among states. The research outcomes can also provide insights into the ongoing regulatory reform in title insurance, in particular in the states using the promulgation regulation style.text
45
Chen, Jian-Cheng, and 陳建成. "Application of Case-Based Reasoning in estimating premiums of Contractors’ All-Risks Insurance." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/43474910216518723506.
Abstract:
碩士國立中央大學
營建管理研究所
91
The premium of a Contractors’ All-Risks Insurance (CAR) is usually estimated by an experienced estimators based on similar past cases. However, arising accident rates lead insurance companies to higher premiums that increase the costs of construction projects. In addition, the higher premiums are not accurately reflecting the level of construction risks due to the estimator’s limited professional knowledge in construction. This research attempts to solve the problem of premium estimation by employing a Case-Based Reasoning (CBR) technique into a Decision Support System (DSS) that comprises of 367 past insurance cases in tunnel construction. The input to the system is a set of properties regarding CAR insurance of the construction project; including project size, location, type, construction firm, and insurance structures of material damage and third party liability. The output of the system is a set of most similar cases retrieved from the case base. A proposed premium is also provided by this system. This developed system is tested against 20 real tunnel projects and an accuracy rate up to 70% in estimating insurance premiums has been obtained; thus it proves that the CBR technique is very helpful in estimating the CAR premiums. This developed system can serve as a useful tool in assisting the owner, insurance companies, and new staff members related to tunnel construction projects to quickly perform accurate premium estimations.
46
Lee, Jui-YI, and 李瑞宜. "An Investigation of the Relationship between Macroeconomic Factors and Life Insurance Renewal Premiums." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/05356073276181664970.
Abstract:
碩士世新大學
財務金融學研究所(含碩專班)
100
This study aims to explore the relationship between macroeconomic factors and renewal premium in the life insurance market. The macroeconomic factors which include average wage income, money supply (M1b), unemployment rate, consumer price index (CPI), exchange rate and one-year term deposit rates are used in this study. The effects of macroeconomic factors on life insurance renewal premium are examined by using the vector autoregressive (VAR) model. Moreover, the resultant impact of insurance premium upon Taiwan Stock Exchange Capitalization Weighted Stock Index (TAIEX) and Taiwan Stock Exchange Finance Sector Index (TF) are also investigated. The empirical results show that there are seasonality effects on the insurance premium. With the seasonal difference of insurance premium, there are significant relationships between macroeconomic factors and the renewal premium. In addition, the renewal premium is positively related to the stock index, implying that the renewal premium of the life insurance industry can be viewed as an important indicator of stock market.
47
Chih, Kuo Po, and 郭柏志. "The study of consumers' behavioral intention of using mobile APP to pay insurance premiums-using life insurance as an example." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/wqync9.
Abstract:
碩士國立東華大學
企業管理學系
106
In Taiwan, it has been seen as bringing a whirlwind of mobile payment. On purchase, consumers no longer need to pay by cash, checks or credit cards; now they can buy all kinds of merchandise with mobile payment APP. However, the new technology has brought consumers not only convenience but also uncertain effects. Therefore, this study used TAM (Technology Acceptance Model) as a conceptual framework to explore the effects of information system, perception of convenience, perceived security, and trust in the environment of the insured using mobile payment to pay the fee, in order to understand the behavioural intention of the insured. The objects of this study are the ensured in Taiwan, and a total of 452 valid samples has been collected. This study used structural equation modeling to test the proposed model. The empirical findings are described below: First, information quality has significant and positive effects on trust and perceived ease of use, respectively. Second, system quality has significant and positive effects on trust and perceived ease of use, respectively. Third, perception of convenience has significant and positive effects on perceived usefulness. Fourth, perceived security has significant and positive effects on perceived ease of use, perceived usefulness and trust, respectively. Fifth, trust has significant and positive effects on perceived usefulness, attitude toward using and intention to use, respectively. Sixth, perceived ease of use has significant and positive effects on perceived usefulness, attitude toward using and intention to use, respectively. Seventh, attitude toward using has significant and positive effects on intention to use.
48
Jui-Chi, Cheng, and 鄭瑞奇. "The Application to Pricing Premiums for Insurance Guaranty Funds - Using GARCH-based Option Pricing Model." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/77920494089028295892.
Abstract:
碩士國立臺灣大學
財務金融學研究所
90
Abstract： The study of the assessments for insurance guaranty funds is another related topic stretched from the study of deposit insurance. Moreover, in order to prevent the impact to whole insurance markets and the insured’s right from the insolvencies of some insurance companies, it becomes an important topic to determine if risk-based premiums should be taken against the behavior of moral hazards. So, the concepts to option pricing are performed to assess the premiums in three different models in the thesis： 1. Basic model － Assets and liabilities of insurance companies are stochastic 2. Jump model － Adding a jump part to liability because of discontinous impact, such as catastrophes. 3. GARCH model － the risk level of insurance companies consists of GARCH properties Some conclusions are simply listed below, according to numerical results： 1. For the insured of high asset-liability ratio, the positive impact on premiums is significant in jump model and GARCH model；however, for the insured of low asset-liability ratio, the differences of the positive impact on premiums in three models are minor. It still shows the premiums in models close to the reality are higher than traditional model. 2. It is uncertain to decide if the theory premiums are higher or lower than the actual premiums. In fact, it is related to the risk properties of different insured.
49
Čepeláková, Lenka. "The Impact of the Macroeconomic Environment on Insurance Companies." Master's thesis, 2015. http://www.nusl.cz/ntk/nusl-350172.
Abstract:
i Abstract: This thesis assesses the impact of economic, institutional and demographic factors on the life and non-life gross written premiums of insurance companies. A dynamic panel data regression using the system generalized method of mo- ments is applied on data of 29 European countries collected by EIOPA covering the period from 2005 to 2013. The results reveal that economic and institutio- nal factors drive both life and non-life insurance industry. On the other hand, we cannot confirm that demographic factors are significant determinants of the growth in GWPs. Subsequently, the hypothesis that there are substantial cross-countries differences among the importance of different macroeconomic determinants on the insurance sector development is explored and confirmed. This work shines new light on the development of the quantitative macro- prudential framework used to determine different economic scenarios affecting insurance companies' balance sheets. Moreover, a broader set of panel data and more variables explaining the growth in insurance sector bring new contributi- ons to the current discussion in academic literature.
50
Клепковська, В. А. "Розвиток майнового страхування в Україні: проблеми та перспективи." Thesis, 2018. http://dspace.oneu.edu.ua/jspui/handle/123456789/9670.
Abstract:
У роботі розглядаються теоретичні основи майнового страхування: економічна сутність майнового страхування, його необхідність та основні принципи, види майнового страхування та їх характеристика, а також механізм його дії в Україні.
Проаналізовано стан майнового страхування в Україні та ПрАТ «СК «Арсенал Страхування».
Пропонуються основні напрями щодо вдосконалення майнового страхування України та оптимізації страхової діяльності ПрАТ «СК «Арсенал Страхування» в частині страхування майна.The work deals with the theoretical aspects of property insurance: the economic essence of property insurance, its necessity and basic principles, types of property insurance and their characteristics, as well as the mechanism of its operation in Ukraine. The state of property insurance in Ukraine and PJSC «IC «Insurance Arsenal» is analyzed. Proposed main areas for improving the property insurance Ukraine and optimization of insurance PJSC «IC «Insurance Arsenal» in terms of property insurance.