Multi-criteria decision-making methods applied in health-insurance underwriting.

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2023-01-01 DOI:10.1080/20476965.2022.2085190

John Mourmouris, Thomas Poufinas

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引用次数: 2

Abstract

ABSTRACT This study attempts to structure methodologically the health insurance underwriting process by applying Multi-criteria Decision-making (MCDM) analysis in health insurance underwriting. This is done by assigning a score to each health insurance applicant which can be used to determine whether he or she is accepted, rejected or accepted with special terms and conditions (such as exclusions, additional waiting periods and/ or surcharge). The introduction of MCDM approaches in health insurance underwriting enables the quantification of the selection criteria, the increased standardization and automation of the process and its alignment through quantitative indicators with the risk tolerance/ risk appetite of the insurer, and there lie the novelties of this research. The proposed methodology can be readily implemented by insurers with added value in the underwriting, risk management and distribution (sales & marketing) functions, as well as in the profitability of the company or the level of premium paid by the insured.

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多准则决策方法在健康保险承保中的应用。

本研究试图运用多准则决策(MCDM)分析方法，建构健康保险核保过程。这是通过给每个健康保险申请人分配一个分数来完成的，这个分数可以用来确定他或她是被接受、拒绝还是有特殊条款和条件(如排除、额外的等待期和/或附加费)被接受。在健康保险承保中引入MCDM方法，可以量化选择标准，提高流程的标准化和自动化程度，并通过量化指标与保险公司的风险承受能力/风险偏好保持一致，这是本研究的新颖之处。建议的方法可以很容易地由保险公司实施，在承保、风险管理和分销(销售和营销)职能以及公司的盈利能力或被保险人支付的保费水平方面具有附加值。

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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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.