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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/146973


    Title: 商業長期照顧保險成長與發展-以A公司為例
    Growth and Development of Long-Term Care Commercial Insurance-Taking A company as an example
    Authors: 陳勝隆
    Chen, Sheng-Lung
    Contributors: 周冠男
    陳勝隆
    Chen, Sheng-Lung
    Keywords: 商業長期照顧保險
    購買意願
    被照顧者
    Long-Term Care Commercial Insurance
    Purchase Intention
    Care Recipient
    Date: 2023
    Issue Date: 2023-09-01 15:11:55 (UTC+8)
    Abstract: 台灣社會高齡化及少子化眾所周知，當人口老化程度愈高，社會面臨的扶養負擔愈多，若發生需要長期照顧的意外傷害、重大疾病，被照顧者與照顧者面對的是長期龐大的財務準備，政府多年來推動長期照顧政策為特定需要民眾提供長期照護基本服務，但高自費的時代，民眾需要透過商業長期照顧保險提前規劃準備不確定的長照風險發生。有專家學者研究指出民眾越來越認同長期照顧保險能解決日後需要長期照顧的保障，但受限於收入預算問題，對商品資訊不清楚擔心影響理賠權益，認為保險費高沒有適合商品或自身有其他醫療保險商品可取代等個人因素以致影響購買意願。個案公司是商業長期照顧保險銷售市佔率最高的保險公司，本研究以個案公司在長照市場經營策略與成功經驗，如何解決民眾需求提高購買意願作分析研究，供其他保險公司參考共同提升商業長期照顧保險市佔率。
    It is widely known that Taiwan is facing the challenges of an aging society and low birth rates. As the aging population increases, the burden of caregiving on society grows. In the event of accidents or major illnesses requiring long-term care, both care recipients and caregivers face the daunting task of long-term financial preparations. While the government has been implementing long-term care policies to provide basic services for specific individuals in need, the era of high out-of-pocket expenses necessitates proactive planning and preparation for the uncertain risks of long-term care through commercial long-term care insurance. Research conducted by experts and scholars indicates that the public is increasingly recognizing the value of long-term care insurance in providing security for future long-term care needs. However, individuals` purchase intention such insurance is influenced by factors such as income constraints, budget limitations, concerns about unclear product information affecting claims, perceptions of high premiums without suitable options, or reliance on other medical insurance products. The case company is the insurance company with the highest market share in commercial long-term care insurance. This study analyzes the company`s operational strategies and successful experiences in the long-term care market to explore how to address public demand and increase purchase intention. The findings aim to provide insights for other insurance companies to collectively enhance their market share in commercial long-term care insurance.
    Reference: 1.bobe.ai前進智能保險經紀人公司(2023)長照險/失能險/殘扶險需要嗎?怎麼買?17家共60+張保單整理比較，瀏覽日期:2023年4月24日，檢自https://bobe.ai/category。
    2.今周刊第1258期(2021)，失能險停售潮該不該買？先有這些「基本保險」，再考慮三原則補足保障。
    3.宋明財(2014)，長期照護保險創新經營模式之研究，實踐大學財務金融學系碩士班學位論文。
    4.林芳璦(2023)，商業長期照顧保險購買意願調查與分析，崑山科技大學企業管理研究所碩士論文。
    5.金融監督管理委員會保險局(2015)，核定「長期照顧保險單示範條款」，104年7月1日實施。
    6.金融監督管理委員會保險局(2019，2020，2021，2022，2023)，長期照顧保險投保對象之性別、年齡、要保人所在行政區域與年收入分布之交叉分析
    7.財團法人金融消費評議中心(2019，2020，2021，2022，2023)，全年申訴案件及申請評議案件統計資料。
    8.張志宏、趙韻如(2009)，長期看護保險制度與推動之研究，財團法人保險事業發展中心。
    9.陳伊柔(2020)，高齡社會下商業長期照顧保險未來發展趨勢之研究，國立中山大學財務管理學系碩士論文。
    10.陳明國、余家駒(2012)，長期看護保險購買意願影響因素之實證研究，管理實務與理論研究，第6卷第4期，頁62-76。
    11.黃大偉理財研究室(2023)全台最新壽險業理賠訴訟率比較表大公開，瀏覽日期:2023年4月26日，檢自https://davidhuang1219.pixnet.net/blog/post/284441904。
    12.維基百科關於五力分析、SWOT分析、4P理論、4C理論。
    13.衛生福利部(2016)，長期照顧十年計劃2.0(106~115年核定本)。
    14.衛生福利部(2023)，長期照顧十年計劃2.0相關統計表，瀏覽日期:2023年5月15日，檢自https://1966.gov.tw/LTC/lp-6485-207.html。
    Description: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    110932138
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0110932138
    Data Type: thesis
    Appears in Collections:[經營管理碩士學程EMBA] 學位論文

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