|其他題名: ||A study of long-term care insurance operation in life insurance|
|作者: ||杜孟庭;TU, MENG-TING|
|關鍵詞: ||保險;長期照顧;壽險經營;Insurance;Long-term care;Operation in Life Insurance|
|上傳時間: ||2017-08-24 23:37:14 (UTC+8)|
For the recent years, as the phenomenon of increasing elderly population combining with few generating is obvious, and the population is aging, the illness patterns of population are also inevitably shifted toward chronic and chronic dysfunction types of disease and, the nuclear family generally replaces the extended family, and the participation rate for the female labor is increasing, these changes of society structure make long-term care system become urgent, and the demands of Taiwan long-term care will grow intensively and is becoming one of the most significant topics of social welfare and health care in the future. So how to respond to long-term care needs of socirty as a whole has become an urgent problem.
Howevere the social welfare budget is limited, currently the service that government provided can´t satisfy general citizen´s expectation on Quantity and Quality. In general, people in Taiwin do not own a good concept or understanding on business long-term care insurance. The resulting consequence is that higher expense, deeper pressure, and heavier burden on people needed care and their relatives. With commercial insurance to make up the gap between social insurance, so not only can reduce future spending on social welfare, and to reduce the financial burden on individual families, and to promote Taiwan´s long-term care insurance market has a sound development.
The thesis is firstly observation on Public Long-Term Care Insurance of Germant, Japan, United States. Secondly through an understanding of the commercial development of long-term care insurance, as well as reference to the current situation and the plight of domestic and foreign scholars studied the ecperience to know there are ten life insurance companies to sell a commercial long-term care insurance in the end of 2015. Based on the social market demand, business long-term care insurance has been a product and has been promoted in recent years; however the marketing share is still lower than estimation. Based on a view to the international business major country, types of model of analysis are for our long-term care insurance products and providing the integration taken in learning.
Last but not the least, this thesis aims to help improve current life insurance companies commercial long-term care insurance, raise the intention to buy long-term care insurance, lower the society costs, and be the direction for the following researchers.