#7【生命保険専門課程】★テキスト・練習問題解説★ 「選択の必要性」

Summary

The video script is a detailed discussion on the necessity of selection in life insurance specialized courses. It emphasizes the importance of creating a safe and healthy insured group to ensure fairness, rationality, and continuity in insurance practices. The speaker explains the concept of 'adverse selection' where unhealthy individuals are more likely to seek insurance, potentially increasing premiums for everyone. The video also covers the three types of risks considered in underwriting: medical, environmental, and moral. It outlines the process of underwriting, including the assessment of the insured's health, occupation, and moral standing, and the decision-making process based on these factors. The speaker also touches on the concept of 'underwriting' and 'anti-selection', and the measures taken by insurance companies to mitigate these risks. The script concludes with a brief overview of the practice of reporting to the insurance company and the importance of the contract content registration system.

Takeaways

• 📚 The importance of selecting clients for life insurance to create a safe and healthy insured group is emphasized for fair and sustainable operations.
• 🔍 Insurers aim to reduce payments by identifying and selecting safe policyholders, which is a critical aspect of risk management.
• 💰 The concept of 'adverse selection' is discussed, where unhealthy individuals are more likely to want to join insurance, potentially leading to higher insurance costs.
• 🤰 Special conditions may apply to certain individuals, like those who have had a cesarean section, which can affect the terms of their insurance policy.
• 🚫 Insurers may refuse coverage to individuals who present a high risk, known as 'underwriting', to maintain a stable risk pool.
• 📋 The need for accurate reporting and thorough checks, such as confirming the identity of the insured and reviewing medical records, is highlighted.
• 🏥 Information gathering from various sources like health check-ups and medical certificates is part of the underwriting process to assess risk.
• 📉 The video mentions that those who continuously maintain their insurance policies are preferred as it ensures the stability of the insurance group.
• ⚖️ The criteria for selecting insurance contracts include health, environmental, and moral risks, which are assessed before deciding on the terms of the policy.
• 🚭 There are different types of contracts, such as standard contracts for low-risk individuals and special condition contracts with increased premiums or reduced coverage for higher-risk individuals.
• ⛔ The term 'reverse selection' is introduced, referring to the tendency of higher-risk individuals to be more inclined to seek insurance, which insurers need to identify and manage.

Q & A

What is the main topic discussed in the video script?

The main topic discussed in the video script is the necessity of selection in life insurance specialized courses, focusing on creating a safe and sound insured group.

Why is it important to select insured individuals carefully for a life insurance company?

It is important to select insured individuals carefully to ensure a safe and sound insured group, which helps in maintaining fairness, ethics, and continuity, and in reducing the insurance company's payouts.

What are the three types of risks mentioned in the script that are considered when selecting insured individuals?

The three types of risks mentioned are health risks (physical condition), environmental risks (job content), and moral risks (moral hazard).

What is the term used to describe the situation where unhealthy individuals are more likely to want to join an insurance plan?

The term used to describe this situation is 'adverse selection'.

How does the insurance company manage the information about the insured individuals?

The insurance company manages the information through a contract content registration system, where details such as name, date of birth, gender, address, and payment history are registered.

What is the term for a contract that is accepted under special conditions due to exceeding a certain risk range?

The term for such a contract is 'special condition contract'.

Why is it necessary to confirm the identity of the insured and the beneficiary?

It is necessary to confirm the identity to prevent fraud and ensure that the contract is with the correct individual, reducing the risk of serious issues if the wrong person is involved.

What is the term used to describe the process of not accepting certain high-risk individuals for insurance?

The term used is 'underwriting', and specifically, not accepting those who fall below the underwriting line is referred to as not accepting high-risk individuals.

How does the insurance company decide whether to accept or decline a contract based on the registered information?

The insurance company compares the reported information with the registered content in the contract content registration system to decide whether to accept or decline the contract.

What is the term for the situation where the insured or the beneficiary is unclear or suspicious, making it difficult to determine their identity?

The term for this situation is not explicitly mentioned, but it refers to a scenario where proper identification and confirmation of parties involved are crucial.

What is the significance of the contract content registration system starting from April 2020?

The significance is that it allows for a system where the reported information can be used to determine the risk level of insured individuals, contributing to the stability and sound operation of the insurance system.