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Title:	影響失能扶助保險需求因素之實證研究 An empirical study on the factors affecting the demand for disability support insurance
Authors:	林保儒 Lin, Pao-Ju
Contributors:	蔡政憲林保儒 Lin, Pao-Ju
Keywords:	失能扶助保險長照保險保險需求
Date:	2019
Issue Date:	2019-07-01 10:50:20 (UTC+8)
Abstract:	台灣人口結構正在快速老化，加上身心礙者人數持續上升，長期照護的問題愈顯重要，為了瞭解民眾購買長期照護保險的因素，本研究蒐集了相關資訊，從家庭因素、風險認知、收入以及其他因素進行量化分析。實證之結果，家庭因素中，被保險人的家人與失能扶助保險之間存在著替代的關係；風險認知則視被保險人的年紀、親友長照案例、與教育程度而定；被保險人職業的平均收入愈高，為了投保願意付出的代價就愈低。此外，男性比起女性有較高保費支出，也願意付出較高的投保代價，但男性不會因此選擇投保較高的保障額度；行銷同仁的職級愈高，反而讓被保險人降低了其願意為購買失能扶助保險所付出的代價。本研究之意義為了解被保險購買失能扶助保險的因素，也可作為提升台灣長期照護保險投保率的行銷策略參考。 Demographic structure of Taiwan is rapidly aging, and the number of people with physical and mental disabilities continues to rise. The issue of long-term care is becoming more and more important. In order to understand the factors of people purchasing long-term care insurance, this study analyzes the policy and personal information of the insured, and quantitative analyzes from the family factor, risk perception, income, and other factors. As a result of the empirical test, there is an alternative relationship between the family of the insured and the disability support insurance in the family factor. The risk perception depends on the age of the insured, the case of relatives and friends, and the degree of education. The higher the average income of insured’s job, the lower the price that is willing to pay for insurance. In addition, men have higher premiums than women, and are willing to pay a higher insured price, but men will not choose to insure a higher amount of insurance. The higher the level of sales , the lower the willingness of the insured paid for the purchase of disability support insurance. The meaning of this study is to understand the factors of insurance purchase disability support insurance, and also as a marketing strategy reference to improve long-term care insurance coverage rate of Taiwan.
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Description:	碩士國立政治大學風險管理與保險學系 107358007
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0107358007
Data Type:	thesis
DOI:	10.6814/THE.NCCU.RMI.005.2019.F08
Appears in Collections:	[Department of Risk Management and Insurance] Theses

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