| 摘要: | 「微型保險」一詞已躍居成為國際保險市場的新顯學，變成各國政府在處理低收入弱勢族群的另項重要工具及手段，而成為國際保險市場未來重要的發展新藍海。
國內產、壽險業者承保之微型保險被保險人人數，截至99年底累計已達2萬1千餘人，總累積承保保額亦已超過新臺幣61億8千萬元。代表超過2萬1千名之經濟弱勢民眾已獲得微型保險所提供之基本保險保障。然而，是否就代表著未來微型保險的實質或潛在的客戶就是非常貧窮的人來購買？基於此觀點，微型保險在針對核保面、行銷面、保單條款用詞面、保險理賠面及危險管理面等等，都須加以調整以因應不同的通路投保者。
保險需求為促使微型保險能發展的主因，亦是保險業者能否提供保險商品的最大誘因。此部份為本研究的理論研究基礎精神，同時，擴展延伸至相關保險成本補貼等方式，能否達到實質上更加推展微型保險的功能以及誘發保險業提供可獲得性的保險商品，以使實質的、潛在的、未來的保險需求者都能買到可支付性價格的保險保障，都是微型保險面臨成功與否的重要關鍵。
本研究同時透過同文同種的對岸-大陸推展微型保險（小額保險）相關的措施及推行方式與經驗，期能提供我國臺灣初期在微型保險推展上的參考及借鏡比較，畢竟，在彼此相關往來密切的金融保險市場下，仍有其未來性的研究探討之必要性及關連性。
微型保險希望經營創造的環境是一種人人有需求，個個有保障的社會福利完備的體制。藉由微型保險的實行，而能在社會保險及社會救助的基礎下，構築成為完整的社會防護鐵三角。
“Micro-insurance” is a term increasingly used to refer to the new famous school within international insurance market, making it an alternative significant tool and means for every state government when dealing with problems generated from low-income households and disadvantaged groups, and it has a well become the new blue ocean of future development of international insurance market.
The number of the insured of micro-insurance of the domestic property & casualty and life insurance has reached a total of over twenty-one thousand people by 2010, and the total cumulative amount of insurance coverage has exceeded 6.1 billion and eighty million NT dollars, in other words, more than 20.1 thousand of disadvantaged people have received the basic insurance coverage provided by micro-insurance. However, does it mean every real or potential client whoever would purchase the micro-insurance in the future is indeed very poor? Based on this point of view, micro-insurance must adjust to respond to the insured from different channels in accordance with the underwriting side, marketing side, policy terms, insurance claims, and risk management side, etc.
Insurance needs is the major cause that induces the development of micro-insurance, as well as the greatest incentive to determine if the insurance industry is able to provide insurance products. This part represents the basis of the spirit of the theory of this study, at the same time, can approaches that expand and extend to the related insurance cost subsidies achieve the developing function of micro-insurance and induce insurance industry to provide available insurance products to enable real, potential, and future insurance demanders purchase affordable insurance protection, for these are keys to the success of micro-insurance.
In the meantime, this study has also adopted the related measures and experiences concerning the micro-insurance promoted by the Mainland, and hoped to provide references and comparisons to the initial micro-insurance development of Taiwan. After all, among financial and insurance markets which are close and related to each other, there is the future of the necessity and relatedness.
Micro-insurance is aiming at creating an environment of a complete social welfare system where every individual is free to pursue, demand, and be guaranteed. With the implementation of micro-insurance and under the foundation of social insurance and social assistance, together making it a social protection triangle. |
