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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32380

    Title: 團體保險的購買行為分析 : 以高科技產業為例
    Other Titles: A study on the factor for high-tech industry to purchasing group insurance
    Authors: 施文通;Shih, Wen-tung
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    郝充仁;Hao, Chung-jen
    Keywords: 團體保險;員工福利;高科技產業;購買因素;Group Insurance;employee’s benefit;High-tech industry;purchase factor
    Date: 2009
    Issue Date: 2010-01-11 02:03:25 (UTC+8)
    Abstract: 團體保險發展至今已有38年歷史,近幾年來注重員工福利的高科技產業已成為未來台灣產業發展的重心,並且藉由策略聯盟或合併產生了龐大的企業團體,並具有強大的議價能力。而保險公司在相關法令的限制下,無法擴大團體保險的業務來源,於是在團體保險行銷策略上,淪為以價格競爭的紅海市場,造成團體保險市場的瓶頸。
    Group insurance has been developed for 38 years. In recent years, high-tech industry, which emphasizes on the benefits of employees, has become the focus of Taiwan’s industrial development. Through strategic alliance or mergers of companies, huge business groups with strong bargaining power are formed. However, insurance companies under restriction of relevant laws are not able to expand sources of group insurance business. As a result, group insurance has become a Red Sea market with price competing strategy, causing a bottleneck for group insurance market.
    This research aims to induce the important factors of the purchase of group insurance in high-tech industry. It is accomplished based on domestic and overseas research design by interviewing with group insurance undertakers in high-tech industry. Through the interviews, it was discovered that price is not the only and most significant concern in group insurance. The importance of the financial situation of the insurance and its administrative operations and added-value are higher than the price factor in purchase behavior of group insurance.
    Main recommendations concluded from the research are as followed:
    1.For the authority
    A.Legislate on group insurance
    B.Define “group” in a clear way
    C.Establish rules on premium rate of group insurance
    2.For insurance companies
    A.Strengthen financial structure within the company
    B.Use innovative added-service and stable administrative operations as main competitive strategies
    C.Make profits through selling domain-based commodity by specialized staff
    Appears in Collections:[Graduate Institute & Department of Insurance Insurance] Thesis

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