團體傷害保險對企業穩定發展有一定的貢獻與重要性，也是最具經濟效益，保障較佳之風險管理工具，但其需要較高的競爭實力與細膩的服務。本研究探討如何建立完善的團體傷害保險制度，保障員工生活安定，增進員工福利，改善勞資關係，讓企業有一個風險移轉的管道，且藉由保險市場機制來提高效能，降低經營成本，提供公平競爭的經營環境與合理費率，瞭解產、壽保險公司商品差異，從商品行銷通路、核保、再保、理賠策略及公司經營效益等，作出市場區隔，差異化行銷並彙整條款，簡化行政作業流程，使之順遂，服務效率提升客戶滿意，創造企業利潤，進而帶動相關產業的發展，最後提出結論與建議，俾供作為未來有興趣之保險業者、企業主在經營上之參考。 To reach stable development of enterprises , group accident insurance can provide certain contributions ; it is also the risk management tool with most economic benefits and higher assurance. However, this insurance requires strong competitiveness and considerate service. The study explores the ways for establishing a perfect system of group accident insurance, safeguarding lives of employees, improving the labor-capital relationship, providing enterprises a channel for risk transfer and helping them to improve their performance and reduce costs based on the mechanism of insurance market, and creating a business environment for fair competitions with reasonable toll rate . The aim of the research is to realize the difference among Non-Life insurance and Life insurance companies , and to make market segmentations and differential marketing through product marketing channels , underwriting ,reinsurance , claims settlements and company performances; moreover , integrating terms and simplifying administration processes to provide better services to customers , thus creating profits for enterprises and further promoting the development of the related industries are also the expected effect to reach from the research . At last , we propose conclusion and recommendations as references in operations for future insurers and entrepreneurs .
