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スザワ ヨシヒコ
SUZAWA YOSHIHIKO
諏澤 吉彦 所属 京都産業大学 経営学部 マネジメント学科 職種 教授 |
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| 発表年月日 | 2021/07/27 |
| 発表テーマ | Financial Impact of Health Promotion Medical Insurance on Economic Solvency Ratio |
| 会議名 | Asia-Pacific Risk and Insurance Association 2021 Annual Conference |
| 主催者 | Asia-Pacific Risk and Insurance Association |
| 学会区分 | 国際学会 |
| 発表形式 | 口頭（一般） |
| 単独共同区分 | 共同 |
| 国名 | イスラエル |
| 開催地名 | Jerusalem (Online Virtual) |
| 開催期間 | 2021/07/25～2021/07/28 |
| 発表者・共同発表者 | Yoshihiko Suzawa
Takashi Tanaka Katsuhiko Nagai |
| 概要 | The study aims to test whether the provision of health promotion medical insurance will decrease the insurance claims payments and enforce the solvency of an insurer. Analysis is conducted via Monte Carlo simulation based on the ICS’s economic solvency ratio by utilizing data from Japanese corporate medical insurance. We estimate how the amount of claims changes along with the improvement of Health Age® used by life insurers in the Japanese market. The results reveal that providing health promotion medical insurance will improve the solvency regardless of targeted age or gender categories of insureds, enables the insurer to offer a limited, but a moderate amount of economic incentive, e.g. premiums discounts for insurerds to improve their Health Age®. In addition, an active underwriting of this insurance will also facilitate the sustainable health care system of the society. |