نوع مقاله : مقاله پژوهشی
1 استادیار، گروه اقتصاد، دانشکده علوم اجتماعی و اقتصادی ، دانشگاه الزهرا، تهران
2 دانشیار، گروه اقتصاد، دانشکده علوم اجتماعی و اقتصادی ، دانشگاه الزهرا، تهران
3 استادیار، پژوهشکده بیمه (وابسته به بیمه مرکزی ج.ا.ا)، تهران
4 کارشناسی ارشد اقتصاد، دانشگاه الزهرا، تهران،
عنوان مقاله [English]
Considering the position of supplementary health insurance in the insurance industry, it is important to address the problem of adverse selection as one of the effective factors for increasing the loss ratio in this industry. In this paper, the correlation model between individuals' risk appetite under the indemnity amount and coverage amount, insurance specifications, and insureds' demographic characteristics was used to identify potential variations and risk components that influence this phenomenon. The data used were taken from the 2019 group insured information of a selected insurance company. Due to the nature of the data, the Tobit regression method was used to estimate the model. The results show that the signs of the coefficients of the variables included in the model are as expected and statistically significant. In other words, the effective variables that determine to some extent the level of risk of the insured are directly related to the level of costs. Therefore, it is necessary to identify the components that influence the occurrence or increase of medical costs and take them into account when setting the premium rate.
JEL Classification: I13, D82, C34.