終身癌症保險之評價

The Valuation of Lifetime Cancer Insurance Policies

本文利用健保資料庫估計癌症發生率、持續治療率與醫療費用，並以理論模型評估終身癌症保險的保費。研究結果發現，癌症發生率逐年增加且30 歲以下族群之增幅較大，持續治療率逐年提高，癌症醫療費用隨年紀增長而上升，使保險成本逐年提高。同時發現於1998 至2003 年間男性癌症保險成本六年增加60%，女性癌症保險成本六年上升35%。

To address the valuation of lifetime cancer insurance policies, this article provides an analytical solution for the fair premium. The premium increase is a result of a continuous increase in the incidence of cancer, especially in the younger generation. The continued treatment rate and the medical cost increases with age. From 1998 to 2003, the maximum difference premium cost reached nearly 60 percent for males and 35 percent for females.