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    题名: 保險生態系導入區塊鏈效益之個案分析
    A Case Study on the Impacts of Blockchain in the Insurance Ecosystem
    作者: 林世璿
    Lin, Shih-Syuan
    贡献者: 邱奕嘉
    Chiu, Yi-Chia
    林世璿
    Lin, Shih-Syuan
    关键词: 區塊鏈
    數位平台生態系
    保險科技
    價值創造
    Blockchain
    Digital platform ecosystem
    Insurtech
    Value creation
    日期: 2024
    上传时间: 2024-09-04 13:59:16 (UTC+8)
    摘要: 傳統保險業務流程中，保戶資料在各間保險公司中互不流通，存在資訊不對稱和單點故障風險。區塊鏈技術的引入，以其去中心化、不可竄改和透明的特性，革新了保險業務運作方式，提升資料處理效率和安全性。本研究探討區塊鏈技術在保險生態系中的應用效益，以保險科技運用共享平台為例，研究其對保險業務流程的改變和增益。
    保險科技運用共享平台是由壽險公會主導的聯盟鏈系統，該平台促進保險公司與醫療機構間的合作，實現資料的共享和流通。區塊鏈技術應用於保險業務中，主要場景在保單管理、理賠流程和資料驗證等方面。通過區塊鏈技術，保單的生成和存證過程被記錄於區塊鏈上，保戶和保險公司可隨時查詢和驗證，避免資料被竄改的風險。
    在理賠流程中，區塊鏈技術的應用尤為顯著。傳統理賠流程繁瑣，需保戶提供大量紙本資料，且資料驗證耗時長。區塊鏈技術引入後，保戶可在線上授權保險公司直接從醫療機構獲取診斷資料，保險公司透過區塊鏈進行資料驗證和存證，大幅縮短理賠時間，提高保戶滿意度。同時，密碼學技術的應用使得資料在傳輸過程中保持加密狀態，即便遭到攻擊也不會外洩原始個資，保障保戶的隱私安全。
    此外，區塊鏈技術還促進了保險公司間的協作和異業合作，形成新的數位平台生態系。平台通過API技術與醫療機構對接，實現資料共享和標準化，減少交易成本，提高營運效率。該平台的核心功能改變生態系中價值結構，為該保險生態系創造新的價值。
    研究結果顯示，保險科技運用共享平台透過區塊鏈技術，實現了資料透明、流程簡化和資訊安全，為保險業務帶來了顯著效益。平台的擴展和持續優化，將進一步促進保險業的數位轉型和創新發展。未來研究可針對平台治理模式和創新能力進行深入探討，為保險生態系的長期穩定和持續發展提供參考。
    In traditional insurance business processes, customer data did not use between different insurance companies, leading to information asymmetry and the risk of single points of failure. However, Blockchain, with its decentralized, immutable, and transparent features, has revolutionized the operation of insurance businesses, enhancing the efficiency and security of data processing.
    The Insurancechain, led by the Life Insurance Association of the Republic of China, is a consortium blockchain system that facilitates cooperation between insurance companies and hospitals. The application of blockchain technology in the insurance business mainly on policy management, claims processing, and data verification. With blockchain, the processes of policy creation and certification are recorded on the blockchain, allowing customers and insurance companies to query and verify data at any time, mitigating the risk of data tampering.
    Blockchain facilitate collaboration among insurance companies and cross-industry cooperation, forming a new digital platform ecosystem. The platform interfaces with hospitals via API technology, achieving data sharing and standardization, reducing transaction costs, and improving operational efficiency. The core functions of the platform transform the value structure within the ecosystem, creating new value for the insurance ecosystem.
    Insurancechain, through the application of blockchain technology, achieves data transparency, process simplification, and information security, bringing significant benefits to insurance operations. The expansion and continuous optimization of the platform will further drive the digital transformation and innovative development of the insurance industry.
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    李靜宜. (2020b). 【雲端測試平臺將成未來創新試驗場】壽險公會如何打造區塊鏈聯盟鏈服務？. iThome. Retrieved Apr 5 from https://www.ithome.com.tw/news/139141
    洪綾襄. (2024). 一年半處理500億元理賠，打造一站式服務！壽險公會力推 保險存摺落實普惠金融. 財訊. Retrieved Apr 5 from
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    描述: 碩士
    國立政治大學
    科技管理與智慧財產研究所
    110364103
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0110364103
    数据类型: thesis
    显示于类别:[科技管理與智慧財產研究所] 學位論文

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