Health, Lifestyle and Disability Transitions of Self-Employed Workers: Evidence from Dutch Insurance Data

L. Spierdijk, R. van Ooijen, A. van Lomwel
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Abstract

We apply mixed proportional hazards models to a Dutch insurer's portfolio of income insurance contracts and show that physical and mental ill-health and bad lifestyle habits generally have adverse effects on self-employed workers' disability outcomes. Yet our main result is that accurate assessment of the relation between health, lifestyle and disability outcomes requires a subgroup analysis that distinguishes several groups of policyholders (such as smokers and non-smokers, overweight and normal-weight self-employed, and men and women). Our study can contribute to more effective underwriting criteria and the development of risk-based insurance premiums, among others.
个体经营者的健康、生活方式和残疾转变:来自荷兰保险数据的证据
我们将混合比例风险模型应用于一家荷兰保险公司的收入保险合同组合,并表明身心健康不良和不良生活习惯通常对个体经营者的残疾结果有不利影响。然而,我们的主要结论是,准确评估健康、生活方式和残疾结果之间的关系,需要进行亚组分析,以区分几组保单持有人(如吸烟者和非吸烟者、超重和正常体重的自营职业者、男性和女性)。我们的研究可以为更有效的承保标准和基于风险的保险费的发展做出贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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