암보험 보험금 지급에 영향을 미치는 보험계약 특성에 관한 연구

초록

The purpose of this study is to analyze the characteristics of independent variables, which influence the occurrence rate of cancer diagnosis, using actual policies data and insurance claims data. This paper also focused on whether cancer product has moderating effects on occurrence rate of cancer diagnosis compared with other insurance products. The result of logistic analysis shows that independent variables such as gender, age, company class, sales channel and product type influence the occurrence rate of cancer diagnosis. The result of hierarchical logistic model to analyze moderating effects of cancer product shows that cancer product has positive moderating effects on the independent variables such as age and sales channel, negative moderating effects on company class, but no moderating effect on gender. According to these results, insurance companies which want to provide cancer diagnostic coverages may consider sales channel and product type as pricing components or differentiate risk underwriting standards depending on product type.

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