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Analisis Polisi Luput Pelan Takaful Keluarga

Rubayah Yaakob
Mohd Hafizuddin Syah Baangan Abdullah
Norasykeen Mohd Baharom
Universiti Kebangsaan Malaysia

ABSTRAK

Kajian ini bertujuan untuk menganalisis penentu polisi luput pelan takaful keluarga di Malaysia dengan melihat ciri-ciri demografi pemegang polisi dan polisi takaful keluarga itu sendiri. Polisi boleh luput akibat daripada beberapa sebab seperti gagal membuat bayaran dalam tempoh yang ditetapkan, menukar kepada polisi lain yang lebih baik, desakan kewangan dan juga serahan secara sukarela. Polisi luput memberi impak yang besar kepada pihak-pihak berkepentingan iaitu pengendali takaful, pelanggan dan penggubal dasar. Impak polisi luput termasuk kerugian kepada firma, pilihan sakal, kecairan dan peningkatan sumbangan. Hasil daripada analisis regresi logistik menunjukkan bahawa amaun perlindungan, cara bayaran dan jantina memberi kesan negatif kepada polisi luput. Manakala umur, status perkahwinan dan orang yang dilindungi tidak memberi kesan kepada polisi luput. Hasil  kajian diharapkan dapat membantu pihak yang berkepentingan seperti pengendali takaful dan penggubal dasar untuk merangka strategi yang sesuai bagi mencapai matlamat masing-masing dan membantu dalam perkembangan dalam industri takaful di Malaysia.

Kata Kunci: Luput, takaful keluarga, insurans, logit, regresi.

 

ABSTRACT

This study aims to analyze the determinants of policy lapse of family's takaful in Malaysia by examining the demographic characteristics of policyholders and the family takaful policy itself. The policy could lapse due to several reasons such as failing to make payment within the prescribed period, converting to a better policy, financial pressure and voluntary surrender. The policy lapse has a huge impact on stakeholders such as takaful operators, customers and policy makers. The impact of policy lapse includes losses to firms, adverse selection, liquidity and contribution increament. The results of the logistic regression analysis show that the sum insured, payment methods and gender have a negative impact on policy lapse. Whereas age, marital status and the insured individual have no effect on policy lapse. The findings assist stakeholders such as takaful operators and regulators to develop appropriate strategies to achieve their goals and support the development of the takaful industry in Malaysia.

Keywords:Lapse, family’s takaful, insurance, logit, regression.

Teks Penuh (PDF): JMIFR June 2018 - Vol.15, No.1 (84-95)

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