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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/110830

    Title: 我國產物保險傷害與健康保險經營困境之研究
    Other Titles: The study of dilemma of the personal accident and health insurance business operation for non-life insurance industry in Taiwan
    Authors: 蘇宥錫;Su, Yu- Hsi
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 傷害保險;健康保險;Personal Accident Insurance;Health Insurance
    Date: 2016
    Issue Date: 2017-08-24 23:37:01 (UTC+8)
    Abstract: 我國早期保險法規定,傷害保險與健康保險歸屬於人身保險業經營,然民國八十六年時,立法院修正保險法第一百三十八條規定,允許產物險業得以附加契約經營傷害保險,而後於九十年之修法,讓產險公司得以主契約販售傷害保險,進而於九十六年同意產險公司經營健康保險,短短十年產險業多出兩樣新種業務,經營至今究竟有無為產險公司帶來絕對性的好處,以及對壽險公司有否帶來影響,本文研究重點。
    It’s been a long time that the personal accident and health insurance business can only be operated by life insurance industry in Taiwan according to early Insurance Law. But in 1997¸ the Article 138 was modified that the non-life insurance companies could be allowed to operate personal accident insurance business with attachment style to other insurance product. Further, the non-life insurance industry was allowed to operate the personal accident business independently in 2001. And 6 years later, the Government approved furthermore the non-life insurance industry to operate health insurance business. Thus, both life and non-life insurance industries can operate personal accident and health insurance business concurrently since 2007. In this paper, we try to find if the operation of both personal accident and health insurance business is really good for the new comers, non-life insurance companies. Also, whether or not the life insurance industry operating these two new business is affected by the competition of non-life insurance industry.
    This thesis began with the movement of modification of the insurance act article 138, then we investigated the kinds and the characteristics of personal accident insurance and health insurance, and further analyzed the business volume, loss ratio and insurance rate of both non-life insurance industry life insurance industry in personal accident insurance and health insurance business, in order to realize advantages and disadvantages in operating these two insurance for non-life insurance industry. Then, we compared the conditions and the strategies of operation of non-life insurance industry with these of life insurance industry, to find out the dilemma that non-life insurance industry operates personal accident and health insurance. Finally, we made conclusions and suggestions to non-life insurance industry, hopefully they could take these suggestions into consideration.
    Appears in Collections:[保險學系暨研究所] 學位論文

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