テレマティクスによる精緻なリスク評価が保険契約者の選択に与える影響 : 市場均衡モデルに基づく分析

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  • Risk Evaluation Accuracy Using Telematics and Policyholders’ Coverage Selection : An Analysis Based on an Equilibrium Model

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This study aims to demonstrate the effect of accurate risk evaluation by Insurtech on the participants’ selection of insurance coverage, based on the canonical separating market equilibrium model. A precise risk evaluation through telematics will promote market efficiency by alleviating adverse selection and moral hazard of insureds. In reality, however, risk evaluation is not perfectly accurate even utilizing telematics and thus a certain cross-subsidy applies. The analysis reveals that lowrisk individuals tend to purchase less coverage in case a cross-subsidy factor is embedded based on a constant ratio. Meanwhile, when cross-subsidy is factored into the premiums at a constant value, individuals are willing to be fully insured regardless of their risk characteristics.

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