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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32295

    Title: 我國癌症保險理賠爭議之研究
    Other Titles: A study on claim dispute regarding cancer insurance in Taiwan market
    Authors: 洪彰欣;Hung, Chang-hsin
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    林麗銖;Lin, Li-chu
    Keywords: 癌症保險;理賠爭議;訴訟;申訴;Cancer insurance;Claim dispute;Lawsuit;Complaint
    Date: 2008
    Issue Date: 2010-01-11 01:56:50 (UTC+8)
    Abstract: 近年來國人罹患癌症比率節節上升,且癌症患者存活率之提昇亦造成治療期間延長,而癌症治療過程漫長及醫療費用高漲,已使得癌症保險成為每人必備保單之一,然癌症保險條款之相關名詞、承保範圍等,均有因定義不明以致於產生理賠爭議。
    In recent years, our compatriots suffering from cancer rate rises successively. Increasing cancer patient of survival rate lengthen the treatment period. The cancer course of treatment is long and hospitalization cost runs high. The situation makes the cancer insurance become one of everybody''s indispensable insurance policies. Because the relevant nouns of the cancer insurance clause and the insured coverage define fuzzily to cause the dispute happen.
    The research offers the insurance company suggestion to improve policy clause design and the claim administration stipulation objectively by illustrating the treating demand and expenses of cancer patients, inspecting underwriting and claim administration norm of the life insurance company, analyzing the letters of appointed clause, discussing actual claim dispute case, and gathering the article of appointed clause that implies the dispute. Expect the insurance company which could eliminate different interpretations of cancer insurance claim result with the policyholder to improve complaint ratio and promote its image.
    The research analyzes four types of cancer insurance claim dispute cases, including the definition dispute of suffering cancer, cancer operation, complication and cancer peaceful treatment. The main suggestion is as follows:
    1.The insurance company strengthens the propagating of cancer insurance to expand the popularity and increase insured amount.
    2.Make up the advisory group of medical care to offer the medical science professional suggestion of a dispute of claim settlement.
    3.Hold the meeting of the craft to discuss the method to the solution and improvement in disputes of claim settlement regularly.
    4.Draft the insurance demonstration clause of the cancer, and unify the norm of the characters and content of the clause.
    Appears in Collections:[保險學系暨研究所] 學位論文

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