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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32359

    Title: 傷害保險理賠個案之研究
    Other Titles: Research of the accident insurance adjustment case
    Authors: 楊勝州;Yang, Sheng-chou
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    廖述源;Liao, Shuh-yuan
    Keywords: 傷害保險;個案研究;理賠爭議;accident insurance;Case Study;claim disputation
    Date: 2009
    Issue Date: 2010-01-11 02:01:43 (UTC+8)
    Abstract: 傷害保險因相對具有低保費、高保障之特色,近年來已成為國人風險移轉工具。政府自民國90年開放產險業銷售傷害險以來,傷害險保費在保險公司營收早已占舉足輕重之地位。伴隨著消費者保護意識高漲與保險商品多元化暨複雜化之影響,傷害保險之理賠糾紛亦與日俱增,類似爭議案件泰半皆透過法院訴訟程序而與保險公司對簿公堂。在眾多之傷害保險理賠紛爭,不僅造成被保險人曠日費時,同時亦不符合消費者迫切需要理賠金來保障其經濟生活安定之期待。
    Due to lower premium and higher security, accident insurance has been used to hedge against the risk of a contingent loss. Since Taiwan government approved accident insurance market in 2001, it has played a very important role for insurance company’s revenue. However, the rising of consciousness of protection and variety and complexity of insurance products are increasing insurance disputes. Majority of them has become a lawsuit. The duration of lawsuits delays claim payments. These delays are detrimental to confidence of insurance.
    For protecting individual insured privileges and decreasing insurance disputes, this thesis is only included individual accident insurance not included group accident insurance. Using objective analysis clears the truth. Also, focus on the arguments and investigate the causes. The thesis is based on several value cases. Collecting and analyzing case by case. The purpose of this research is to provide the individual the correct insurance concept. In the meantime, the research provides insurers information to correct insurance products to settle disputes in a timely manner.
    Appears in Collections:[保險學系暨研究所] 學位論文

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