產險意外保險附加費用率
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DATE2017/9/12 下午 1:32:17
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[心得] 壽險公司意外險保費分析 - 看板 Insurance - 批踢踢實業坊
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https://www.ptt.cc/bbs/Insurance/M.1410034001.A.FC4.html
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2014附加費用率59%
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2014年已發生賠款NT$7,243,555,580
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2014年滿期保費NT$17,636,123,908
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假設附加費用率8%
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已發生賠款NT$7,243,555,580
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保費NT$7,823,040,026
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差額NT$9,813,083,882
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事故傷害死亡率(十萬人)32.8
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事故死亡率0.0328%
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一人保費500
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參加人數5000
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總保費NT$2,500,000
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費用率10%50%
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賠款人數1.641.64
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單人理賠金額NT$1,371,951NT$762,195
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資料源最近三年產險市場意外保險賠款率統計- (曆年制) | 政府資料開放平臺
http://data.gov.tw/node/24321
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年度、滿期保費、已發生賠款、產險意外保險賠款率(%)
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²£ÀI·N¥~«OÀI½ß´Ú²v¢H
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2016NT$17,636,123,908.00NT$7,243,555,580.0041.0722
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2015NT$16,385,915,427.00NT$8,039,367,660.0049.0626
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2014NT$15,821,577,764.00NT$6,045,363,670.0038.2096
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資料源
歷年主要死因標準化死亡率
https://sheethub.com/data.gov.tw/%E6%AD%B7%E5%B9%B4%E4%B8%BB%E8%A6%81%E6%AD%BB%E5%9B%A0%E6%A8%99%E6%BA%96%E5%8C%96%E6%AD%BB%E4%BA%A1%E7%8E%87#detail
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by year"所有死因All causes of death(每十萬人)
惡性腫瘤Malignant neoplasms(每十萬人)
心臟疾病(高血壓性疾病除外)Diseases of heart (except hypertensive diseases)(每十萬人)
腦血管疾病Cerebrovascular diseases(每十萬人)
肺炎Pneumonia(每十萬人)
事故傷害Accidents and adverse effects(每十萬人)
糖尿病Diabetes mellitus(每十萬人)
慢性下呼吸道疾病Chronic lower respiratory diseases(每十萬人)
慢性肝病及肝硬化Chronic liver disease and cirrhosis(每十萬人)
高血壓性疾病Hypertensive diseases(每十萬人)
自殺Intentional self-harm (suicide)(每十萬人)
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2002654.2182.156.157.92551.634.630.728.28.217.2
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2003645.6179.756.456.82749.838.929.229.17.617.2
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2004649.7182.360.155.528.151.333.729.129.3718.3
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2005657.9181.358.657.927.3503928.830.57.222.9
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2006621.1179.553.853.924.847.234.525.526.66.623.4
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2007613.4184.753.453264135.523.926.86.519.7
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2008608.6174.463.54235.939.927.425.325.111.920.8
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2009586.6171.659.140.332.740.327.222.62412.520.3
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2010576.2171.359.637.633.335.826.122.523.713.118.8
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2011590.6173.760.739.132.535.528.124.824.714.516.9
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2012573.1170.461.138.331.834.92825.523.314.317
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2013556.6169.461.23830.132.827.523.222.414.116.3
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資料源102年70歲以下人口主要死亡原因之潛在生命年數損失(PYLL)-依主要死因別分 | 政府資料開放平臺 http://data.gov.tw/node/14444
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依主要死因別分
by cause of death

Male
(損失年數/每10萬人 )

Female
(損失年數/每10萬人 )
總計
Both
(損失年數/每10萬人 )
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惡性腫瘤
Malignant neoplasms
1511.2858.61180.7
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心臟疾病(高血壓性疾病除外)
Diseases of heart (except hypertensive diseases)
472.1135.8302.3
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腦血管疾病
Cerebrovascular diseases
223.990.6156.3
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肺炎
Pneumonia
100.133.466.4
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糖尿病
Diabetes mellitus
164.467.1115.2
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事故傷害
Accidents and adverse effects
685.5220.4454.9
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慢性下呼吸道疾病
Chronic lower respiratory diseases
42.414.328.1
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高血壓性疾病
Hypertensive diseases
68.322.244.9
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慢性肝病及肝硬化
Chronic liver disease and cirrhosis
396.954.8224.3
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腎炎、腎病症候群及腎病變
nephritis, nephrotic syndrome and nephrosis
56.836.246.4
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自殺
Intentional self-harm (suicide)
358.6177.5267.9
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敗血症
Septicemia
64.526.945.4
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