產險業經營長期照顧保險之研究

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Title:	產險業經營長期照顧保險之研究
Other Titles:	A study of long-term care insurance operations in non-life insurance
Authors:	洪沛瀠;Hung, Pei-Ying
Contributors:	淡江大學保險學系保險經營碩士班廖述源;呂慧芬;Liao, Shuh-Yuan;Lu, Hui-Fen
Keywords:	長期照顧保險;財產保險;長期照顧;產險業;Long-Term Care Insurance;Non-Life Insurance;Long-term care
Date:	2016
Issue Date:	2017-08-24 23:37:11 (UTC+8)
Abstract:	二十一世紀末，人口結構的翻轉成為了全球最重要的趨勢，然而台灣也面臨了高齡化及少子化雙重問題，2016年65歲以上的老年人首度將超越14歲以下的人口；2018年會正式成為高齡社會；2025年台灣更將邁入、老年人口超過20%的「超高齡社會」，將意味著每五個人當中，就會有一位是老人。因此長期照顧的問題逐漸浮現。本研究乃依據我國保險法第138條規定：「財產保險業經營財產保險，人身保險業經營人身保險，同一保險業不得兼營財產保險及人身保險業務。但財產保險業經主管機關核准經營傷害保險及健康保險者，不在此限。」，長期照顧保險亦在產險經營之範疇內。將會針對產險業經營長期照顧保險時，商品設計、核保、理賠及行銷加以討論，希望開拓產險業之商機及解決我國目前面臨高齡化及少子化的問題。 Aging population and low fertility have been bringing great challenge to Taiwan because the change of population structure in the 21st century. The people over the age of 65 will much than the people under the age of 14, and Taiwan will become aged society in 2018, become hyper-aged society which is mean almost one-in five people in Taiwan will be 65 years or older in 2025. This paper is according the article 138 of Insurance Act, an insurance enterprise in the "non-life insurance" category shall engage in the business of non-life insurance only, an insurance enterprise in the "insurance of the person" category shall engage in the business of insurance of the person only, and the same insurance enterprise may not engage concurrently in non-life insurance and insurance of the person, provided that this restriction does not apply where a non-life insurance enterprise is approved by the competent authority to engage in personal injury insurance or health insurance. This paper not only discusses the product design, underwriting, claims and marketing of commercial long-term care insurance, but also provides important reference for developing the opportunities of business.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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