運動強度與全因性死亡率之統合性分析──外溢型保險商品訂價

Meta Analysis of Physical Activity Intensity and All-Cause Mortality: Pricing of Wellness Incentive Insurance Policy

研究目的：近年保險公司推出外溢型保單，被保險人達到預定的運動目標，可獲得保費折扣或額外給付優惠。而目前保險公司並沒有一個科學或明確的方式計算保戶因運動帶來死亡率改善的效果。
研究方法／方法：提出通過統合性分析的方法，在實務面改善此問題。本文收集50篇動強度與死亡率關聯的文獻。根據受試者的運動強度，按代謝當量將資料分為低、中和高三個水平。
研究結果：經統合分析發現，與低強度運動組相比，中強度運動組的死亡率降低39%；而高強度運動組的死亡率更降低了47%。
研究限制／啟發：運動帶來死亡率和保費的下降，是非常驚人的。
理論／實務／社會意涵：本文設計不同運動等級對應的外溢型保單回饋方案，計算外溢保單回饋的金額。從而提供此方法給保險公司做為外溢保單定價的參考。
創見／價值：本文值得保險產業使用來進行外溢型保單的定價。

Purpose–In recent years, insurance companies have introduced spillover-type policies, offering premium discounts or additional benefits to insured individuals who achieve predetermined exercise goals. However, there is currently no scientific or clear method for insurers to calculate the impact of exercise on reducing mortality rates for policyholders.
Design/methodology/approach–This study addresses this issue by applying a meta-analysis approach. A total of 50 studies examining the relationship between exercise intensity and mortality rates were reviewed. Based on the subjects’exercise intensity, the data were categorized into three levels—low, moderate, and high—using metabolic equivalent (MET) as the benchmark.
Findings–The meta-analysis revealed that compared to the low-intensity exercise group, the mortality rate decreased by 39% in the moderate-intensity group and by 47% in the high-intensity group.
Research limitations/implications–The reduction in mortality rates and insurance premiums due to exercise is remarkable.
Practical implications/Social implications–This study proposes a spillover-type policy feedback plan corresponding to different levels of exercise and calculates the amount of feedback for such policies. This approach provides insurance companies with a reference framework for pricing spillover-type policies.
Originality/value–This study offers valuable insights for the insurance industry in pricing spillover-type policies.