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題名 Mortality Differential and Social Insurance: A Case Study in Taiwan
作者 余清祥
Yu, Jack C.
張智凱
Chang, Chih-Kai
陳妍彣
Chen, Yen-Wen
Chen, Chian-Jing
貢獻者 統計系
日期 2019-12
上傳時間 30-Jul-2020 14:33:26 (UTC+8)
摘要 The mortality differential is important information for planning social insurance programs, such as health insurance and public pensions. It can be used to evaluate whether certain areas need more medical facilities and traffic infrastructure. The ignorance of mortality differentials can result in adverse selection and problems of pricing and liability. In this study, we use mortality models to estimate the mortality differentials of two social pension plans in Taiwan, National Pension Insurance (NPI) and Farmer Health Insurance (FHI), which account for more than one-third of the population of Taiwan (about 9 million). We compare the mortality profiles of the two pension groups in terms of economic status and geographic region. Empirical study leads to several policy implications, such as the feasibility of unifying the FHI and NPI systems, reallocating more premium subsidy according to mortality difference and corresponding annuity cost, and the antiselection effect in suburban areas with lower annuity costs and lower willingness to pay premiums.
關聯 North American Actuarial Journal, pp.1-11
資料類型 article
DOI https://doi.org/10.1080/10920277.2019.1651660
dc.contributor 統計系
dc.creator (作者) 余清祥
dc.creator (作者) Yu, Jack C.
dc.creator (作者) 張智凱
dc.creator (作者) Chang, Chih-Kai
dc.creator (作者) 陳妍彣
dc.creator (作者) Chen, Yen-Wen
dc.creator (作者) Chen, Chian-Jing
dc.date (日期) 2019-12
dc.date.accessioned 30-Jul-2020 14:33:26 (UTC+8)-
dc.date.available 30-Jul-2020 14:33:26 (UTC+8)-
dc.date.issued (上傳時間) 30-Jul-2020 14:33:26 (UTC+8)-
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/130834-
dc.description.abstract (摘要) The mortality differential is important information for planning social insurance programs, such as health insurance and public pensions. It can be used to evaluate whether certain areas need more medical facilities and traffic infrastructure. The ignorance of mortality differentials can result in adverse selection and problems of pricing and liability. In this study, we use mortality models to estimate the mortality differentials of two social pension plans in Taiwan, National Pension Insurance (NPI) and Farmer Health Insurance (FHI), which account for more than one-third of the population of Taiwan (about 9 million). We compare the mortality profiles of the two pension groups in terms of economic status and geographic region. Empirical study leads to several policy implications, such as the feasibility of unifying the FHI and NPI systems, reallocating more premium subsidy according to mortality difference and corresponding annuity cost, and the antiselection effect in suburban areas with lower annuity costs and lower willingness to pay premiums.
dc.format.extent 1090774 bytes-
dc.format.mimetype application/pdf-
dc.relation (關聯) North American Actuarial Journal, pp.1-11
dc.title (題名) Mortality Differential and Social Insurance: A Case Study in Taiwan
dc.type (資料類型) article
dc.identifier.doi (DOI) 10.1080/10920277.2019.1651660
dc.doi.uri (DOI) https://doi.org/10.1080/10920277.2019.1651660