209 /342
209
臺大管理論叢
2017/5
第
27
卷第
2S
期
209-244
DOI:10.6226/NTUMR.2017.FEB.RM104-010
終身癌症保險之評價
The Valuation of Lifetime Cancer Insurance Policies
摘 要
本文利用健保資料庫估計癌症發生率、持續治療率與醫療費用，並以理論模型評估終
身癌症保險的保費。研究結果發現，癌症發生率逐年增加且
30
歲以下族群之增幅較大，
持續治療率逐年提高，癌症醫療費用隨年紀增長而上升，使保險成本逐年提高。同時
發現於
1998
至
2003
年間男性癌症保險成本六年增加
60%
，女性癌症保險成本六年上
升
35%
。
【關鍵字】
癌症保險、全民健康保險研究資料庫、醫療成本
Abstract
To address the valuation of lifetime cancer insurance policies, this article provides an
analytical solution for the fair premium. The premium increase is a result of a continuous
increase in the incidence of cancer, especially in the younger generation. The continued
treatment rate and the medical cost increases with age. From 1998 to 2003, the maximum
difference premium cost reached nearly 60 percent for males and 35 percent for females.
【
Keywords
】
cancer insurance, National Health Insurance Research Database, medical cost
黃泓智
/
國立政治大學風險管理與保險學系教授
Hong-Chih Haung
, Professor, Department of Risk Management and Insurance, National Chengchi
University
楊尚穎
/
東海大學財務金融系助理教授
Shang-Yin Yang
, Assistant Professor, Department of Finance, Tunghai University
王敏琪
/
南山人壽商品部專員
Mng-Chi Wang
, Specialist, Product Development, Nan Shan Life Insurance
Received, 2015/10, Final revision received 2017/2