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1
Killada, Parimala. "Data Analytics using Regression Models for Health Insurance Market place Data". University of Toledo / OhioLINK, 2017. http://rave.ohiolink.edu/etdc/view?acc_num=toledo1501721348961437.
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Lyxzén, Ivan. "Connecting customers to the correct insurance through statistics and data analysis Helping insurance agents through data analytics". Thesis, Umeå universitet, Institutionen för datavetenskap, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-172273.
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Many companies have built platforms for analyzing user data then using this to extrapolate useful information about customer segments, this project built such a platformed aimed at helping insurance agents better understand their customers. The platform was built as part of JaycomAB’s services and was built to fit their design, both in terms of database, controller and interface. The platform handles two main features, one that matches customers to suitable insurances through a model that uses Bayesian statistics, and the second one that presents charts and graphs depicting statistics. Individual insurance agents gave feedback during the project which was adapted into expanded features before the launch. In the future even more improvements are possible such as a node network for the database. The platform can also be adapted to suit new markets such as private investments or private healthcare.
3
COREA, FRANCESCO. "Essays on machine learning for economics and finance". Doctoral thesis, Luiss Guido Carli, 2017. http://hdl.handle.net/11385/201135.
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Econometrics and machine learning are quite close and related concepts. Nowadays, it is always more
important to extract value from raw data, and distilling actionable insights from quantitative values as
well as qualitative features. In order to deal with these topics, the first chapters (Chapter 1 - 4) are going
to introduce the new wave called machine learning or big data and they will explain the most common
techniques used in the field, respectively regression, clustering, model selection, and tree-based models
(Chapter 2); time series analysis (Chapter 3); and eventually forecasting model with shrinkage methods
(Chapter 4). Then, three applications are going to be provided.
In Chapter 5, it is going to be shown an example of big dataset for the insurance vertical. Rothschild
and Stiglitz ([30]) argued that people signal their risk profile through their insurance demand, i.e. individuals
with a high risk profile would buy insurance as much as they can, while people who are not
going to buy any insurance are the ones with a lower risk profile. This issue is commonly known as
adverse selection. Even if their prediction seems to work quite well in a lot of different markets, Cutler et
al. ([13]) proved that there exist some insurance markets in United States in which the expected result
is completely different. In the wake of this study, we provide empirical evidences that there are some
European insurance markets in which the low risk profile agents are the ones who buy more insurance.
In Chapter 6, a second application is going to be provided. It has been studies the effect of behavioural
biases on entrepreneurial choices to insure their firms against kinds of corporate risks. It has been used a
large sample of Italian Small and Medium sized - finding that they under-insure themselves. The dataset
allows to link corporate insurance choices with the personal traits of the entrepreneur and his household’s
financial choices.
In Chapter 7, finally, an application to financial markets is going to be shown. Bollen et al. ([10])
reintroduced the idea of formulating prediction based on the general sentiment of the investors, even if
they originally exploited microblogging data. The purpose of this study is to verify whether social data
may have a predictive power for the stock prices, returns, and volumes. The analysis has been implemented
for different large technology companies, and the robustness has been tested through a ten-days
rolling window. The evidence shows that there is some intrinsic value in these new features, and that
both the sentiment and the amount of tweets posted online can improve the forecast given by a baseline
autoregressive model. Some additional variations have been tested eventually with the same dataset.
4
Velenyi, Edit V. "Modeling demand for community-based health insurance : an analytical framework and evidence from India and Nigeria". Thesis, University of York, 2011. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.550247.
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The thesis offers three primary contributions to the evidence base on demand for community-based health insurance (CB HI): (i) a review of the literature; (ii) an extended analytical framework to guide empirical investigations of demand for CBHI; and (iii) applied analyses to test the hypothesis regarding the relevance and fit of the proposed extension, and explore central positive and normative questions related to demand for CBHI by low-income groups in India and Nigeria. Chapter 2 offers an appraisal of the empirical and theoretical literature on demand for CBHI. Consequently, it proposes an extended analytical framework, which includes vectors of covariates at the household, CBHI, community, and state levels. More importantly, it proposes to test the relevance of social capital in models for demand estimation of CBHI. This extension places the central thrust of the thesis at the intersection of insurance theory and development economics. Chapter 3 exploits cross-sectional household data to apply the proposed extended framework to draw inferences on the nature of demand for micro insurance in India. Results from discrete choice and linear models show that the additional vectors have an impact on choice. While our social capital measures are not robust, the model statistics suggest that the community vector plays a role in demand. Chapter 4 explores demand to understand the market potential of a pilot in Lagos. The analysis draws on household and provider data. The results are more robust in terms of the number of significant covariates and their economic effects than those found in India. As a result, there is stronger and more decomposed evidence on the importance of the extended sets of covariates. Heckman, bivariate and multivariate models show significant effects for the CBHI and community vectors that have larger marginal effects than those observed in the household vector. The investigation offers a methodological insight into the double bounded dichotomous choice contingent valuation method. The evidence from these empirical analyses corroborates the relevance of the extended framework. We found that using the individual and household-level vector alone to estimate demand for CBHI is detached from reality and leads to model misspecification. Although the analyses are hampered by data limitations, the economic effects of the additional vectors are substantial. Understanding the role of social capital could improve the impact of community-based interventions. While there is evidence of interest in insurance even among the poor, the economic size of contributions from low-income groups in absolute terms is limited. However, their individual and household efforts are not negligible, as the stated reservation prices constitute a significant share of their household consumption. These facts imply that, while low-income households value insurance and coverage is demanded, their financial constraints may constitute a price barrier if the premiums are not subsidized. The thesis identifies critical gaps for future investigation: (i) combining analytical approaches (ii) improving measurement of factors; (iii) expanding the geographic scope of research on CB HI, especially in countries where community-based resource mobilization is a policy priority, in order to improve the external validity of findings and, consequently the value of information for design and policy making.
5
Hájek, Jan. "Oceňování nemovitostí pro potřeby pojišťovnictví - RD v Brně poškozený sněhem". Master's thesis, Vysoké učení technické v Brně. Ústav soudního inženýrství, 2014. http://www.nusl.cz/ntk/nusl-232906.
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The aim of the thesis is to determine the amount of indemnity for damage to the family house caused by excessive snow loads, calculation of material value (time value) immovable assets immediately before the insured event cost method using analytical methods wear, determining the cost of putting immovable in working condition, the calculation of substantive value of intangible assets for the repairs. In this thesis, the emphasis on the clarification process when the risk to the family house and a practical example of an insured event the immovable. At the same time the analysis of the results, which display graphs show how the event affected the development of insurance rates immovable.
6
Brandes, Alina Christa Annemarie Verfasser] y Wolf [Akademischer Betreuer] [Rogowski. "External validation of decision-analytic models based on claims data of health insurance funds / Alina Christa Annemarie Brandes. Betreuer: Wolf Rogowski". München : Universitätsbibliothek der Ludwig-Maximilians-Universität, 2016. http://d-nb.info/1101343907/34.
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Motužienė-Marcinkevičiūtė, Živilė. "Gyvybės draudimo rinkos analizė socialiniu ir ekonominiu požiūriais". Master's thesis, Lithuanian Academic Libraries Network (LABT), 2009. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2009~D_20090608_160551-04018.
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Tyrimo objektas – gyvybės draudimas.
Tyrimo dalykas – gyvybės draudimo analizės požiūriai.
Tyrimo tikslas – išanalizavus gyvybės draudimo teorinius pagrindus ir identifikavus problemas, pasiūlyti gyvybės draudimo analizės metodiką, išanalizuoti gyvybės draudimą Lietuvoje ekonominiu ir socialiniu požiūriais bei pateikti išvadas.
Uždaviniai:
1. Išanalizuoti gyvybės draudimo teorinius pagrindus ir identifikuoti problemas.
2. Nustatyti gyvybės draudimo analizės kriterijus, atrinkti rodiklius, geriausiai atspindinčius pasirinktus kriterijus ir sudaryti gyvybės draudimo analizės metodiką.
3. Išanalizuoti gyvybės draudimą Lietuvoje ekonominiu ir socialiniu požiūriais bei pateikti išvadas.
Tyrimo metodai – mokslinės literatūros ir juridinių dokumentų analizė, loginė ir analitinė analizė, loginis abstraktus modeliavimas, ekonominiai – statistiniai duomenų rinkimo ir analizės metodai; statistinei informacijai apdoroti ir sisteminti panaudoti grupavimo, palyginimo ir grafinio vaizdavimo būdai.
Tyrimo rezultatai:
· Pirmoje darbo dalyje išnagrinėta gyvybės draudimo esmė ir samprata, gyvybės draudimo rūšys, funkcijos bei ekonominis ir socialinis požiūriai. Pateikiama gyvybės draudimo klasifikavimo kriterijų schema ir išskiriamos gyvybės draudimo analizės problemos.
· Antroje darbo dalyje išanalizuoti gyvybės draudimo vertinimo metodai, išskirti gyvybės draudimo analizės kriterijai ir pateikta gyvybės draudimo analizės ekonominiu ir socialiniu požiūriais metodika.
· Trečioje dalyje... [toliau žr. visą tekstą]The object of research – life insurance. The object of research – life insurance analytical point of views. The aim of research – to desing a framework of life insurance analysis, to analyze economical and social point of views of life insurance in Lithuanian and to provide with conclusions. The objectives are: 1. To analyze theoretical point of views of life insurance and to identify their problems. 2. To determine the list of life insurance analysis criteria, to select indicators for these criteria and to desing a framework for analysis of life insurance. 3. To analyse economical and social point of views of life insurance in Lithuania and provide with conclusions. Methods of research: analysis of scientific papers and legal documents, logical analysis, logical abstractive modeling, economic – statistical data collection methods, data grouping, comparison and graphical representation. Research resuts: · Author analyses concept of life insurance, its types in the first part of the paper. Author emphasizes economical and social point of views of the life Insurance. Authors provides with a scheme of classification criteria of life insurance. Also problems of life insurance analysis are listed in the first part of the paper. · Second part of the paper provides with review of methods of analysis of life insurance in the scientific literature. Author developed a list of criteria used by researchers in the literature. Based on these review author propose a method for analysis of... [to full text]
8
Kraus, Jan. "Ocenění výše škody způsobené přívalovým deštěm na rodinném domě v obci Nesovice". Master's thesis, Vysoké učení technické v Brně. Ústav soudního inženýrství, 2015. http://www.nusl.cz/ntk/nusl-233111.
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The thesis focuses on the valuation of damage caused by torrential rain to the family house in the village Nesovice. In the first part the basic terms and assessing methods are defined. In the second part, there are applied methods of appraisal of damage on the family house. There is the value of the property calculated before the insurance event. In the itemized budget, there are quantified the cost of repairs of damaged constructions and then detected current value after repairs. The aim of the thesis is to dedicate readers to the problem of assessment.
9
Maggi, Piero. "Enhanced web analytics for health insurance". Master's thesis, 2020. http://hdl.handle.net/10362/101010.
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Internship Report presented as the partial requirement for obtaining a Master's degree in Data Science and Advanced AnalyticsNowadays companies need invest and improve on data solution implementation within most of the business workflows and processes, in order to differentiate the offer and stay ahead of their competitors. It’s becoming more and more important to take data driven decisions to boost profitability and improve the overall customer experience. In this way, strategies are defined not anymore on common beliefs and assumptions, but on contextualized and trustful insights. This reports describes the work that has been made during a 9-month internship, in order to provide the business with a new and improved solution for enhancing the web analytics tasks and supporting the improve of the online user digital experience. User-level data related to the website activity has been extracted at the highest granularity level. Afterwards, raw data have been cleaned and stored in an Analytical Base Table with which an initial data exploration has been made. After giving initial insights to the digital team, a predictive model has been developed in order to predict the probability of the users to buy the insurance product online. Finally, based on the initial data exploration and the model’s results, a set of recommendations has been built and provided to the digital department for their implementation in order to make the website more engaging and dynamic.
10
Chen, Jen-Ling y 陳貞伶. "Big Data Analytics on Population Ageing Influence to National Health Insurance in Taiwan". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/78822293253822675599.
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碩士東吳大學
經濟學系
105
Facing the current trend of the global aging population structure, Taiwan will give priority to face numerous tests from this phenomenon in short years. This study thinks that the first challenge is the change in supply and demand on the national medical healthcare. Therefore, this study will explore the influence of elderly population over the age of 65 to the National Health Insurance in Taiwan. The data on medical healthcare related to the National Health Insurance in Taiwan is a big data, which has accumulated for more than 20 years. This study searches for complete data that can be used and is suitable for this research issue from numerous and messy information. Eventually, this study adopts time series data and panel data to be used for exploration and analysis. The empirical results show that the growth of the elderly population has a significant influence to the National Health Insurance in Taiwan. In the time series data regression model, when the number of beneficiaries over the age of 65 and the elderly population is increased, the disposable income and the consumer price index have positive correlation. In the panel data regression model, increasing or decreasing of the outpatient medical expenses in each of the 22 cities/counties of Taiwan depends on the degree of population aging, the average employee number of each medical institution, and the unemployment rate. They are proportional to each other.
11
Zaqueu, Jéssica Raquel. "Customer clustering in the health insurance industry by means of unsupervised machine learning". Master's thesis, 2019. http://hdl.handle.net/10362/89468.
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Internship Report presented as the partial requirement for obtaining a Master's degree in Data Science and Advanced AnalyticsTo ensure competitiveness and relevancy in today’s highly digitised world, companies need to ensure that their focus is continuously on the client and on the experience they provide – while not having a negative effect on the organisation’s bottom line. A crucial step to achieving this is to get to know one’s customer base. With the vast amount of data available in a health insurance company, they are able to leverage on unsupervised machine learning techniques to segment their customers. This enables organisations to have a more tailored approach to their customers, identify market growth opportunities and gain competitive advantage.
12
CHEN, WEI-CHEN y 陳威臣. "An Analytical Study of CPAs’Liability Insurance". Thesis, 2004. http://ndltd.ncl.edu.tw/handle/89065247293854871977.
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碩士國立臺北大學
會計學系
92
The agency problems in the corporation can be mitigate by attestation information provided by CPAs. However, the rapid growth of lawsuit in the United States and the Europe in 80’s and 90’s has led to enthusiastic debates about CPAs’ legal liabilities. Recent revisions of CPA laws in Taiwan also focused on CPA’s legal liabilities and whether to establish the requirement about liability insurance. This research analyzes the interaction among CPAs’ audit effort, legal liabilities, and insurance company’s action using the game-theoretic approach. We found that pure strategy equilibrium can exist only when insurance company’s monitoring cost is extremely high, and therefore the CPAs wii not provide high effort in this case. On the other hand under moderate monitoring cost, we can derive several mixed strategy equilibria, which means the CPAs and insurance companies will choose to randomize between their actions. Generally, the probability for the CPAs to provide high effort is positive related to the cost of effort and negative related to the insurance companies monitoring cost. Conclusively the necessity of insurance requirement depend on the relevant range of CPA’s cost of effort and insurance companies monitoring cost.
13
Félix, Catarina Canelas. "The use of business attributes in motor insurance pricing: case study of a portuguese insurance company". Master's thesis, 2019. http://hdl.handle.net/10362/84972.
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Dissertation presented as partial requirement for obtaining the Master’s degree in Statistics and Information Management, with a specialization in Risk Analysis ManagementThe insurance activity offers their clients the opportunity to transfer risk in exchange of a fixed insurance premium. This premium should be enough to assure that the company will be able to respond to its possible future liabilities. These liabilities are, obviously, unknown when the premium is calculated, what means that they should be estimated a priori. However, different people belong to different risk classes, which leads to one of the big challenges of the insurance activity: the definition of a technically balanced tariff, or rate. This dissertation has the objective to develop a pricing analytical model for Motor insurance using business factors and insured environment variables. In order to do so we need to treat our data and do exploratory analysis. After these preliminary steps we will construct two different models, one for claims’ frequency and another for claims’ severity using linear regressions in data mining. At the end of this work we pretend to indicate which variables explain better our data. The data we are using in this dissertation was provided by a Portuguese insurance company.
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Huang, Yi Rui y 黃怡叡. "Performance Evaluation of Life Insurance Agency using Data Envelopment Analysis and Analytic Hierarchy Process". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/24245608009388281606.
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碩士東吳大學
財務工程與精算數學系
98
Since 1960’s and 1990’s, Taiwan government had started two-wave of wildly establishment of Life Insurance. The number of Life Insurance was grown fast. After the financial tsunami in 2009, most of the foreign financial groups had been hurt badly, so they couldn’t afford their subsidiary in Taiwan. Correspondingly, re-create the market and the past dominance of the direct sales business people were no longer the market panacea. Therefore, if the life insurance companies try to survive in this challenge, they maintain an efficient business units continually, and it is important to know how to properly evaluate the operating performance of its business units. In this study, N Life Insurance Company are observed from 2007 to 2009. The number of effective salesman for two years, the number of first year operational allowances and operating expenses are the input variables, and weighted in the first year premium income and the number of insured items in the first year are the output variables. We use data envelopment analysis to observe the technical efficiency of each unit, reference groups, and make some slack variable analysis. Thus, better and the weaker performance of business units can be selected. Since the purpose of performance assessment that assists manager in exploring the reasons for better units outstanding performance, and tries to help improve the performance of weak units. Next, we take sample data from these two groups by questionnaire, and make some deeper analysis by using AHP. Finally, we can find some factors influencing the financial stability and operating performance of N company.
15
Huang, Jian-Hao y 黃健豪. "An Analytical Study of Strategic Alliance between the Banks and the Insurance Companies". Thesis, 2006. http://ndltd.ncl.edu.tw/handle/71569970165889374180.
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碩士國立臺北大學
會計學系
94
Due to the increase of global financial liberalization, many financial institutions participate in other financial institutions’ business. Especially after the legislation of Financial Holding Company Law, the tendency of establishing financial holding company grows rapidly. However, there also exist other ways for a financial institution to achieve the above purpose. For example, the bank can choose to establish a financial holding company or found a strategic alliance with an insurance company. This paper establishes a simplified model with one bank and two insurance companies to study the optimal decisions of the financial institutions. Our results show that the decisions are affected by the profitability of the insurance company, the synergy of the financial holding company, and the bargaining power of the bank and the insurance company. We also derive different equilibria under various situations. Particularly, one may give up some benefits to achieve agreement of cooperation if establishing financial holding company can create more benefits.
16
Wu, Jr-Ya y 吳至雅. "Applying Analytic Hierarchy Process to Discuss the Effect Factor of New Residential Earthquake Insurance System". Thesis, 2003. http://ndltd.ncl.edu.tw/handle/32878869194551717672.
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碩士長榮大學
土地管理與開發學系碩士班
91
Taiwan is located on the border of Eurasia Plate tectonics and Philippines Ocean Plate where is a high dangerous zone. The earthquakes which happen here usually cause huge loss, for example damages in the 921 Chi-Chi Earthquake. Therefore, in order to mitigate post-earthquake loss and to help the residents to reconstruct housing, the residential fire and earthquake insurance was announced formally in April 1st, 2002. Through the past experience, the residents joined the insurance with low participation which was compared with other countries. The main reason is not only high insurance fee and low risk conscious of residents, but financial safety of insurance companies. Besides, the limit of reinsurance capacity in international market also causes the problems of participate the insurance. In order to solve the problems above, this study discusses the effect factors of residential earthquake insurance by analyzing the experience of implementing insurance in America, Japan and New Zealand and gathering the information of insurance laws, contents of implementing insurance in Taiwan. The Analytic Hierarchy Process will be applied in this study to undertake two-stage specialist’s questionnaires. The results point out six effect factors which are (1) the rage of compensation (2) the capacity of co-insurance joint operation organization (3) favor policy of tax discount (4) to rise the price of insurance (5) to implement risk securitization (6) to rise the total compensation limit. And these results will be suggested to the government for reference.
17
TIEN-MEI, CHANG y 張添美. "Applying Analytic Hierarchy Process and Delphi Method on the Analysis of Key Characteristic Features for Top Insurance Salesmen：the example of Nan Shan Life Insurance". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/a7k453.
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碩士致理技術學院
服務業經營管理研究所
100
The aim of this research is to investigate the personality trait of becoming top sales. The study is carried out through the used of questionnaires which are answered by top sales from one single life insurance company. The data is then analyzed by using Delphi method and AHP method. The result will be used in two ways. Firstly, it will be provided to newly joined sales to evaluate if they have the chance to become top sales in the selected life insurance company for their future job prospect planning. Secondly, those factors will be provided to the sales recruitment department as a basis for selecting the appropriate sales in future. Keywords: Personality trait, top sales
18
Chen, Po-Ing y 陳寶嬰. "Discussion of Factors Affecting Consumers’ Purchasing Decision on Long-term Care Insurance with Analytic Hierarchy Process". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/23301790387577289330.
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碩士樹德科技大學
金融系碩士班
102
Abstract With the imbalance of demographic structure in Taiwan, the issue of demanding long-term cares insurance, causing by aging population, is becoming a concern for domestic compatriot. The World Health Organization (WHO) estimate that the potential demand period of long-term care requirement is 7~9 years and it is 7.3 years estimated by the domestic researches by surveying of domestic life expectancy and disease pattern. According to the Taiwan Association of Family Caregivers, the monthly average cost of living of handicapped or disability is approximately 30 to 80 thousands NTD. The cost can be an unbearable burden for a caregiver. Tragedy happens when one family member can’t stand the pressure for carrying out who needs long-term care. In current circumstances, long-term care insurance is vulnerable comparatively to other insurances. How can it being attached importance to public? “The evaluating elements of consumers who interested in long-term care insurances” is the subject of this study. By interviewing 18 persons who are age 40 above and having experiences of purchasing long-term care insurances, the evaluating elements are being collected and assessed. Utilizing KJ method to categorize and to establish hierarchical structure, 6 compositions and 30 elements are derived. Then the AHP method is used to assess the process. In additional, this study compares the differences between various consumers and evaluating elements. Those factors turn up to be a primary concern of “corporate images” of whom consumers’ consideration. The Corporate Social Responsibility Report (CSR) has been a part of enterprises’ competitiveness. Key words: Long-Term Care Insurance,Iinterview, KJ method, Analytic Hierarchy Proces (AHP)
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Huang, Syuan-Yuan y 黃宣菀. "A Study on the Important Competency Factors of Insurance Professionals–The applications of Analytic Network Process". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/g79227.
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碩士南臺科技大學
企業管理系
104
With the economic development, the concept of insurance is increasingly important. The insurance market in Taiwan has been producing various new insurance products that are available to meet the demands of the public. In view of this, the insurance enterprises shall consider the insurance market demands to promote more and more insurance professionals to cope with the social trend and the multi-competition. This study explores the required important factors of competency for the insurance professionals and adopts the analytic network process (ANP) as the analysis tools to examine the correlation relationship between various competency factors to provide insurance professionals a decision-making reference to improve their quality of service to perfect the customer service. The results revealed that the dimension of attitude was the heaviest weight proportions in the important competency factors of the insurance professionals. “Understanding the sale strategies and skills” of the knowledge domain, “action force” of the skill domain, and “work attitudes” of the attitude domain provide key indices in considering the indices in criteria evaluation; the appropriate selection for the insurance professionals was insurance salesperson was heavy correlation weight for each criteria under the estimation of dimensions. Thus, on the consideration that the competency factor of the insurance professional to the optimal effectiveness, it is suggested that the insurance industry shall adopt the insurance salespersons as the main shaft to enhance dimensions of “work attitudes,” “action force,” “understanding the sale strategies and skills,” “enthusiasm,” and “confidence” of the insurance professionals to satisfy the demands of customers at the competitive insurance market.
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Pai, Hsiang-I. y 白湘怡. "A Study for Consumer Selection Criteria in Purchasing Accident Insurance Products by Applying Analytic Hierarchy Process". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/38604979591048134831.
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碩士國立高雄應用科技大學
金融資訊研究所
98
This study uses Analytic Hierarchy Process(AHP) to explore the factors of the valuation while consumers purchasing accident insurance merchandise. This research can help consumers purchasing accident insurance merchandise what their really needs. Furthermore, it can reduce the false probability of the merchandise design and make a win-win situation for consumer and insurance company. In the research, we induce five major types and 21 classes of index. By using the procedure of AHP, decision importance among factors can be evaluated. The contributions of this research are as follows: 1.Factors of purchasing accident insurance merchandise. 2.Construct a standard valuation process of the accident insurance. 3.Evaluate the factor decision weight of purchasing accident insurances for general customers, and customers with different gender and occupation. (1)Purchasing experience, valuation and feedback from the merchandise. (2)Business personnel, friends and relatives introductions, the guarantee of the content, pricing, those five factors are currently used as standard evaluation. 4.Gender and occupation apply as a distinction. Put forth a suggestion according to the result of this research, the insurance company can target different segment for different needs, not to sell or promote the wrong merchandise and cause rejecting by consumer or penitence after purchasing.
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Lin, En-Ju y 林恩如. "Using Analytical Hierarchy Process to Investigate Key Factors of Service Quality of the Life Insurance Company-Shin Kong Life Insurance as an Example". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/33ev72.
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碩士國立臺灣海洋大學
航運管理學系
104
Abstract The purpose of this thesis is to investigate the critical factors in the service quality of an insure company using Shin Kong Life Insurance Company as an example so that the company can set up its service strategy based on our research. Based on the literature review, five dimensions of 15 factors in service quality are derived, which are tangibles, reliability, responsiveness, assurance, and empathy. The analytic hierarchy process (AHP) is employed to analyze the factors and dimen-sions. The analysis shows that tangibles is ranked as the first in the dimensions of the factors. Among 15 factors, the “convenience of the hardware facility” is the most important factor in service quality, the “care and help for customer in difficulty” comes the second place, and “service quality and altitude of the online service” comes the third place. Therefore, the customers anticipate the modern computerization and WiFi facility, so that the customers can keep aware of the products and assurance provided by the company. Customers are looking forward to having help and care when they are in difficulty in paying annual premiums. In addition, customers expect that the call center can enhance their service quality of online service and the staffs are familiar with the regulations in insurance. In this paper, the above findings were made conclusions and recommendations to provide Shin Kong Life Insurance Company in the future to improve service quality and enhance operational reference. Keywords: Analytic Hierarchy Process (AHP), Service Quality
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CHIU-FU-YUNG y 邱富勇. "Applying Analytic Hierarchy Process and Delphi Method on the Analysis of Key Successful Factors for Insurance Service Agencies ── Taking NanShan Life Insurance Company as an example". Thesis, 2012. http://ndltd.ncl.edu.tw/handle/32950473088129975056.
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碩士致理技術學院
服務業經營管理研究所
100
I have been working in the insurance business for more than 20 years. I hope to generalize the key points in success for an agency from researching the crucial factors of the successful case studied agency. Reflecting my personal success and growing course, I can generalize the successful factors of an agency from the practical aspect. The subject of this research is the agencies of the north district of Nan Shan Life. According to the results of the above mentioned purpose, I composed a research questionnaire and analyzed it with Delphi method and AHP method so as to conclude the key factors for a successful agency. The results can be provided to the supervisors who want to set up his/her agency as the references to measure whether they have the criteria to do so. Also, this can be provided to the case studied company for references in cultivating and finding talents when developing agencies.
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Jen, Mei-Yeh y 任美曄. "The Application of Analytical Hierarchy Process Method of Insurance Science and Technology Study on the Factors Affecting the Decision of Consumers to Buy Insurance". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/v5abh2.
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碩士康寧大學
企業管理研究所
105
With technology of development, and consumers consciousness with of high, financial service system Xia of life insurance industry for conform to times of changes, in business marketing way Shang, by traditional business "commodity oriented" of sales mode, gradually transformation for "consumers needs oriented" of marketing way; and insurance technology rise challenge traditional insurance, life insurance industry who for for should global information technology of progress and promote life insurance market development more sheng, is committed to implementation insurance e-commerce business. In the insurance technology insurance there are multiple ways to select, and consumer purchase intentions and behaviors and therefore have different considerations currently insurance in a stage of development of science and technology, on its cover can be divided into traditional insurance, insurance network covered three. This research literature review, compilation practices expert suggested deconstruction plans based on the dimensions and use of hierarchy analysis method to calculate the weights of each decision criterion. Results of the analysis are as follows: (a) traditional insurance methods, decision criteria weighted up to fall under the influence of the subjective norm. (B) the insured, decision criteria weighted up to subjective norms of environmental impact. (C) the network coverage, decision weights up to control the perception of science and technology to facilitate guideline status. (D) virtual integration strategy, building the best insurance plan.
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Chen, Li-Chun y 陳麗君. "A Study on Key Factor of Consumers Purchase Intention For Travel Insurance--Application of Analytic Hierarchy Process". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/anpa97.
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碩士南華大學
旅遊管理學系旅遊管理碩士班
103
This research used AHP to discuss the determinants which a consumer faced when they are buying the travel insurance. Appraised levels were divided by five structures and twenty-four pointers, including “ company’ s image”,“ salesman”, “ purchase pathway”, “purchase experience”,” insurance benefit”. Comparing to multiple factors, every two of them will have more benefits. In this way, they can verdict consumer’s predilection. Through different research, they can help the customers to know more about the benefits of products when they buy the travels insurance. By weight analysis, they can choose their own needs. At the same time, the insurance company can design products that can satisfy the customers’ necessity and reduce the probability of making errors. By using these methods, the customers, salesmen, and insurance company can all take advantages. We analyze the index of the weight and provide the above information and valuation.
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PENG, YUN SIANG y 彭雲香. "Applying Fuzzy Analytic Hierarchy Process to Evaluate the Key Success Factors for Insurance Brokerage Firms in Taiwan". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/52308543668875446877.
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碩士國立高雄第一科技大學
風險管理與保險系碩士班
105
The insurance salesperson has been hold sway over the insurance channel in the insurance industrial in Taiwan. However, since the policy reforms and new competitions enter, every insurance company needs to develop other channels to sell their insurance products. Most importantly, the growth of insurance brokerage firms is getting larger and larger. But how to find the key success factors is the most vital issue for insurance brokerage firms. This paper addresses an effort to design questionnaire for assessing the key success factors and was undertaken in academics, government officers, and managers of insurance brokerage firms in related fields. Through literature review, a hierarchy with goal, criteria, and sub-criteria was proposed, and was later modified by the fuzzy Delphi method. To practically apply the fuzzy analytic hierarchy process, 9 dimensions and 32 criticism standards were fuzzily evaluated in order to analyze the weights of the dimensions and evaluation criteria. The result showed that factors of “sales competence”, “ISO certification of brokerage firms”, “bonus for brokers from brokerage firms”, “the rise of social image and status”, “the reduction of insurance penetration rate” and “network literacy toward the brokers from insurance companies” are the key success factors to insurance brokerages in Taiwan.
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Tung, Chih-Hao y 董志浩. "The study of communication tools combinations selection for life insurance industry:integrating analytic hierarchy process and integer programming". Thesis, 2007. http://ndltd.ncl.edu.tw/handle/18907355746509077781.
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碩士國立彰化師範大學
工業教育與技術學系
95
The study aims to develop a decision support model for communication tools combination, which will be useful for life insurance industry. Selecting communication tools is a multi criteria decision making (MCDM) problem. Below limited budget, the decision maker should select the best communication tools that affect the consumers effectively. In the beginning, the study assembles decision model by interviewing exporters and literature review. Counting relative weigh of communication effect and communication tools will be applied by Analytic Hierarchy Process (AHP). With the upper and lower limits of time blocks for purchasing communication tools, an Integer Programming (IP) was applied to find the best combination of communication tools below a fixed budget.
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XU, JIA-YIN y 許嘉茵. "The Study of Applying Analytical Hierarchy Process to the Critical Success Factors of Commercial Pension Insurance". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/bq929y.
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碩士國立高雄應用科技大學
工業工程與管理系
105
In recent decade, due to the medical advancement leading to longevity, plus Taiwan’s economic stagnation and the huge increase of female employment, it results in people married late, unmarried, or even not having a baby. So the problem of aging population and low fertility is getting worse, it then follows long-term caring and pension insurance. In addition to the long-term caring system pushed by the government, it can also use the pension insurance to help the elder design good financial plan. Pension insurance can be classified into social pension insurance and commercial pension insurance, in which this research focuses on the latter to explore its critical success factors. Commercial pension insurance is a kind of life insurance, which mainly insures the insured who lives longer with the possibility of economic risk, such as pension, the elder caring, and the loss of income after their retirement. Long-term financially stable commercial pension insurance can sustain pension insurance. But due to price inflation and the like problems, in recent years many countries are facing the challenge of financial balance. Because of that, they may take to raise the premium rate, lower the payment level, and increase the age of application for pension, etc. to ensure the sustainability of commercial pension insurance. In addition, it may also use the increase of national financial injection, the change of salary level and consumer price index, and the variables of overall population and labor market to adjust based on societal, economic, and environmental change. Therefore, this study uses the method of analytic hierarchy process to explore the critical success factors of commercial pension insurance in Taiwan. The results reveal that Taiwanese people have high demand for physical service and cash, and via buying the commercial pension insurance it may compensate the insufficient protection of the social pension insurance that can offer the elder the better life conditions.
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Huang, Shih-Chuan y 黃士娟. "A Study of Applying Fuzzy Analytic Hierarchy Process on the Considerations of Choosing Management Technology for Insurance Enterprises". Thesis, 2006. http://ndltd.ncl.edu.tw/handle/74340942684519659768.
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碩士長榮大學
經營管理研究所(在職專班)
94
Lately, it is important tendency for business choosing appropriate management technology to promote operating performance. Owing to insurance enterprises are leading role in the finance property, this article’s purpose on comprehension of the considerations of choosing management technology for insurance enterprises. The fuzzy-AHP (Analytic Hierarchy Process) method of Multi-Criteria Evaluation was used in the papers to construct a efficient managerial competence assessment model, the assessor would be able to obtain the information needed to assist the relative managerial competence activities with more systematic ways and fewer steps than before. The study adopted Borda Function and fuzzy-AHP method conduct a further survey and analysis with insurance enterprises. The findings are listed as bellows: 1.Customer Relationship Management (CRM) most usually being applied in the insurance enterprises. 2.Developing effective strategy, encouraging motives of working, increasing availability of goal, promoting customer satisfaction and enhancing operation performance are most important factors in considerations of the considerations of choosing management technology for insurance enterprises. 3.Customer Relationship Management, Knowledge Management and Pay for Performance Plan will be practiced in the insurance enterprises, and using satisfaction of the CRM is higher than others.
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Chiang, Tsai-Te y 江再得. "The Factors of Buy-again for Nan Shan Life Insurance Company's Customers: Case Study by Analytic Hierarchy Process Method". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/st34d7.
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碩士嶺東科技大學
高階主管企管碩士在職專班
102
This study taked Nan Shan Life Insurance Company for example, research the relationship between service quality and customer repurchase cognitive factors related to Nan Shan Life Insurance for reference. In this study, a questionnaire distributed consumers to understand consumers the opportunity to purchase life insurance and repurchase factors; payment service personnel questionnaire focused on the understanding of consumer services, thus helping new staff quickly filled, to avoid wasting resources, education and training, and reached a high retention rate; and the lifting of the market share.
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Chuang, Shin-Yi y 莊士毅. "A Study on the Operating Performance of Voluntary Automobile Insurance in Taiwan with Analytic Network Process and Balanced Scorecard". Thesis, 2008. http://ndltd.ncl.edu.tw/handle/91717145052171574606.
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碩士淡江大學
保險學系保險經營碩士班
96
The study which is analyze the evaluate items of operating performance of Taiwan’s voluntary automobile insurance use a method of analytic network process and a concept of balance scorecard. First, the basic framework adopts the balance scorecard with four dimensions. Second, the importance of 16 dependence evaluate items can be found which is using a method of analytic network process. Lastly, the exports’ opinion will be confirm by the method of regression. The important items can be reflected the reality condition of Taiwan’s voluntary automobile insurance industry. This study considers the balance scorecard of four dimensions which have financial, customer, internal business processes and learning and growth, and sets up a framework of network. Each dimension has four evaluating items. There are 16 evaluating items in four dimensions. The result shows that service system of insured in the dimension of internal business processes is the most important, this item weight is 0.12727. The ratio of voluntary automobile insurance in the dimension of financial is less important, the item weight is 0.03306. The experts consider the most important 5 items in which the ratio of professional and the enquire system of online claim progress have significant in regression analysis, it means that the experts’ opinion and result of regression analysis all identify with this two evaluate items. But the experts’ opinion and result of regression analysis can not identify with rest of evaluate items, it means that the expert have lower respect for these evaluate items which compares with regression analysis.
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CUUANG, YU-CHIN y 莊玉琴. "Factors of the Intention to Stay for Life Insurance by Analytic Hierarchy Process: A Case Study on Chiayi City". Thesis, 2019. http://ndltd.ncl.edu.tw/handle/rz869v.
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碩士南榮科技大學
工程科技研究所碩士班
107
With the recognition of the insurance concept by the Chinese people and the rapid development of the insurance market, the competition in the life insurance industry in the domestic life insurance industry is fierce. However, there is no clear solution to the problem of retaining new business personnel. Faced with business performance and the retention of business personnel is a big test for life insurance companies. Therefore, this study mainly focuses on the new life insurance industry personnel, and explores the indicators of the factors in the life insurance industry's new personnel through the Analytic Hierarchy Process Theory (AHP). The research process first obtained the face-to-face configuration of the new life insurance personnel through the literature analysis method, and then invited the new recruits who just received the registration card to participate in the rookie class and the business representatives within one year to define the factor indicators through the brainstorming method, and establish a hierarchical structure. The pairwise comparison method provides the weight and ranking of the factor indicators. The results show that the key facets of the new life insurance personnel in the life insurance industry are education training, sales skills, learning mentality, and habit formation. The key indicators under the education and training face are pre-employment training, and the key indicators under the sales skill structure. For communication skills, the key indicators under the learning mentality are the attitudes of the industry. The key indicators under the habit of fostering the formation are the customer visits. This study will provide the life insurance industry with a variety of education and training for the new recruits in the life iii insurance industry. The period of staying for a longer period of time will be analyzed and provided to the life insurance industry as a reference for any newcomers to stay free. It is expected that the life insurance industry will reduce unnecessary cost and waste of resources when doing business.
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Singer, Basil Karim. "Algorithmic Analysis of a General Class of Discrete-based Insurance Risk Models". Thesis, 2013. http://hdl.handle.net/10012/7751.
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The aim of this thesis is to develop algorithmic methods for computing particular performance measures of interest for a general class of discrete-based insurance risk models. We build upon and generalize the insurance risk models considered by Drekic and Mera (2011) and Alfa and Drekic (2007), by incorporating a threshold-based dividend system in which dividends only get paid provided some period of good financial health is sustained above a pre-specified threshold level. We employ two fundamental methods for calculating the performance measures under the more general framework.
The first method adopts the matrix-analytic approach originally used by Alfa and Drekic (2007) to calculate various ruin-related probabilities of interest such as the trivariate distribution of the time of ruin, the surplus prior to ruin, and the deficit at ruin. Specifically, we begin by introducing a particular trivariate Markov process and then expressing its transition probability matrix in a block-matrix form. From this characterization, we next identify an initial probability vector for the process, from which certain important conditional probability vectors are defined. For these vectors to be computed efficiently, we derive recursive expressions for each of them. Subsequently, using these probability vectors, we derive expressions which enable the calculation of conditional ruin probabilities and, from which, their unconditional counterparts naturally follow.
The second method used involves the first claim conditioning approach (i.e., condition on knowing the time the first claim occurs and its size) employed in many ruin theoretic articles including Drekic and Mera (2011). We derive expressions for the finite-ruin time based Gerber-Shiu function as well as the moments of the total dividends paid by a finite time horizon or before ruin occurs, whichever happens first. It turns out that both functions can be expressed in elegant, albeit long, recursive formulas.
With the algorithmic derivations obtained from the two fundamental methods, we next focus on computational aspects of the model class by comparing six different types of models belonging to this class and providing numerical calculations for several parametric examples, highlighting the robustness and versatility of our model class. Finally, we identify several potential areas for future research and possible ways to optimize numerical calculations.
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CHEN, CHEIN-LIANG y 陳建良. "Using Analytic Hierarchy Process to Explore the Decision Factors of Long-term Care Insurance for Middle-Aged and Older People". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/t8p6zc.
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碩士南開科技大學
福祉科技與服務管理所
106
According to the Ministry of Health and welfare, a citizen needs about 7.3 years of health care in one’s lifetime. However, due to financial difficulties, the government is unable to allot sufficient budget to long-term health care schemes. As a result, deliberate life plans are necessary to guarantee the quality of life. Statistically, per Taiwanese buys 2.4 insurance plans. The market of long-term health care is presumably highly potential. To obtain the maximum niche of this type of insurance commodities, insurers must not neglect the factors that influence people’s insurance options. The purpose of this research is to explore the factors that affect middle-aged and elderly people’s choice of long-term health care insurances. The study aims at citizens aged 45 and over in Taichung, Changhua, and Nantou areas. And their frameworks of the determining factors are based on Analytic Hierarchy Process (AHP). After assessing and evaluating one-hundred valid questionnaires with Expert Choice software, the results indicate that the Commodity Factors are the most influential components (0.43), followed by Corporation Factors (0.24), Representative Factors (0.17), and Interpersonal Relationship Factors (0.16). The weight of each dimension illustrates among all of the evaluation factors of “Commodity Factors”, “Insurance Coverage” is the main consideration while people are selecting insurance plans. The conclusion suggests to meet the needs of the middle-aged and elderly citizens, more comprehensive compensation for covered items must be the top priority when insurers are designing long-term health care insurances. Keywords: Insurance market, Evaluation factors, AHP
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Kuzminskaya, Kseniya. "Urychlení výpočtů v životním pojištění". Master's thesis, 2018. http://www.nusl.cz/ntk/nusl-382835.
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One of the major issues in practical calculation in life insurance - typically value of liabilities, value of the company, pricing,... - is that the calculations run times are very long. This work should investigate possible approaches how to speed up the calculation (cluster analysis, flexing,...). If the results are positive, it can have crucial practical applications 1
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Chiang, Chu-Liang y 江諸亮. "An Empirical Study on the Important Element of Service Quality for Property-Liability Insurance Industry--An Application of Analytic Hierarchy Process". Thesis, 2004. http://ndltd.ncl.edu.tw/handle/90129608359839841921.
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Chuang, Hui-I. y 莊惠怡. "Employing Analytic Hierarchy Process and Importance-Performance Analysis to Analyze Factors That Affect Consumers' Intention of Cross-Buying Insurance in a Bank". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/56187470151381192741.
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碩士實踐大學
財務金融與保險研究所
99
Employing Analytic Hierarchy Process and Importance-Performance Analysis to Analyze Factors That Affect Consumers' Intention of Cross-Buying Insurance in a Bank Graduate Student：Hui-I Chuang Advisor：Dr. Chiang-Ku Fan ABSTRACT The question of why bank customers decide to cross-buy and to enhance their relationship with a bank has received scant attention in the literature and has not been appropriately investigated in prior studies. Therefore, a significant research gap has emerged in understanding the factors that motivate cross-buying intention. The first purpose of this study is to address this research gap by developing and assessing an objective research model to weigh the factors that affect intention of cross-buying insurance in banks. The second purpose of this study is to identify the resulting degree of satisfaction of these factors. The estimation model in this study consists of three phrases. In the first phrase, the factors of cross-buying intention for bancassurance are identified using the modified Delphi method. In the second phrase, factors' weights of cross-buying intention are also used as the evaluation criteria, and these are calculated effectively by analytic hierarchy process (AHP). In the third phrase, the gaps between the factors of cross-buying intention and the resulting satisfaction are recognized by using the “Importance Performance Analysis (IPA).” This research finds, image, service convenience, and interpersonal relationship are top three order of importance by analytic hierarchy process; According to the result of IPA, payment equity and experience fell into the area of “concentration.” It means manager has to put greater efforts into improving performance with respect to these factors. Furthermore, image, service convenience, interpersonal relationships, and trust located in “keep up the good work.” Managers have to maintain the performance with respect to these factors to sustain the resultant competitive advantages. In addition, product variety and pricing were plotted in the area of “low priority.” Thus, it’s not necessary that manager put too much effort into improving their performance with respect to these factors. Key Words: cross-buying; bancassurance; intention; analytic hierarchy process; importance performance analysis