我國團體保險市場自1971年發展至今已經37年，在投保人數與總保費收入上已有長足的進步；但近年來，由於國內政治問題不斷，國家競爭力衰退，致使外商投資怯步、中小企業倒閉、大型企業出走，團體保險市場的發展至此遇到瓶頸。在此不利的環境下，如何讓保險公司的業務持續發展？如何讓企業團體能以較低廉的成本繼續為員工辦理團體保險？如何讓員工繼續獲得團體保險的保障？「自費團體保險」是一個逐漸被採用的方式之ㄧ。 本研究利用個案研究方式，統計分析員工及其眷屬的投保與理賠狀況，探討實際經營中員工與眷屬在幾項風險因子中的反應與改變，同時探討被保險人面對保費調整前後的投保行為改變與意涵；雖然僅是個案研究結果，但為使「自費團體保險」得以良性運作與長期發展，在本文的最後並對保險公司與企業團體提出幾項經營「自費團體保險」的建議。 For the past 37 years, from 1971, the group insurance market in Taiwan had been growing so rapidly that the number of insureds and the volume of premium income had increased significantly over the years. However, in recent years, worsening economic condition and political issues have impeded foreign investments and forced many domestic companies to close operation or relocated their factories and employees to other countries seeking for more favorable profits. And, in consequence, this trend will inevitably affect the group insurance market in Taiwan. Under this unfavorable situation, the “Voluntary Group Insurance” may be the answer to revitalize the market, in that it will provide lower insurance premium for the insureds and their independents. This study examines claims experience of those insured under group insurance policies, surveys the insured and their dependent’s reaction towards the adjustment of premium and several other risk factors. In order to facilitate the adoption and for the development of “Voluntary Group Insurance”, this study offers some suggestions for insurance companies those are interesting in this new business.
