Please use this identifier to cite or link to this item:
|Title: ||住宅地震保險購買意願之研究 : 房屋所有人之觀點|
|Other Titles: ||The study of consumer purchase intention to Taiwan residential earthquake insurance : the perspectives from owner of the building|
|Authors: ||康耀中;Kang, Yao-chung|
廖述源;高棟梁;Liao, Shuh-Yuan;Kao, Tong-Liang
|Keywords: ||住宅地震基本保險;風險意識;消費者購買行為;Purchase Intention;Risk consciousness|
|Abstract: || 台灣位處太平洋火環帶之中，地震頻繁發生。自1999年9月21日起，南投地區發生地震，致使台灣全國影響甚鉅，時至今日，民眾仍歷歷在目。
Taiwan, an island located on the Ring of Fire, is struck by earthquake frequently. Ever since the Chi-Chi Earthquake, which took place in September 21th 1999 and had a catastrophic impact, people of Taiwan will never underestimate damage that an earthquake can bring.
Earthquake insurance has been issued for over a decade in Taiwan. Yet, despite the fact that Taiwan suffers from earthquake quite often, earthquake insurance has merely a 30% coverage. Apparently, people of Taiwan are not willing to purchase related insurance merchandise. In order to gain more understanding of the behavior, 671 questionnaires are evaluated.
Five reasons explaining why people of Taiwan have such behavior are made:
First, Difficulty in meeting the claim, which requires a full demage, or a collapse on the insured property. Respondents of the survey desire policies with easier on the barrier.
Second, Limited coverage in other natural disasters. Besides earthquake, Taiwan is constantly struck by other natural disasters such as Typhoon, floods, land slides.
Third, Limited insured amount. As housing market keeps rising, a ceiling of 1.5 millions NTD in insured amount does not meet the projection of the real estate value.
Forth, Limited coverage in property. Earthquake insurance in Taiwan mostly covers only real property. Policy appears less appealing when personal property is not covered.
Fifth, Flat rate. Resoindents of the survey state that flat rate in earthquake insurance cannot faithfully responde to the value of real estate.
In conclusion, people of Taiwan have limited knowledge in earthquake insurace. Further current policies do not meet the expactation. As a result, people of Taiwan are generally not in favor of purchasing earthquake insurace.
|Appears in Collections:||[保險學系暨研究所] 學位論文|
Files in This Item:
All items in 機構典藏 are protected by copyright, with all rights reserved.