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https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/44511
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| Title: | 信用卡綜合保險之研究 |
| Other Titles: | A study of Credit Card Comprehensive Insurance |
| Authors: | 郭潔蓓;Kuo, Chieh-pei |
| 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: | 信用卡綜合保險;信用卡;旅行不便險;Credit Card Comprehensive Insurance;Credit Card;Travel Inconvenience Insurance |
| Date: | 2009 |
| Issue Date: | 2010-03-16 10:33:15 (UTC+8) |
| Abstract: | 配合民眾消費型態明顯改變，國民生活水準不斷提升，信用卡的附加功能包括高額保險保障、道路救援、免費停車、全球救援服務、機位免費升等、購物折扣、刷卡紅利積點回饋…等，信用卡屬於服務型產品，在信用卡的有形商品無明顯差距情況下，消費者更在乎的是發卡機構所提供的服務及附加價值，而發卡機構透過增加附加價值或提供差異化服務，增加消費者辦卡及刷卡消費的誘因。
現有的發卡機構（銀行）幾乎均有提供保險的功能，尤其在近年來信用卡市場過度競爭的情況下，加上人們風險意識高漲，發卡機構提供給消費者（持卡者）的保障逐年增加，其內容包括旅行不便保險、旅行平安保險、旅行全程保障保險…等，稱之『信用卡綜合保險』，較為特別的是該險種所提供的保障並不是由持卡者（被保險人）去選擇及投保，而是以發卡機構（銀行）為投保單位向產物保險公司進行投保，進而提供給消費者（持卡者）保障權益，關於這個特殊的投保運作機制，涉及是否有保險利益之層面，再者國內的信用卡綜合保險市場隨著信用卡的發卡量及保險金額的增加，但所收取之保險費卻呈現逐年下降之趨勢，以上議題將透過本研究報告給予說明。
本研究透過分析信用卡綜合保險之保障內容，並進一步探討該險種之經營概況，以提供產物保險公司及發卡機構（銀行）參考與運用，以期國內的信用卡綜合保險經營制度能更完善。
In line with the obvious change of consuming type and a higher standard of living, the coverage of Credit Card Comprehensive Insurance include a high liability of indemnity, free roadside rescue service, free parking, emergency assistance service, air flight upgrade, shopping discount, reward program of credit card etc. Credit card is attributed to one kind of service products. Under a subtle difference in products rendered amongst the credit card organizations, consumers express more concerns about the service and added value provided, which lead to an increased number of cardholders and expenditure by credit cards.
Nowadays, most of the credit card banks provide insurance protection. Especially, in view of a fierce competition of credit card market and increased risk awareness, the credit card organizations provide their customers with more protection, which includes Travel Assistance, Medical Assistance and Legal Assistance etc, the so-called Credit Card Comprehensive Insurance. Instead of the cardholder’s selection and purchase of this insurance policy, the credit card organizations negotiate and purchase the insurance program with the insurers directly. With regard to the subjects related to Insurance Interest of this insurance mechanism and an insufficient premium against a drastic growth of the number of cards and an increase of limit of indemnity, the research will further address them.
The research also further discusses the operational status by way of the coverage analysis of Credit Card Comprehensive Insurance, which are a good reference to the non-life insurers as well as are of assistance to improve their optimal operation for this line of business. |
| Appears in Collections: | [風險管理與保險學系] 學位論文
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