研究結果，限額型終身醫療健康保險在健康保險市場中具未來發展性，惟建議強化終身醫療健康保險與全民健康保險之互補，並增加限額型終身醫療健康保險之給付項目及額度，同時開發新型態的健康保險商品，提供投保大眾更適足的醫療保障，以繼續拓展與經營健康保險市場。 In 1995, Taiwan government established the National Health Insurance scheme in order to provide necessary health care to citizens. At the same time, this gave rise to the public need for commercial health care. Life insurance companies realized this huge market and the first policy for permanent medical insurance appeared in 1996. This product attracted other companies to enter the market and provide similar types of policy for customers. In 2002, insurance companies adjusted the product of permanent medical insurance from “unlimited amends” to “limited amends”. According to the rule of inspection points on life insurance products, the insurance companies stopped selling unlimited amends type of products instead of limited amends health care from September 1 2007.
From the insurance companies’ point of view, my research is focused on the needs of medical protection of the customers. By analyzing the statistical material collected from the Bureau of National Health Insurance, I would like to study the relationship between the deficiency of those medical protection and permanent medical insurance and provide the insurance companies with necessary information for designing diversified insurance products.
The result of my research is : there is a niche market for the limited amends type of permanent medical insurance. For the purpose of expanding and managing the health insurance market, my research suggests to strengthen the function of the permanent medical insurance to compensate for the deficiency of national health insurance. The final goal is to provide the public with sufficient medical protection by way of developing diversified products and providing more items and limit of limited amends of medical insurance for the entire life.