政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/131009

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Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/131009

Title:	台灣壽險業外溢保單之現況與發展 The Current Situation and Development of Spillover Effect Policies in Taiwan`s Life Insurance Industry
Authors:	吳婉琪
Contributors:	謝明華吳婉琪
Keywords:	外溢保單健康管理
Date:	2020
Issue Date:	2020-08-03 17:41:36 (UTC+8)
Abstract:	金融監督管理委員會(以下簡稱金管會)鼓勵保險公司設計健康管理之外溢保險商品，透過保險公司的獎勵機制，鼓勵消費者自主的健康管理，除了提高保戶的健康意識、降低保險公司的理賠支出，以及減少社會醫療資源的消耗，創造保戶、保險公司和社會醫療資源三贏的局面。目前台灣市售的外溢保單主要分為健檢型、運動型和實物給付型，其中以健檢型和運動型占最大宗，而獎勵方式多為保費折減、提高保額和健康回饋金。本文主要探討國內外的健康管理之外溢保險商品，比較其外溢方式、回饋機制和適用險種等，發現我國外溢商品缺乏創新，參考國外案例與目前科技的發展趨勢，提供未來外溢保單可開發之方向。 The Financial Supervision Commission encourages insurance companies to design health management spillover effect policies. Through the insurance company`s reward mechanism, consumers are encouraged to manage their own health. In addition to improving the health awareness of insurers, reducing insurance companies` claims expenses, and reducing social medical resources consumption, creating a win-win situation for policyholders, insurance companies and social medical resources. At present, the spillover effect policies sold in Taiwan are mainly divided into health, exercise and practical payment, of which the health and exercise account for the largest amount, and the reward methods are mostly premium reduction, increase in insured amount and cash. This article mainly discusses health management spillover insurance products at home and abroad, compares their spillover methods, feedback mechanisms and applicable types of insurance, and finds that our foreign spillover effect policies lack innovation. According to foreign cases and the current development trend of technology provide the direction in which future spillover effect policies can be developed.
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Description:	碩士國立政治大學風險管理與保險學系 107358025
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0107358025
Data Type:	thesis
DOI:	10.6814/NCCU202000903
Appears in Collections:	[Department of Risk Management and Insurance] Theses

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