惡性腫瘤（癌症）自民國七十一年躍昇為國人十大死因之第一位，且其發生率及死亡率均逐年攀升，是國人健康的一大威脅。壽險業者為了補足全民健保在給付項目及金額的不足，陸續推出終身癌症保險以提供國人更完整的保障。然而國內終身癌症保險仍屬初期階段，缺乏完整的統計經驗資料，大部份採用國外再保險公司所提供的癌症經驗資料，並未參酌國內醫院所作的癌症統計，其保費適足性值得懷疑。有鑑於此，本研究針對定額型個人終身癌症保險，在國人癌症發生率逐年上升的假設下，探討終身癌症保險之費率適足及精算合理性。研究結果與國內數家保險公司比較，發現這幾家公司的終身癌症保險之年繳保費明顯不足，而且其年繳保費差額隨著年齡呈直線遞增。因長期保費的收入不足會導致壽險公司累積虧損，進而影響壽險公司的清償能力，此結果可提供壽險業者及監理機關參考。

　　　　　With the increasing of cancer incidence rate, the insurers provide completely and thoughtfully designed planning in order to meet the requirements of the public, supplemental to the national health insurance program enforced by the government of R.O.C. in 1995. However, many domestic insurers have faced the problem of the experience loss ratio beyond the expected. Since the whole life cancer insurance policies have been issued on the market a few years ago, the empirical data from the insurance are insufficient for the pricing. In addition, only a fewer esearches have focused on the actuarial model of this type of insurance. In this paper, we will investigate the premium calculation of the whole life cancer insurance under the influence of specified factors, and outline the appropriate model construction procedures.The data we use are not only from Department of Health of the Executive Yuan but also from domestic hospital, such as National Taiwan University Hospital and Veterans General Hospital. Moreover, we make reference to medical studies and make use of rational actuarial assumptions,i.e., the trend of cancer incidence rate, cancer survival rate, cancer outpatient rate, average cancer outpatient treatment days, cancer inpatient rate, cancer surgical rates, cancer radiotherapy or chemotherapy rates, average cancer radiotherapy or chemotherapy treatment days, cancer bone marrow transplantation rates, cancer mortality rates, and other cancer rates, available to the premium calculation in empirical analysis.Finally, we examine the premiums of a whole life insurance policy to compare to our results in empirical analysis and discuss whether premiums are adequate. Moreover, we use the analysis of interest sensitivity to test the increasing of the premium. We hope that this paper could be beneficial to the actuaries and also provide suggestions for the government surveillance.