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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.
    Reference: 中文參考文獻
    1. 宋畹玖(2011)。高齡化社會下台中市民對「商業性長期看護保險」購買動機、認知與消費者行為實證分析之探討。嶺東通識教育研究學刊,4(1),123-171。
    2. 林士聘(2010)。長期看護保險商品及消費者購買須知之探討。國立政治大學經營管理碩士學程(EMBA)碩士論文,台北市。
    3. 林其毅(2012)。台灣地區民眾對老年安養照顧與長期照護保險需求之研究。未出版碩士,國立政治大學風險管理與保險學系,台北縣。
    4. 林致宏(2010)。壽險新進業務人員績效分析-以C公司為例。國立高雄第一科技大學風險管理與保險所碩士論文,高雄市。
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    6. 張麗娟、張琪惠(2018)。影響購買長期照護保險的關鍵因素—以台灣為例。中華管理評論國際學報,2018年8月第二十一卷二期。
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    外文參考文獻
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    3. Courbage, C. and N. Roudaut. 2008. “Empirical Evidence on Long-Term Care Insurance Purchase in France.” The Geneva Papers on Risk and Insurance - Issues and Practice 33(4): 645-658.
    4. Cramer, A. T. and G. A. Jensen. 2006. “Why Don’t People Buy Long-Term-Care Insurance?” The Journals of Gerontology Series B 61(4): S185-S193.
    5. Ettner, S. L. 1996. “The Opportunity Cost of Elder Care.” The Journal of Human Resources 31(1): 189-205.
    6. Kunreuther, H., R. Ginsberg, L. Miller, P. Sagi, P. Slovic, B. Borkan, and N. Katz. 1978. Disaster Insurance Protection: Public Policy Lesson. New York: John Wiley and Sons.
    7. McCall, N., S. Mangle, E. Bauer, and J. Knickman. 1998. “Factors Important in the Purchase of Partnership Long-Term Care Insurance.” Health Services Research 33(2): 187-203.
    8. Mellor, J. M. 2001. “Long-Term Care and Nursing Home Coverage: Are Adult Children Substitutes for Insurance Policies?” Journal of Health Economics 20(4): 527-547.
    9. Mossin, J. 1968. “Aspects of Rational Insurance Purchasing.” Journal of Political Economy 76(4): 553-568.
    10. Palm, R. I., M. E. Hodgson, R. D. Blanchard, and D. I. Lyons. 1990. Earthquake Insurance in California: Environmental Policy and Individual Decision Making. Boulder, CO: Westview Press.
    11. Pauly, M. V. 1990. “The Rational Nonpurchase of Long-Term Care Insurance.” Journal of Political Economy 98(1): 153-168.
    12. Wiener, J. M. 2003. “The Role of Informal Support in Long-Term Care.” Pp. 3-24 in Key Policy Issues in Long-Term Care, edited by J. Brodsky, J. Habib, and M. Hirschfeld. Geneva, Switzerland: World Health Organization.
    13. Zhou-Richter, T., M. J. Browne, and H. Gründl. 2010. “Don’t They Care? Or, Are They Just Unware? Risk Perception and the Demand for Long-Term Care Insurance.” Journal of Risk and Insurance 77(4): 715-747.
    14. Zweifel, P. and W. Strüwe. 1998. “Long-Term Care Insurance in a Two-Generation Model.” The Journal of Risk and Insurance 65(1): 13-32.
    網路資料
    1. 1111人力銀行,薪資公秤,2019年5月27日,檢自:https://www.jobsalary.com.tw/
    2. 王大包,殘廢扶助保險與長期看護保險,2017年8月22日,檢自:http://a011954.pixnet.net/blog/post/106527950-%E6%AE%98%E5%BB%A2%E6%89%B6%E5%8A%A9%E4%BF%9D%E9%9A%AA%E8%88%87%E9%95%B7%E6%9C%9F%E7%9C%8B%E8%AD%B7%E4%BF%9D%E9%9A%AA
    3. 李雪雯,一次比較!市面上所有跟「長照」有關的保險,理賠條件一張表整理,2017年2月14日,檢自:https://wealth.businessweekly.com.tw/GArticle.aspx?id=ARTL000082073
    4. 財政部財政資訊中心,105年度綜合所得稅申報核定統計專冊,2019年4月29日,檢自:https://www.fia.gov.tw/News_Content.aspx?n=7769B1BD01306B45&sms=BD450CA810662F3D&s=EC690F93E81FF22D
    5. 國家發展委員會,人口重要指標,2018年8月31日,檢自:https://pop-proj.ndc.gov.tw/
    6. 陳芃諭,我國銀髮族入住安養、養護或長期照顧機構意願之探討,2013年5月27日,檢自:http://www.phycos.com.tw/articles/61
    7. 衛生福利部統計處,身心障礙人數按類別及年齡別分,2019年3月11日,檢自:https://dep.mohw.gov.tw/dos/lp-2976-113.html
    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:[風險管理與保險學系 ] 學位論文

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