臺灣博碩士論文加值系統

　　由於較高的經濟與社會通貨膨脹，以及索賠頻率的增加，許多責任險的損失趨勢顯著增加。因此保險業引進索賠制保險以減少長尾責任的定價風險。在本研究中，我們將深入探討索賠制概念：它是如何不同於傳統的事故發生制保險，透過例子說明其特色，及提供更多定價風險如何被降低的細節。最後，我們提出了一種釐訂索賠制保單費率的方法和提供在簡單的假設下的例子來說明這種方法。

　　Due to high economic and social inflation, as well as increases in claim frequency, loss trends for many liability lines increased dramatically. The industry introduced claims-made coverage to reduce the pricing risk inherent in long-tailed liability. In this study we describe in depth the claims-made concept itself: how it differs from traditional occurrence coverage, what its special features are illustrated by examples and provide more detail as to how pricing risk is reduced. Finally, we propose an approach for rating claims-made coverage and provide examples to illustrate the approach under simple assumptions.