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An Analysis of the Unpaid Insurance benefits problem in Japan
( Mahito Okura ) 한국손해사정학회 2009 손해사정연구 Vol.2 No.-
The unpaid insurance benefits problem in Japan is a typical problem that engenders a lack of confidence in insurance companies. The unpaid insurance benefits problem can be defined as the problem where insurance companies do not pay the insurance benefits they are obliged to pay without good reason. In other words, insurance companies take advantage of the loss-adjustment process to reduce their insurance benefits payments. The purpose of this study is to provide an overview of the unpaid insurance benefits problem in Japan and to outline the main features of the relapse prevention plans submitted by insurance companies. Furthermore, given these explanations, a theoretical analysis is conducted to shed light on the effect of introducing new underwriters`s alary schedules that abolish excessive incentives for getting new insurance contracts and introduce new incentives for maintaining in-force insurance contracts.