| 摘要: | 2009年在聯合國的氣候變遷會議上，印度總理英迪拉‧甘地提出了一個問題：『貧窮與需要難道不是最大的污染？』 貧窮既是環境退化的主要原因，也是環境退化的主要後果。」在2000年聯合國提出千禧年八大目標，最首要也是最重要的目標是希望在2015年能讓世界上貧窮人口數減少一半，因此這也成為微型保險揭開序幕最重要的開端。
目前商業保險市場的目標客群皆是以金字塔中上階層為主要對象，但這並不代表低收入戶沒有保險需求或者沒有開發潛力，因而藉由本研究介紹微型保險的定義、營運策略、行銷創新概念以及實行微型保險頗有成效的印度。金字塔底層的市場開發也逐漸發酵，「微型」的通路概念將愈來愈被重視，落實對低所得經濟弱勢民眾之照顧及協助，建構健全之社會安全網考量，對國內保險業而言，微型保險的發展空間是新的保險市場藍海。
本研究經由文獻之整理、歸納及分析，並依據修正式德爾菲專家問卷調查方法，彙整產品銷（通路）售端及產品生產（保險公司）端兩不同族群專家們意見，經兩次調查問卷資料結果後，提出相關研究主題之結論與建議，供後續研究者參考。希望藉由微型保險能達到社會經濟的穩定，創造出政府、保險公司和金字塔底層（弱勢族群）三方共贏的局面。
At the climate changes meeting of the United Nations, Indian Premier Inty draws Gandhi and puts forward a question in 2009: "Poverty and pollution needing not to be just greatest?” The poverty is a main reason why an environment depredates, and the main consequence that an environment depredates too. The United Nations proposed eight major goals in 2000, the most primary and also the most important goal is to hope to make the poor numbers of people in the world reduce by half in 2015, so this becomes micro-insurance and opens the most important beginning of prelude.
At present goal guest of the business insurance market group all regards middle and upper stratum of the Pyramid as the main target, but not represent the low income one has no demand of insurance or has no potentiality to be exploited, therefore this research for introduce definition, operating strategy, innovative concept of marketing of the micro-insurance and India with quite effective micro-insurance. The ground market of the Pyramid developing gradually, the concept of micro channel will be attention, and the economic people of the low income build and construct the sound social safety net to consider, the development space of the micro-insurance is the Blue Ocean of insurance market as the domestic insurance.
The documents via the arrangement, summing up and analyzing, and according to the Modified Delphi Method , the difference from the selling in the end and production (insurance company) gather together suggestions of experts after the result of twice questionnaires. Propose the conclusion and suggestion for follow-up researcher''s reference. To hope can reach the stability of social economy with the micro-insurance, creating the government, insurance company and the Pyramid of ground (weak grouping) win-win-win. |
