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1
Smith, Tania A. "Insurable interest and marine insurance contracts". Thesis, University of Manchester, 2000. https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.488352.
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2
Gongora, Luis Jorge. "Aviation insurance". Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1999. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape9/PQDD_0010/MQ50933.pdf.
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3
Góngora, Luis Jorge. "Aviation insurance". Thesis, McGill University, 1998. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=21682.
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This thesis examines the subject of aviation insurance from the broad international market perspective, mainly covered by London, and the structure, content and interpretation of typical aviation insurance policies An historical background is provided to give an overview on the matter. Precedents from various jurisdictions have been noted. Because policies written for several types of insurance frequently contain provisions similar or analogous to those found in common aviation insurance policies, those provisions, and references to the few authors who have written on the matter, are quoted frequently.
4
Ball, S. G. "Self-insurance and public insurance over the life-cycle". Thesis, University of Cambridge, 2008. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.596317.
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This thesis addresses household saving behaviour, characterising the extent of self-insurance and public insurance over the life-cycle. Understanding how household saving varies in response to different forms of uncertainty is vitally important. Some risks are not fully insurable when markets are incomplete: for example, it is difficult for private insurers to cover layoff and productivity risk because of moral hazard issues. In these situations saving decisions determine households’ ability to avoid adversity, or to self-insure against such outcomes. While there has been substantial research into the broad questions concerning saving and expenditure choices, issues such as household asset allocation, the adequacy of self-insurance, and the interplay between these decisions and public insurance are less well understood. This thesis investigates these questions, combining theory and empirics in order to further our understanding of the underlying mechanisms of household saving choices. I begin with theory, presenting two structural papers that enrich the basic life-cycle model by increasing the realism of the modelling structure. In the first chapter I formulate a number of extensions to the standard framework, and detail how these permit simultaneous matching of key wealth and asset allocation statistics. In the second, I propose a novel identification strategy that enables us to elicit households’ beliefs about the risk and return of investing in stocks, and allows us to estimate intertemporal allocation parameters harmonising both consumption and financial wealth data. In the third chapter I undertake a reduced form approach to estimate the consumption loss associated with serious health shocks, using the life-cycle model as an organising framework. I develop a systemic analysis of household saving choices in order to better analyse questions about the effectiveness of self-insurance, the degree of preparedness for retirement, and how these respond to different levels of public insurance.
5
Ortega, Piana Marco Antonio. "Payment of Insurance Premium and Subsistence of the Insurance Contract". IUS ET VERITAS, 2016. http://repositorio.pucp.edu.pe/index/handle/123456789/123310.
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This article addresses the issue referred to the remedies of the insurance contract for the non-payment of the premium. t hrough an analysis of the previous and current legislation, the author examines the consequences of the non-payment of the insurance premium in the contractual relationship. By recognizing the protective nature of the legislation in favor of the insured as the weak party, three specific contractual remedies are identified: The suspension of coverage, the termination of the contract and the the extinction of the contractual relationship by inaction of the parties.El presente artículo aborda la temática referida a los remedios del contrato de seguro ante el incumplimiento del pago de la prima. r ealizando un análisis de los remedios que planteaba la anterior legislación así como la vigente, el autor examina las consecuencias que tiene el incumplimiento del pago de la prima en la relación contractual. Reconociendo el carácter tuitivo de la legislación en favor del asegurado como parte débil, se identifica tres remedios contractuales específicos: la suspensión de la cobertura, la resolución del contrato y la extinción del contrato por inacción de las partes.
6
Yuen, Tak-tim Anthony. "A study on the popularity of utilizing insurance brokers by industrial concerns in Hong Kong for management of their insurance programme /". [Hong Kong : University of Hong Kong], 1986. http://sunzi.lib.hku.hk/hkuto/record.jsp?B12326331.
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7
Guleroglu, Cigdem. "Portfolio Insurance Strategies". Master's thesis, METU, 2012. http://etd.lib.metu.edu.tr/upload/12614809/index.pdf.
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The selection of investment strategies and managing investment funds via employing portfolio
insurance methods play an important role in asset liability management. Insurance strategies
are designed to limit downside risk of portfolio while allowing some participation in potential
gain of upside markets. In this thesis, we provide an extensive overview and investigation,
particularly on the two most prominent portfolio insurance strategies: the Constant Proportion
Portfolio Insurance (CPPI) and the Option-Based Portfolio Insurance (OBPI).
The aim of the thesis is to examine, analyze and compare the portfolio insurance strategies in
terms of their performances at maturity, via some of their statistical and dynamical properties,
and of their optimality over the maximization of expected utility criterion.
This thesis presents the financial market model in continuous-time containing no arbitrage
opportunies, the CPPI and OBPI strategies with definitions and properties, and the analysis
of these strategies in terms of comparing their performances at maturity, of their statistical
properties and of their dynamical behaviour and sensitivities to the key parameters during the
investment period as well as at the terminal date, with both formulations and simulations.
Therefore, we investigate and compare optimal portfolio strategies which maximize the expected utility criterion. As a contribution on the optimality results existing in the literature,
an extended study is provided by proving the existence and uniqueness of the appropriate
number of shares invested in the unconstrained allocation in a wider interval.
8
Kluender, Raymond (Raymond Peter). "Essays on insurance". Thesis, Massachusetts Institute of Technology, 2018. http://hdl.handle.net/1721.1/118046.
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Thesis: Ph. D., Massachusetts Institute of Technology, Department of Economics, 2018.Cataloged from PDF version of thesis.
Includes bibliographical references.
This thesis consists of three chapters on the economics of health insurance. In the first chapter, Carlos Dobkin, Amy Finkelstein, and Matthew Notowidigdo and I use an event study approach to examine the economic consequences of hospital admissions in two datasets: survey data from the Health and Retirement Study, and hospitalization data linked to credit reports. For non-elderly adults with health insurance, hospital admissions increase out-of-pocket medical spending, unpaid medical bills, and bankruptcy, and reduce earnings, income, access to credit, and consumer borrowing. The earnings decline is substantial compared to the out-of-pocket spending increase, and is minimally insured prior to age-eligibility for Social Security Retirement Income. Relative to the insured non-elderly, the uninsured non-elderly experience much larger increases in unpaid medical bills and bankruptcy rates following a hospital admission. Hospital admissions trigger fewer than 5 percent of all bankruptcies in our sample. In the second chapter, Evan Mast and I investigate an information friction in Medicare Advantage-beneficiaries pay two premiums, and one is much more salient. We find a larger demand elasticity for the salient versus non-salient premium. A model of insurer plan design produces simulated premiums matching the observed distribution using these "behavioral" elasticities, but not when assuming equal elasticities across the two premiums. Removing the friction increases enrollment in low-premium plans, increasing consumer surplus $5/year with supply fixed and $73/year when including a supply response. In the final chapter, I use difference-in-differences and triple-difference methods to understand the effects of the Affordable Care Act Medicaid expansion on a number of labor supply indicators and find no significant evidence of a labor supply response.
by Raymond Kluender.
Ph. D.
9
Černý, Zdeněk. "LIFE INSURANCE OPTIONS". Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-4551.
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The goal of the thesis is to present and apply mathematical tools that are necessary for proper understanding of valuation of options in life insurance. This includes basic principles of actuarial calculations based on first order assumptions and the basics of stochastic calculus used for derivatives pricing. Afterthat we discuss the difference between first and second order assumptions and apply the mathematical tools to valuation of life insurance options. Finally the appearance of life insurance options within the liability adequacy test and european law is mentioned.
10
Corzo, de la Colina Rafael, e Mendoza José Villafuerte. "Great risk insurances and disproportionate protection of insured persons in insurance contract Law". IUS ET VERITAS, 2017. http://repositorio.pucp.edu.pe/index/handle/123456789/122964.
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In this article, the authors tell us about great risk insurances and describe its regulation in foreign law. Then, they point out the protective role of State in the consumption relationship is to reduce information asymmetries, but there is no total disclosure obligation in the market. Therefore, information asymmetry ceases to be relevant when the user of the service has negotiating capacity and necessary resources to make an informed decision. They conclude it is pertinent to equate the application of the Peruvian Insurance Contract Law to international standards.En el presente artículo, los autores nos hablan de los seguros de grandes riesgos y describen su tratamiento en la legislación extranjera. Luego, señalan que el rol protector del Estado en la relación de consumo es reducir las asimetrías informativas, pero no existe una obligación total de divulgación de información en el mercado. Por lo tanto, la asimetría informativa deja de ser relevante cuando el usuario del servicio tenga capacidad de negociación y recursos suficientes para tomar una decisión informada. Concluyen que es pertinente equiparar la aplicación de la Ley del Contrato de Seguro peruana a estándares internacionales.
11
Strandberg, Dan. "Ensuring Insurance : A study of user expectations on trustworthiness of websites for insurances". Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-272136.
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The rapidly advancing technology and Internet has opened up for many industries to offer e-commerce solutions. While an increasing amount of industries are offering solutions over the web, the quality of these solutions are increasing both visually and functionally. Simultaneously, users are becoming increasingly accustomed to these increasing standards and it is therefore crucial to keep up with these standards in order to seem trustworthy in the eyes of the customers. The insurance industry is starting to implement ecommerce solutions in this increasingly digital world. However, since the expectations on an insurance company differ from other e-commerce industries, this thesis presents a study on what the people, specifically Digital Natives, expect from an insurance company in terms of trust and reliability. Based on the research findings, the goal of this study was to identify and understand the cause of the users preconceived idea of what trust on an insurance website look like. This was done by reading existing research articles and reports, sending out a survey, conducting user testing with an existing insurance websites followed by an evaluation of designed prototype. The results from the survey and the first user testing identified several factors and characteristics that the users' based the conception of trust towards an insurance company on. These factors and characteristics were further tested and verified in a designed prototype and the findings were discussed. Lastly, specific factors of trust for insurance companies were highlighted and a conclusion was made.Den snabbt avancerande tekniken och Internet har öppnat upp för många branscher att erbjuda e- handelslösningar. Under tiden som fler industrier erbjuder lösningar på nätet ökar kvaliteten på dessa lösningar, både visuellt och funktionellt. Samtidigt blir användarna mer och mer vana vid dessa ökande standarder och det är därför viktigt att hänga med dessa ökande standarder för att uppfattas som pålitliga i kundernas ögon. Försäkringsbranschen börjar implementera e-handelslösningar i denna alltmer digitala värld. Eftersom förväntningarna på ett försäkringsbolag skiljer sig från andra e-handelsbranscher presenterar denna rapport en studie av vad människor, framförallt Digital Natives, förväntar sig av ett försäkringsbolag när det gäller förtroende och tillförlitlighet. Baserat på resultatet av forskningen var målet med denna studie att identifiera och förstå orsaken till användarnas förutfattade mening om hur försärkingshemsidor inger förtroende. Detta gjordes genom att läsa befintliga forskningsartiklar och rapporter, insamling av svar från en enkät, användartester med befintliga försäkringsbolags hemsidor följt av användartester med en designad prototyp. Resultaten från undersökningen och den första iterationen av användartester identifierade flera faktorer och egenskaper som användarnas baserade förtroendet för ett försäkringsbolag på. Dessa faktorer och egenskaper testades och verifierades vidare i den designade prototypen varvid dessa fynd diskuterades. Slutligen lyftes specifika förtroendefaktorer för försäkringsbolag fram och en slutsats gjordes.
12
Kelly, Mary Virginia. "An economic analysis of the property/casualty insurance market". Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp02/NQ34560.pdf.
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13
Magee, David Douglas. "Comparative analysis of neural networks and traditional actuarial methods for estimating casualty insurance reserve liability /". Digital version accessible at:, 1999. http://wwwlib.umi.com/cr/utexas/main.
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14
Ding, Jian. "Research on insurable interest in English and Chinese law of marine insurance". Thesis, University of Southampton, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.430530.
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15
Humphries, J. A. "Insurance markets and sales performance : A study for Provincial Insurance P.L.C". Thesis, Lancaster University, 1987. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.381785.
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16
Yusuf, Tajudeen Olalekan. "Insurance Intermediaries and the Control of Opportunism in the Insurance Market". Thesis, University of Nottingham, 2009. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.523220.
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17
Norbeck, Angela J. "Health Insurance Literacy Impacts on Enrollment and Satisfaction with Health Insurance". ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5387.
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Health insurance literacy (HIL) contributes to the lack of understanding basic health insurance (HI) terms, subsidies eligibility, health plan selection, and HI usage. The study is one of few to address the existing gap in the literature regarding the exploration of the relationship between HIL, individuals' HI enrollment, and individuals' satisfaction with their HI. The theoretical framework selected for this study was the prospect theory, which describes the behavior of individuals who make decisions. In this cross-sectional correlational study, secondary data set from the third Quarter 2015 Health Reform Monitoring Survey was used. Binary logistic regression models were used to test hypotheses of four predictive relationships between (a) HI enrollment and HIL with HI terms; (b) marketplace enrollment and HIL with HI terms; (c) satisfaction with HI and HIL with HI access to care; and (d) satisfaction with HI and HIL with HI cost of care. Results indicated that participants with high HIL with HI terms had 4.2 times higher odds that those with low HIL to be enrolled in HI and 81% higher odds than those with low HIL to be enrolled in marketplace HI. The most significant relationship indicated that participants with high HIL with HI activities had 12.8 times higher odds than those with low HIL to have high satisfaction with access to care and 8.8 times higher odds than those with low HIL participants to have high satisfaction with cost of care. The finding that low HIL is associated with lower enrollment and lower satisfaction with HI has implications for social change. Policymakers may have the opportunity to utilize this study to promote policies that promote higher HIL, which may lead to increased HI enrollment and improved satisfaction with HI selection.
18
Yeung, Chak-sze Terry. "A strategic study of the general insurance industry in Hong Kong /". Hong Kong : [University of Hong Kong], 1990. http://sunzi.lib.hku.hk/hkuto/record.jsp?B12792743.
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19
CHEN, CHIA-WEI, e 陳嘉緯. "Insurable Interest in Marine Cargo Insurance". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/44962137651533323153.
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碩士國立高雄大學
財經法律學系碩士班
105
Taiwan is located in the intersection of Southeast and Northeast Asian countries, which is an advantageous geographical location for a country that bases its development on imports and exports. Marine cargo plays a critical role in international trading, which is largely reliant on marine transport despite the current development of air transport. Marine transport is however vulnerable to risks of damages of varying types. Given the business philosophy of risk distribution and sustainable management, purchasing marine cargo insurance is necessary to divert the risk from the marine trader to the insurer. Thus, the policyholder can receive compensations when a large amount of loss is incurred as a result of an accidental incident on the sea. However, the insurable interest in the policyholder’s marine cargo insurance is based on economic benefits as well as the risks involved. In this study, we analyze the meaning of insurable interest based on the concept of marine insurance and examine the time point at which insurable interest should exist. Subsequently, the insurable interest in marine cargo insurance for everyone involved is described and substantiated with examples of international trading practice. A discussion is conducted on the third-party benefit of the marine cargo insurance. Finally, a conclusion is drawn and recommendations are proposed on the basis of the aforementioned content. This study involves discussing the legal problems pertaining to the insurable interest in marine cargo insurance. In the international community, disputes concerning marine insurance are largely handled by following the U.K. legal system. Therefore, the statutory law and opinions of the court are crucial in practice, such as the Marine Insurance Act 1906, which stipulates regulations relevant to insurable interest in Articles 4 to 15. In Taiwan, legal policies to regulate insurable interest are currently inadequate. According to Article 1 of the Civil Code, the U.K. laws may be adopted where necessary.
20
Lee, Shu-pao, e 李淑寶. "Study on Loss Indemnity Principle under Insurance Laws across Taiwan Strait-Focus on Insurable Interest,Double Insurance and Insurance Subrogation". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/82298536395053207520.
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碩士東吳大學
法律學系
99
Principle of Indemnity is a basic but indispensable principle of Insurance Law. It follows the concept of “no damage, no indemnity”; focus on the relationship between the damage and the indemnity and the restriction of insurance amount. Means that while the insured can have their right of insurance, they will not gain more than how much they deserved. Insurable Interest, Double Insurance and Insurance Subrogation, all of them can realize the spirit of Principle of Indemnity. However, countries have different explanation and applications about the scope where the principle can be applied, the validity and the relationships between the parties. China issued the Insurance Law of the People’s Republic of China which cooperates with the Insurance Contracts Act and the Insurance Business Law and has been repaired on Oct 28 2002 and Feb 28 2009. Insurance Law in Taiwan separates Insurance Contract into Property Insurance and Personal Insurance according to the 13th, while the Insurance Law of the People’s Republic of China did not write it clearly, we can still know that its Insurance Low has divide into Property Insurance and Personal Insurance according to the 12th Ch2 of Insurance Contract and the classification of 2nd and 3rd in Ch2. Property Insurance and Personal Insurance are classified by the Insurance Object, and it is possible to take this standard as basis of classification of the business scope. But if take this as the basic of rights and duty of Insurance Contract, the goal of restriction will be failed because of the differences and conflicts between the character of rights and duty of Insurance Contract. The Insurance Law of Taiwan and China are dividing the Insurance Contract into Property Insurance and Personal Insurance, and since the Insurance Contract is not divided into Indemnity Insurance and Fixed Benefit Insurance, there are conflicts between implication and researches. Taiwan’s Supreme Court announced a verdict to the No.1166 case, which considers that it is appropriate for Personal Insurance to apply to Double Insurance. Though it is not accepted by most of the scholars, this verdict had influenced the implication in this field for more than ten years. And till Apr 23 2004, this inappropriate was overthrow by the No.576 explanation in Council of Grand Justice. Taiwan’s Supreme Court announced a verdict No.495 deliver clearly that the Personal Insurance is not belong to Indemnity, except Health Insurance, Accident Insurance, Disability Benefit and Medical Benefit are belong to Indemnity. It is praised since most of them are Block Insurance and are not Excess Insurance. Though China arranged Double Insurance and Insurance Subrogation in Property Insurance Contract, it is not appropriate to use it in Personal Insurance Contract. While there are some types of Insurance of Personal Insurance are belonging to Indemnity, it is not good to make them a clear boundary. This article is trying to give some advice to improve the low of Taiwan and China based on the result of the researches.
21
Li, Jie-Lun, e 李杰倫. "Application of Insurance Platform on Insurance Online". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/8g77jz.
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碩士國立中央大學
資訊管理學系在職專班
105
In recent years, the rapid growth of the Internet economy, changing many of the traditional consumption habits, from the entity to the virtual, so a large increase in the network population, bringing the so-called e-commerce market, although many consumer goods to electronic, but ignored. The insurance goods formed by the sale of the contract. Insurance products are mainly divided into two categories of personal and property, in the past to buy insurance products are business people face to face after the goods to buy insurance products. So in recent years, insurance companies to actively promote the insurance e-commerce, and may be able to online insurance system to provide consumers with an open network platform to provide consumers with convenient information, fast insurance channels and policy changes and other services. This study focuses on the issues that property insurance companies may provide when providing online insurance platform services and the impact of changes in business sales patterns on insurers. Through the case study method to understand the insurance company has no experience in e-commerce business, the traditional sales model by e-commerce sales, business sales process changes brought about by the impact. 1. Service quality. 2. Website design. 3. Marketing strategy. The study found that the impact of the case insurance company’s online insurance platform for the sale of goods has two points: 1.Lack of support for business staff. 2.Commodity portfolio without segregation. Affect the consumer will have two points: 1.Online insurance platform interaction is insufficient 2.Web process design cumbersome. Through the analysis and found that the support of sales staff and the satisfaction of the insurance platform has a positive impact, but also because the business staff from the insurance platform does not support. Through the application of the theory of literature, the paper puts forward some suggestions on how to improve the proposal and strengthen the quality of the case. It can provide practical and academic contribution to the case management system and future related research.
22
NEMETH, Kristin. "European insurance law : a single insurance market?" Doctoral thesis, 2000. http://hdl.handle.net/1814/5667.
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23
Hsu, Yung-Chih, e 徐詠智. "The Boundary between Contingency Insurance and Indemnity Insurance - Focusing on the Medical Insurance-". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/51511976402478894575.
Texto completo da fonteResumo:
碩士銘傳大學
法律學系碩士班
99
In Taiwan, insurance law and insurance related practices in court are classified by property insurance/life insurance. There are merits of this classification method, however, it also creates confusion between rights and obligations in law. For example, both theoretically and practically exists arguments about whether or not one can double insure in life insurance. Also Constitutional Interpretation (CI) 576 has deep discussion about this confusion. To resolve this confusion, new scholars advocate using contingency insurance and indemnity insurance to classify. With this classification, we can make certain that if indemnity rule is suitable for all sorts of insurance agreements. Yet there are still grey areas lying between indemnity insurance and contingency insurance. When it comes to medical insurance, whether or not contingency type of medical insurance belongs to contingency insurance? Or is it also possible to classify it as indemnity insurance? Moreover, in practical issues of commercial insurance, there is a medical insurance contract that allows one to choose the better paying methods between Contingency Insurance and Indemnity Insurance. How to define this type of insurance contract is a big problem. As a result, the purpose of this thesis is to discuss the boundaries between indemnity insurance and contingency insurance, based upon medical insurance. At last, the thesis discuss whether or not all types of insurance have suitable double insurance and the prinicple of subrogation, to make certain the appropriate relationship between rights and obligations in practical applications of all kinds of insurance.
24
Liao, Wei-Chung, e 廖維中. "A Study on Liability Insurance-Focusing on Employer Liability Insurance and Public Liability Insurance". Thesis, 2013. http://ndltd.ncl.edu.tw/handle/47333698140386826441.
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25
CHEN, YU-KAI, e 陳又楷. "Comparison of Commercial Long-Term Care Insurance, Specific Injury Insurance and Disability Care Insurance". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/kq4uhy.
Texto completo da fonteResumo:
碩士逢甲大學
金融碩士在職學位學程
106
It is transforming from an ageing society to a super-aging society in our country. In order to manage the issue of elderly safety, apart from the basic social welfare provided by government, the nationals should have their own preparations earlier for their elderly life. Therefore, how commercial insurance should satisfy the needs of the future society is a worthy topic for discussion. This study is based on the comparison of three types of long-term care insurance, including commercial long-term care insurance, specific injury insurance, and disability care insurance by analyzing relative literature documents with comparative research methods to research the similarities and differences among these three types of long-term care insurance and make suggestions for management. The outcomes of study are as follows: The first one, in terms of insurance premium rates, the age of male from 15 to 33 can invest long-term care insurance at lowest price, but others have lowest price for disability care insurance. While female have lowest price for investing disability care insurance. The second one is as for channels of selling. The agent of insurance company mainly sells the disability care insurance claimed for deceased, and the agent of bank insurance and insurance business sell the disability care insurance claimed when alive. Thirdly, the conditions in line with indemnification of all commercial long-term care insurances include nine specific injuries and ten conditions, i.e. the one suffered from vegetative state in the post-stroke apoplexy (severe), whose two or more limbs are disable to take care themselves for daily living in post-stroke apoplexy (severe), coma, severe head trauma, Alzheimer's Disease, Motor Neuron Disease, Multiple Sclerosis, Paralysis (Severe) to two or more Joints of two upper limbs, Parkinson's Disease, and Severe Rheumatoid arthritis. From the conclusion of research, we can find that lots of items or conditions for indemnification are the same in these three types insurances. If the advantages of each insurance can be synthesized to design another three different kinds with unique features but no overlapping insurance products, then the insurance company can reduce costs on repetitive indemnification and consumers can purchase better products as well. Moreover, because of the simplification of commodities, we can reduce the cost of training and eliminate consumer's hesitation for marketing and selling easier. At the same time, it would be easily to import automating AI systems for claiming , improve services, and increase market competitiveness effectively.
26
HSIEH, YI-LING, e 謝依齡. "Development of Insurance Suggestion Models and Insurance Robot System based on Customer Insurance Gap". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/92r532.
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碩士國立高雄應用科技大學
金融系金融資訊碩士班
106
Faced with the rapid rise of fintech, Financial and IT companies have accelerated investment into driving fintech innovations, looking forward to optimize existing business models and service models, or develop innovative technologies to subvert the existing financial business model under the wave of fintech. The fintech that Taiwan actively promotes and develops mainly consists of 5 parts: Big Data, Artificial Intelligence(AI), Robo-Advisor, Biometrics, and Blockchain. However, the current Robo-Advisor only invests in funds and does not completely cover the planning scope of financial products, especially the personal insurance product planning section. This research built an Insurance Robo-Advisor in the spirit of Robo-Advisor. Hoping that insurance demanders can interact with the system, starting from demander’s insurance gap, to find out the cheapest insurance suggestion that can make up for the demander’s insurance gap. For this reason, this research develops different insurance suggestion models. We started with making up for the seven major insurance gaps by insurance products provided by different insurance companies, and then, sequentially considered different insurance suggestion models such as insurance principal contract and attached contract synchronous planning, budget limitation, importance of insurance demanders gap, and individual insurance contract features. In order to prove that the insurance suggestion model could indeed be implemented in the system, we developed an “Insurance Robo-Advisor” system based on the insurance suggestion model, and completed the insurance demand analysis and finally provided the best insurance suggestion products in sequence. Finally, we discussed what kind of extended application features might be necessary in the self-service insurance suggestion system. Insurance suggestion business models can then be developed based on this research.
27
Lin, Fang Mei, e 林芳梅. "Investment-Linked Insurance and Financial Performance：Evidence From Taiwan Life Insurances Industry". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/57401664466378611483.
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碩士僑光科技大學
財務金融研究所
102
The paper aims to investigate the relationship between investment-linked insurance and firm performance using the panel data from 2008 to 2012 of life insurers in Taiwan. This result indicated that investment-linked insurance business is positively related to life insurers. In others words, the higher the level of investment-linked insurance business, the better the company’s financial performance. This also shows that Taiwan’s life market to support investment-linked insurance. In addition, the results also indicated that large life insurers can increase the financial performance when the company expanded investment-linked insurance business.
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Lin, Liang-Chun, e 林亮君. "The Derivatives of Insurance Policies：Life Insurance for Pension". Thesis, 2012. http://ndltd.ncl.edu.tw/handle/5p7zxr.
Texto completo da fonteResumo:
碩士東海大學
財務金融學系碩士在職專班
100
As the advances in medicine and technology, the people must face the problem of retirement urgently in the future with demographic changes. The signal of global recession had been caused by the debt issues in Europe recently. The developed countries in the United States, Japan and Euro countries are faced with an aging population, low fertility, and payment of a huge old-age pension which account for a very high proportion of GDP and result in heavy national financial burden. Looking into the long term policy, the government of Taiwan finds programs to develop policy options, the first one: "the Housing Endowment" is “Reverse Mortgage” of real estate, for the single elders over 65 years old who have owned real estate without heirs. The first opening regions are Taipei City, New Taipei City, Kaohsiung City and as well as actively seeking of Taichung City , all these are published beginning in July 2012 and expected target hundred. Of course, the policy will be laudable for a good intention of the government, but after the implementation of Reverse Mortgage it will face many in problems to adjust and solve. If there are other programs available to the government incorporated into consideration, then for example the pension fund, the stocks for pension, the insurance annuity…and so on. The study is the development of new financial tool, the derivatives of insurance policies, for using the whole life policy to provide for the old-age pension. As we know, insurance is a mutual help which can self-help and also help people. If it will give the family safety when the period of life responsibility and then will pay monthly for retirement life by discounted whole life policy. This is a concept from Reverse Mortgage, Life Settlement and Securitization of Insurance that the new financial proposal will be according to the development of domestic insurance for Taiwanese. All of this will wish to provide the government an alternative program and to give the players in multi-wins situation.
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Chen, Yan-Yu, e 陳妍妤. "A Study on Other Insurance of Marine Insurance". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/39397496151353137485.
Texto completo da fonteResumo:
碩士國立高雄海洋科技大學
航運管理研究所
103
The risks of the cargo in transit could not be predicted in international trade. For buyers and sellers are involved in different cargo risk transfer. Therefore, considering different risks and different types of insurance policies when purchasing insurance can lead to insurance policies be prone to overlap. This study based on marine insurance and other insurance on the basis of principle of indemnity, in connecting the gap during may produce the insurance among different insurance policy in the continuous insurance coursing. Besides, proposed that may occur other insurance problems and examined the effects were caused by other insurance and claim problem during the overlap period for insurance problems in the marine insurance context. Furthermore, this study analyzed the various stages of the court content of the Supreme Court Verdict No. 379 in 2005. This study compared with other insurance, double insurance and defined the other insurance as the same insurance events that occur during the same insurance period and liability for the same loss is not exactly the same insurance interest with two or more of insurance contracts. In those elements of other insurance, first, two or more insurance contracts are effective and happen in the same or overlapping period of insurance. Second, caused by the insurance contract between the different insurance indemnity claims repeat after the same insurance events occur. Lastly, insurance interest between the different insurance contracts are not the same. The "other insurance" in term to be standardized in some insurance policies, but there is no complete description in the insurance law. Thus, this paper would like to suggest that furthers to amend the Insurance Law and it should have independent insurance legislation, define the laws, regulations and standards applicable to other insurance in order to clarify the difference between the double insurance and other insurance to reduce insurance claims disputes.
30
賴靜美. "Demand for Insurance and Selection of Insurance Strategy". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/30096500046335772796.
Texto completo da fonteResumo:
博士逢甲大學
商學博士學位學程
104
This paper discussed the self-condition of the individual and corporate to insurance demand. First, we analyzed what kind of self-condition of the individual (such as age, gender and policy period) purchased the investment-oriented insurance appropriately. Secondly, we analyzed what the self-condition of corporate (such as corporate life cycle and corporate governance) would choose to purchase the directors’ and officers’ liability insurance. Therefore, under the individuals and corporate, we divided into the following two topics were discussed. The first topic is examined by simulation the different consumers how to choose the investment-oriented insurance (referred to IOI) or buy-term-and-invest-the difference (referred to BTID) strategies in their own conditions for financial needs. The results of simulation have shown that IOI strategy should be employed when the consumers with higher insurance age and longer policy period, and furthermore, consumers of purchasing investment-oriented insurance products should choose policies with lower loading expense, lower insurance cost or higher ratio of insured amount to premium. In addition, BTID strategy should be used when the insurance age is younger, the insurance period is shorter or insured amount to premium ratio is lower. The second topic is examined the effects of the corporate life cycle on directors’ and officers’ liability insurance (referred to D&O insurance). On the basis of the empirical analysis, we first determine that corporate life cycle influences companies’ decisions to purchase D&O insurance and that it determines the amount of insurance that companies purchase. Moreover, corporate governance at different life cycle stages has various degrees of impact on D&O insurance demand and the amount of insurance purchased.
31
Wu, Sai-Nan, e 吳賽男. "Co-insurance Group Formation Mechanism for P2P insurance". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/458894.
Texto completo da fonteResumo:
碩士國立交通大學
資訊管理研究所
106
As P2P business model became more popular in the insurance industry, it properly brings out the core function of insurance: risk management in risk-sharing community. Nowadays, P2P insurance platform are prospering through financial technology, but most of them rarely utilize power of social networks to assist insurers to find their co-insurers. In addition, through current online platforms, it is difficult to find suitable co-insurers group without risk considering. In this research, we propose a social-based co-insurers recommendation mechanism through analyzing users’ inclination, posts, background, similarity, and relationship, to further improve the advantage of P2P insurance and reduce the risk in risk-sharing group.
32
Hung, Rong-Chia, e 洪榮家. "Bonding Insurance". Thesis, 1996. http://ndltd.ncl.edu.tw/handle/14114934182930418133.
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33
Assunção, João Manuel dos Santos Marques d'. "Insurance Telematics". Master's thesis, 2015. http://hdl.handle.net/10316/35609.
Texto completo da fonteResumo:
Dissertação de Mestrado em Engenharia Informática apresentada à Faculdade de Ciências e Tecnologia da Universidade de Coimbra.Actualmente, na subscrição de uma nova apólice de seguro automóvel, os factores que influenciam o prémio pago pelo cliente são o capital seguro, ano do veículo, a idade do condutor, anos de carta, sinistros declarados, o local da residência, entre outros. Assim sendo, condutores que tenham estas características semelhantes, pagarão um prémio semelhante, independentemente de conduzirem muito ou pouco e independentemente de conduzirem de forma perigosa ou responsável, já que estes indicadores não entram no cálculo do risco. A solução aqui proposta vem dar resposta a este problema, aplicando a telemática aos seguros, neste caso específico ao seguro automóvel. Isto vem alterar o paradigma actual em que os bons condutores subsidiam os negligentes, já que passa a incluir no cálculo do risco a distância percorrida e a forma como essa distância foi percorrida, ou seja, quem conduz de forma responsável pagará menos. O sistema a implementar será composto por um servidor responsável por processar dados provenientes de um dispositivo instalado no veículo para monitorizar a condução, uma base de dados, um Portal de Cliente e Aplicação para smartphone onde o condutor poderá obter feedback acerca da sua condução e ainda um Portal de Administração, onde a seguradora poderá fazer configurações.
Nowadays, to subscribe for a new auto insurance policy, the factors that influence the premium paid by the customer are the insured sum, year of the vehicle, age of the driver, number of driving experience years, number of claims, home address, among others. Therefore, drivers who have these characteristics in common will pay a similar premium, regardless of how many miles they drive and regardless of driving dangerously or responsibly, as these indicators are not taken into account for risk calculation. The proposed solution addresses this problem by applying telematics to insurance, in this case the auto insurance. This will change the current paradigm in which good drivers subsidize negligent ones, since it includes the distance travelled and how this distance was driven in the risk calculation, so those who drive responsibly will pay less. The system to be implemented will consist of a server to process data received from a telematics device installed in the vehicle to monitor driving behaviour, a database, a customer portal and an application for smartphones which will enable the driver to get feedback on his/her driving skills and an Administration Portal which will enable insurers to configure the system
34
MING, TSAUR TZAY, e 曹再明. "Life Insurance". Thesis, 1993. http://ndltd.ncl.edu.tw/handle/14888175973479965645.
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Chen, Chuan-Chuan, e 陳娟娟. "Internal Transfer of Life Insurance Policy to Investment-Oriented Insurance or Medical Expense Insurance Policy". Thesis, 2006. http://ndltd.ncl.edu.tw/handle/33060046628184991101.
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碩士國立高雄第一科技大學
行銷與流通管理所
94
Abstract The options of the investment oriented plan and life annuity plan products have changed people’s traditional perceptions of life insurance in Taiwan. It also reflects the needs for insurance companies to provide more options of insurance plans to meet individual demands. Consumers not only have the options to purchase life insurance plans, they have also been offered more completed insurance plans by combining investment-oriented and life insurance plans. Moreover, the emerging deficiency of social medical insurance in the oncoming aging of society makes these commercialized insurance plans the complement of the deficiency for consumers. This study aims to explore the impact of some key factors on variation in clients’ changing policy from life insurance plan into investment-oriented plan or enhancing medical expense plan within the same insurance company. Data from a questionnaire survey was used to empirically examine the relationship between the dependent variables (perceived risk, closeness of relationship, change of family life cycle, and experience of reimbursement) and the independent variables (investment-oriented transfer, and enhancing medical expense insurance transfer). The result revealed that closeness of relationship, change of family life cycle, and experience of claim were not affecting the transfer from life insurance plan to investment-oriented plan among clients. However, the factors of perceived risk from the social and psychological aspects showed a significantly negative correlation with the investment-oriented transferring; whereas, the temporal, functional and physical aspects had no significant effects on such a transferring. The perceived risk negatively influences the enhancing medical expense insurance. Consumers are more concerning about the quality of service than the loss of rescission as the increasing options of insurance plans. Consumers have also valued less the bonds of client-agent relationship. These phenomena deserve further research.
36
Kao, Ching-Ju, e 高靜如. "The Study on Other Insurance Application in Employers'' Liability Insurance Under the Engineering Insurance Program". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/13724432354707926753.
Texto completo da fonteResumo:
碩士淡江大學
保險學系保險經營碩士在職專班
98
Along with the increment of the public works and private investments, people gradually pay more attention to the engineering insurance. On the other hand, as the local insurance companies have much experience in claim handling nowadays, it is not difficult to find the suitable arbitrators to deal with some controversial issues as well. However, in view of the complicated manpower involved in one construction site, such as staff, supervisors, and temporary employees hired by principal, primary contractors and secondary contractors and several separate Employers’ Liability covers issued, it is often and easy to arise disputes in case of losses occurred. The existing researches in relation to the engineering construction accidents mainly focus on the statistical analysis of accidental causes, prevention measures for unexpected accidents and the compensation scheme after a claim, few discuss the insurance overlap for Employers’ Liability covers and a tort liability and worker’s compensation involved. That is the motivation to carry out this research. The research firstly analyzes the relevant legal provisions in respect of the relationship between the employers and the employees. Secondly, in terms of the similarities and differences between the Employers’ Liability covers taken by the above-mentioned various contractors and the reimbursements compensated by Labor Insurance, the research further analyzes the other insurance arising out of some controversial issues frequently happened in the local insurance companies based on the relevant legal provisions stipulated in Insurance Law and the Civil Code. Finally, pursuant to some controversial cases indicated, the research points out the legal problems involved and clarifies the related responsibilities to be taken for the subject of the Employers’ liability insurance as well as propose the improvement suggestions.
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HSIEH, CHIH-MING, e 謝志銘. "Study of Construction Workers’ Risk Perception, Insurance Involvement, and Insurance Value Regarding Insurance Purchasing Intention". Thesis, 2019. http://ndltd.ncl.edu.tw/handle/523ygw.
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碩士國立高雄科技大學
營建工程系
107
Based on the statistics from the Ministry of Labor, workers in the construction industry tend to have higher risks of serious occupational injury and suffer more casualties than those in other sectors. Therefore, influences of industrial accidents on construction workers and their families should not be overlooked. The statistics from the Bureau of Labor Insurance for 2017 show that 664,000 construction workers purchased labor insurance, amounting to a coverage rate of 73.7% only. When accidents occur, workers without insurance cannot claim any insurance compensation. If construction workers can purchase appropriate insurance policies in advance, they should be able to reduce personal risks effectively and secure the livelihood of their families. This research adopted the questionnaire survey method for data collection to study influences of construction workers’ risk perception, insurance involvement, and perceived value on insurance purchase intention, and a total of 400 questionnaires were distributed, of which 324 were validly returned. Study of the collected data and verification of hypotheses were carried using various methods including descriptive statistics, independent sample t test, one-way analysis of variance, Pearson correlation, and regression analysis. The results from the research show that construction workers’ risk perception, insurance involvement, and perceived value all correlate with insurance purchase intention positively. In the end, based on the results, recommendations for insurance purchase and further research are proposed.
38
王秀霞. "Life Insurance Company development strategy of offshore insurance unit". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/08774882924766734181.
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39
KU, PEI-YU, e 古珮玉. "Fidelity Bonding Insurance --Analyzing Insurance Policy and Judicial Decision". Thesis, 2006. http://ndltd.ncl.edu.tw/handle/20258996938789364238.
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碩士國立臺北大學
法學系
94
In 1964, the property insurance industry in Taiwan launched the credit bonding insurance, a loyal guarantee service for employers, due to the rising employee dishonest issues. The policy clause and rules of this insurance were revised and renamed as the fidelity bonding insurance in 1986, and then revised again in 2004. This dissertation compares the difference between the insurance articles before and after 2004, in particular on those parts that have caused arguments when insured filed the claim. The conclusions are summarized as below: 1.Loss discovered period, which is under insurer’s coverage, is calculated based on when the loss occurred and when it was noticed. 2.Dishonest behavior should include the behavior of breaching faith. 3.The insurer will not be liable for the loss when it was caused by insured’s infringe on the auditing rules.
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Pan, Wen-Chung, e 潘穩中. "Insurance Fraud Prevention from the Perspective of Insurance Law". Thesis, 2013. http://ndltd.ncl.edu.tw/handle/89904647949592029943.
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碩士國立臺灣大學
法律學研究所
101
Insurance fraud which occurs frequently has been tackled by insurance practice and related regulations. With more observation, they put more efforts to establish the preventive norms, especially on the fraudulent claim after the occurrence of insurance accident. However, there are varieties of insurance fraud which is not limited to the cases mentioned above. Besides, according to Article 29 Section2 at Insurance Law, the insurance contract can survive even though the fraud done by the insured wrecks a havoc on the reliance between the insurer and insured, needless to say the insurer is able to terminate the contract by Insurance Law. Taiwan Insurance Law contains myriads of disadvantages. In lieu of these, it is suggested to adopt with some rule such as clausula rebus sic stantibus, the rule of continuous contract in civil law and regulations on special provisions in Insurance Law. Albeit, there are still insufficient to handle all problems. As to clausula rebus sic stantibus, the conditions of the rule is not so concrete and full of limitation to fulfill its purpose. Take the rule of continuous contract for another example, judges would be reluctant to utilize it because of lack of accurate regulations. Even though we put more hopes on special provisions in Insurance Law, it is still limited to Article 54-1and eventually becomes unavailable on solutions. With the perception of these problems, there is the tremendous amendment in Japanese Insurance Law in 2008, including the addition on fundamental termination regulation to provides with more concrete and instructive solutions to insurance fraud. In a nutshell, the thesis try to provides with legislative suggestion and proposes some drafts with the introduction these development to Taiwan Insurance Law .
41
Chan, Chih-Hsuan, e 詹志萱. "A Study of Electronic Insurance Policy on Insurance Industry". Thesis, 2007. http://ndltd.ncl.edu.tw/handle/57650245498449686573.
Texto completo da fonteResumo:
碩士淡江大學
保險學系保險經營碩士在職專班
95
Information technology is broadly applied in all industries. The main reason is to reduce operation costs by informationlizating. People and paper are the two most components for insurance industry, hence, informationlization is also helpful to reduce the costs or expenses of human resources and operation. However, in the past, network transaction for information insurance didn’t work well. For a better environment for information insurance, reducing operation costs and increasing profits, the Insurance Bureau allows the insurance company to issue electronic insurance policies. The main contexts of this research include: 1.The technology applied in electronic insurance policy. 2.The promotion and regulations of electronic insurance policy in Taiwan insurance industry. 3.The development of electronic document in other countries. 4.The development of electronic insurance in Taiwan insurance industry. Through this research, we conclude that: 1.Insurance companies should educate their employees about electronic commerce and electronic insurance policy, and making an incentive system for promoting electronic insurance policy. 2.Government institutes should link compulsory insurance database, electronic supervisory websites and Police database, by the linkage, insurance companies don’t have to issue the certificate of auto compulsory insurance to the insured any more. 3.Allowing insurance companies may issue the electronic policy for all insurance products, and making the specific regulation for insurance electronic commerce in insurance law.
42
CHANG, KAI-JAY, e 張凱傑. "The Life Insurance Agents' Attitudes toward Customer Insurance Fraud". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/7hf8p7.
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碩士逢甲大學
風險管理與保險學系
106
With higher education standard, people realize that insurance not only compensate loss to danger but also stable development of economy. Compare to past, the willing of buying insurance is higher, so is insurance fraud. Insurance fraud obviously violates the meaning of insurance, increases social cost and causes higher rate so that getting insurance is more difficult to people. This study is based on salesperson and fraud by taking former researches as references. By making questionnaire to Taiwan insurance salespersons and recycling result for data quantify, we understand the attitude toward the customer when fraud happens. Through these data, we subjectively analyze the result and give our point of view for future study.
43
Yang, Tsung Yi, e 楊宗儀. "A Study on the Insurance Effect and Payment Integration of Labor Insurance and National Pension Insurance". Thesis, 2016. http://ndltd.ncl.edu.tw/handle/52590986275782423932.
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Tang, Yu-Chieh, e 湯宇潔. "The Impact of Insurance Abuse to Life Insurance Industry－A Case Study of S Insurance Company". Thesis, 2011. http://ndltd.ncl.edu.tw/handle/72699724545582139370.
Texto completo da fonteResumo:
碩士逢甲大學
經營管理碩士在職專班
99
In recent years, the fraud or abuse of using life insurance has a rapidly increase due to the economic downturn and the rising unemployment. Until the last two years, the trend has shifted from the previous frauds by using of accidental injury, death or handicapped to the new frauds by using of the regulation of " the hospital medical insurance " and " the amount of hospitalization insurance ", extracting insurance by extracting in short-term, by long-residents for minor illness or by frequent-hospitalization-discharged. The increasing ratio of the new abuse has become the major part of the current life insurance fraud today. This thesis intends to identify the risk of medical insurance abuse, moral hazard, adverse-selection and other related factors or characteristics. The study results can provide life insurance industry a reference of claim, risk management, insurance product design, actuarial risk estimates. Besides, they can provide research and development strategy for its repellent to reduce moral hazard and adverse-selection cases, provide specific proposals to improve the industry program, effectively curb the expansion of the insurance fraud. In the last, establish a right awareness concept to improve the industry business and legal objective environment.
45
Mei-Ling, Lin, e 林美泠. "A Study on Employer''s Liability Insurance in Connection with the Supplementary Insurance Programs of Social Insurance and Personal Accident Insurance". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/77709109369434864516.
Texto completo da fonteResumo:
碩士淡江大學
保險學系保險經營碩士在職專班
98
The current state of laws and regulations for the occupational accidents attributed to employer’s liability are various and complicated. The legal liability assumed by the employers is mainly based on the Civil Law and Labor Standards Act. In Taiwan, an injured worker can be compensated by a dual system of labor insurance and employer’s liability.This study, from the employers’ standpoints, analyzes the coverage, exclusions, various endorsements and limits of liability of employer’s liability Insurance, as well as compares the differences of those items above applicable in four countries, i.e. Taiwan, America, Japan and China. In addition, this study also analyzes the employers’ responsibilities in respect of the Civil Law, Labor Standards Act and Labor Insurance Act, and further clarifies the conflicts whether the indemnification of labor insurance and personal accident insurance can fully cover the employer’s responsibilities. We find that employer’s liability Insurance is the most important risk transfer vehicle for the enterprises.In response to the changing world nowadays, the conclusions of this study also suggests that it is necessary to further amend some controversial points, such as the insurance coverage, exclusions and the related clauses of employer’s liability insurance policy. The local non-life insurance companies might refer to the insurance policies issued by other advanced countries in order to provide the employers with a more suitable policy of the employer’s liability insurance, which not only makes up with the employer’s liability risks, but also reduces the labor disputes. Moreover, it is of assistance to the non-life insurers to expand the new business opportunities.
46
YI, CHAN HSIN, e 詹鑫毅. "The Study of the Effect of National Pension, Labor Insurance Annuity on Savings Insurance of Insurance Industry – A Case Study of C Insurance Industry". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/02148210134580374217.
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碩士朝陽科技大學
保險金融管理系
102
Because level of living medical treatment technique promote continuously, it makes people’s life expectance unceasingly to lengthen and old-age population to increase constantly. The ageing phenomenon also grows many social security issues such as retiring funds and health cares. The purposes of this study, therefore, is to propose a research that investigates the relation between perceived factors that can understand policyholders of insurance company purchase intention of business savings insurance for their retirement plans. This study integrates Ajzen & Fishbein Theory of Planned Behavior (TPB) (include: attitude, subjective norm, perceived behavioral control, and purchase intention), perceived value, and perceived risk to understand the purchase intention of the policyholders of the retiring preparation.
47
Lin, Yi-Chun, e 林怡君. "The Differences of Auto Insurance Underwriting Risk Perception between Insurance Salesman and Internal Auditing–Chung Kuo Insurance". Thesis, 2013. http://ndltd.ncl.edu.tw/handle/12266703940891888521.
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碩士朝陽科技大學
保險金融管理系碩士班
101
Automobile insurance is the main service of each insurance company It is the most competitive business among all of the services.Usually, the insurance company sells automobile insurance as the first step to open up its business opportunities for other services.However,there is a contradictory relation between the auditing and the business sectors inside the insurance company.For example, the sales of the business sector are impeded by the regulation of the auditing sector, or the service efficiency of the business sector is affected by the complicated procedure of the auditing sector. The decision-making of the auditing sector is affected by three factors which are technical, business and financial. For the insurance company, the procedure of the auditing means the process of the risk screening. The purpose of the risk screening is to terminate how much risk the insurance company would be able to undertake. Also, the huge lost of the insurance company is cost by the frequent misevaluation of the risk screening. Therefore, there are two things that the insurance company has to deal with. One is to reduce the compensation frequency; the other is to select the customers with the good qualities. However, the correlation is much higher between the first-line auditing and the insurance company’s cost and profit. Usually, the first-line auditing is affected by the underwriting risk evaluation of both the salespersons and the auditors. The evaluation result relays on their profession and experience. Due to this component, both the profession and the experience of the salespeople and auditors are more important than the technical, financial and business factors. According to this research, the human factor plays the important role in the perception of the underwriting risk. This factor indicates that the lowest lost could be manageable with the minimum cost while efficiently utilizing all the useable resources and the knowledge of the risk analysis and the measurement. Therefore, it should be concerned on the perception of both the insurance auditors and the salespersons for the underwriting risk of the automobile insurance.
48
Hsieh, Ching-huang, e 謝慶皇. "Non-life insurance agent in the management of banking insurance". Thesis, 2007. http://ndltd.ncl.edu.tw/handle/46997651444655188019.
Texto completo da fonteResumo:
碩士逢甲大學
經營管理碩士在職專班
95
Due to the growing trend towards free marketing and internationalizing in Taiwan’s finance operation, the finance related businesses, including banking, insurance, stocks and bonds, investment and so on, all ran into difficulty in recent years. Besides, the trend for joint venture in finance operation also challenged these finance businesses as well. The study investigated banking insurance channels of property insurance agencies and brokers by doing paper research, data analysis, and interview. The study found that: 1. In a finance group, how the insurance agencies and brokers were put depended mainly on the supportive attitude of the key man. 2. The company that provided a higher commission to its business partners didn’t guarantee its better prospects of promotion. 3. The management of the property insurance agencies and brokers should not only maintain the core competition strength, but also equip with the competence for resource integration. 4. Combine with of the banking and insurance brand also industial culture will provide a unique sales differentiation that increases sales revenues for income. In addition, the study also suggested that property insurance agencies and brokers might expand the channels to overseas areas and establish their customers’ databases to attain the greatest management effectiveness via second marketing and cross-selling.
49
Yen, Hung-Ching, e 顏虹菁. "A study of Insurance Agents and Brokers Professional Liability Insurance". Thesis, 2003. http://ndltd.ncl.edu.tw/handle/74594329152027964427.
Texto completo da fonteResumo:
碩士淡江大學
保險學系保險經營碩士班
91
In recent years, insurance agents’ and brokers’ professional liability exposures have increased over the past several decades. One significant change came in how agents and brokers began representing themselves to the public. Many of them held themselves out to be "insurance counselors," "risk managers," "professionals," etc. However, professionalism is a double-edged sword. While it is true that greater services provide professional and personal rewards, E&O claim risk to an insurance agent or broker can increase because of those services. An insurance agent or broke has a duty to the insured and the insurer. The duty to the insured consists of using due care and diligence and of acting in good faith. An insurance agent''s duty to the insurer is to act in accordance with his agency contract. Insurance agents and brokers professional liability insurance protects an insurance agent or broker against claims made against him by reason of negligent acts, errors or omissions on the part of the insured and his employees in the conduct of their business of insurance agents or insurance brokers. This study is intended to be a guide to insurance agents and brokers for evaluating professional liability exposure. Secondly, this article aims at studying the latest development and future trend of insurance marketing in Taiwan by referencing the characteristics and strength in other countries, such as the United States, England, Japan, European Communities and Mainland China. Finally, this study provides a comparative analysis of the different forms of professional liability coverage designed specifically for the insurance agent and broker. Considerations such as qualifications of insurance carriers and review of applicability of coverage to the needs of the insurance agent and broker are discussed relative to coverage selection.
50
HUNG, CHIEN-WEN, e 洪健文. "Research of Insurance Crime-Focusing on National Health Insurance Fraud". Thesis, 2017. http://ndltd.ncl.edu.tw/handle/892fuj.
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