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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 会計ファイナンス学科 職種 教授 |
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| 発表年月日 | 2022/07/26 |
| 発表テーマ | Does Health Promotion Medical Insurance Improve the Business Value of an Insurer? An Analysis of the Japanese Market |
| 会議名 | Asia-Pacific Risk and Insurance Association 2022 Annual Conference |
| 主催者 | Asia-Pacific Risk and Insurance Association, Shanghai University of Finance and Economics |
| 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 | 中華人民共和国|中国 |
| 開催地名 | 上海 |
| 開催期間 | 2022/07/24～2022/07/26 |
| 発表者・共同発表者 | 諏澤吉彦・永井克彦 |
| 概要 | This study assessed whether health promotion medical insurance underwriting improves an insurer’s business value. Under this insurance arrangement, insurers offer a reward such as a premium discount to individuals who accomplish the designated level of health indicators to incentivize the insured to be healthy, and expect a decrease in claims payments and an increase in business value. To confirm this expectation, we focused on the number of walking steps and exercise time (aerobic and fat-burning exercises) and estimated whether an improvement in these exercise habits decreases claims payments and results in a value improvement for an insurer using the Monte Carlo simulation method. The estimation results showed that claim payments were visibly reduced, especially after an increase in walking steps. The business value was, however, undermined when the insurer sets the refund rate at 100%, and therefore, only limited premium discounts can be applied to most insured individuals. |