A Studies On Causes And Control Of Moral Hazards In Life Insurance

It is generally stored in every industry of moral hazard, but the danger to the insurance is the largest. Besides influencing economy, even cause the crime event. Therefore western various countries invest much manpower, material resources study. Of our country insurance development start relatively late, respect this research relative to lag behind. But no matter whose research, direction that study to make a self-criticism afterwards, have research that take preventive measures in advance seldom.This research is through the idea of the production QC procedure to insurance crime cases Taiwan has ever been happened in the past in order to strengthen the findings with the example of the questionnaire, and then feedback and improve the production QC procedure for the purpose of establishing the intact dangerous mechanism of management of insurance company. According to the study mentioned above and get the following conclusions:Before the occurrence of moral hazard, if we can control the main behavior patterns of people and prevent, it will be effective to reduce the frequency of the occurrence of moral hazard. These behaviors of groups, mainly the nature of mature-aged group who are free time on job, but low income less than per-capita income, to purchase health care insurance products based on the primary motive, or shorter insurance history, or the persons who are just shorter than "excluded period" and had higher frequency of moral hazard. Therefore, insurance agents' personal morals and professional skills are the first line of protection to prevent from the occurrence of moral hazard effectively.Once the accident event occurs, the insurance company can proceed for claims audited and investigation process work strictly, furthermore, to explore the accident reasonableness following the subsequent accident concerning people, things, time-period, places, objects, etc. If we can do as the process mentioned above, it is effective to reduce loss margin resulted from the risk of moral hazard. Therefore, when asking for quick claims service must be considered with rigorous review and investigation in order to reduce the occurrence of moral hazard effectively. Furthermore, any experiences to prevent from moral hazard and protection measures must be integrated into the workflow management system based on SOP, and to achieve the good performance of knowledge management. Whereas, Taiwan's insurance market has not yet reached the mature level compared with Europe Union and the United States, "the larger size of insurance, the less fraud loss to suffer". Therefore, we must build an effective knowledge management mechanisms and implementation of talent development and cultivation in order to achieve this goal.During the course of the study, we have some important findings to provide insurance companies some important suggestions and hope that these findings will be beneficial for preventing from moral hazards, simultaneously can help the insurance industry to enhance the integrity and operation performance in the future. 1. After the current review and improve the prevention and control measures to deter the advance of the design and implementation of early warning systems in order to double the effective protection of technologies to improve control of the moral hazard effect.2. Moral hazards would be viewed as crucial measurements to control the quality of imported goods of the daily process management system, moral hazards could be implemented effectively prior to the detection and the effect of suppression after the event occurred.3. Analysis and management will be applied to the technical knowledge of insurance company management system, personnel changes can reduce the moral hazard of the operation of the impact of control.4. To construct and open the future research stream of the insurance moral hazards of the quantitative study of crime.