Dataset Information

Case study data for joint modeling of insurance claims and lapsation.

ABSTRACT: The dataset tracks 40,284 insurance clients over five years, between 2010 and 2015, who subscribed to both automobile and homeowners insurance. We have combined information on these customers. First, the characteristics including age, gender or driving experience, among others and dates of renewal for the two types of policies considered here. Note that we have only considered clients corresponding to persons and not commercial firms that can also underwrite home and motor insurance policies. Second, the policy data file for motor vehicle insurance consists of all vehicle insurance coverage including power, driving area or whether there is a second driver that drives the car occasionally. Third, the policy data file for homeowners insurance has information on the property such as value of the building (essentially the value of the home without any furniture, apparel and personal items), location and type of dwelling. Besides these three sources, we have access to data containing information on the number of claims and total cost of those claims per year and per policy type. So, for all policies that are in force, we finally have up to a five year record of the yearly cost of claims in the motor insurance and in the home coverage. If the customer does not renew one of those two policies or both, we do not have more information after this lapse occurs. After summarizing the data, we provide the usual marginal analysis, where we fit regression models using Tweedie distributions for claims and a logistic model for lapse. Data can be used for joint analysis of insurance policyholders with more than one product.

SUBMITTER: Guillen M

PROVIDER: S-EPMC8640253 | biostudies-literature |

REPOSITORIES: biostudies-literature

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Project description:BackgroundPredictive modeling presents an opportunity to contain the expansion of medical expenditures by focusing on very few people. Evaluation of how risk adjustment models perform in predictive modeling in Taiwan or Asia has been rare. The aims of this study were to evaluate the performance of different risk adjustment models (the ACG risk adjustment system and prior expenditures) in predictive modeling, using Taiwan's National Health Insurance (NHI) claims data, and to compare characteristics of potentially high-expenditure subjects identified through different models.MethodsA random sample of NHI enrollees continuously enrolled in 2002 and 2003 (n = 164,562) was selected. Health status measures and total expenditures derived from 2002 NHI claims data were used to predict the possibility of becoming 2003 top users. Statistics-based indicators (C-statistics, sensitivity, & Predictive Positive Value) and characteristics of identified top groups by different models (expenditures and prevalence of manageable diseases) were presented.ResultsBoth diagnosis-based and prior expenditures models performed much better than the demographic model. Diagnosis-based models were better in identifying top users with manageable diseases; prior expenditures models were better in statistics-based indicators and identifying people with higher average expenditures. Prior expenditures status could correctly identify more actual top users than diagnosis-based or demographic models. The proportions of actual top users that could be identified by diagnosis-based models alone were much lower than that identified by prior expenditures status.ConclusionsPredicted top users identified by different models have different characteristics and there is little agreement between modes regarding which groups would be potentially top users; therefore, which model to use should depend on the purpose of predictive modeling. Prior expenditures are a more powerful tool than diagnosis-based risk adjusters in terms of correctly identifying more actual high expenditures users. There is still much room left for improvement of diagnosis-based models in predictive modeling.

Project description:PurposeThe purpose of the study is to develop an algorithm to identify pregnancies in administrative databases and apply it to assess pregnancy rates and outcomes in women prescribed isotretinoin or tretinoin.MethodsUsing the 2011 to 2015 Truven Health MarketScan Database, we identified pregnancies, including losses and terminations. In a cohort design, nonpregnant women filling a prescription for isotretinoin or tretinoin were matched to five women without either prescription. Women were followed for 365 days or until conception, medication discontinuation, or enrollment discontinuation ("prescription episode"). Rates of pregnancy, risks of pregnancy losses, and prevalence of infant malformations at birth were assessed by exposure.ResultsWe identified 2 179 192 livebirths, 8434 stillbirths, 2521 mixed births, 415 110 spontaneous abortions, 124 556 elective terminations, and 8974 unspecified abortions. There were 86 834 isotretinoin and 973 587 tretinoin episodes, matched to 5 302 105 unexposed women. Pregnancy rates were 3 (isotretinoin), 19 (tretinoin), and 34 (unexposed) per 1000 person-years. Risk of spontaneous pregnancy losses were similar; however, terminations were more common in the isotretinoin-exposed (28% [95% CI: 21%-36%]) than the tretinoin-exposed (10% [95% CI: 9%-11%]) or unexposed pregnancies (6%). Malformations occurred in 4.5% (95% CI: 3.5%-5.6%) of the tretinoin-exposed pregnancies and 4.2% of the unexposed pregnancies (adjusted odds ratio: 1.16 [95% CI: 0.85-1.58]); isotretinoin-exposed births were too few to assess malformations.ConclusionsAdministrative databases can complement risk evaluation and mitigation strategies (REMS) for known teratogens and contribute to safety surveillance for other medications. Here, isotretinoin-exposed pregnancy rates were low, but existent, and many pregnancies were terminated. Tretinoin exposure was not associated with a meaningfully elevated risk of losses or malformations as compared with unexposed pregnancies.

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Case study data for joint modeling of insurance claims and lapsation.

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