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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87358

    Title: 壽命延長與風險態度對於長期看護保險需求行為之分析
    Other Titles: The impact of life expectancy and risk attitude on demand for long-term care insurance
    Authors: 莊雅雯;Chuang, Ya-Wen
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 長期看護保險;風險趨避;Long-Term Care Insurance;risk aversion
    Date: 2012
    Issue Date: 2013-04-13 10:59:26 (UTC+8)
    Abstract: 台灣社會結構面臨人口高齡化、少子化、單身化的問題,醫療水準的進步導致壽命的延長,使得長期看護的需求增加。
    Since Taiwan society is faced with the problem of an aging population and the low birth rate, the demand of long-term care services and products has gradually increased.
    The commercial long-term care insurance provides an alternative way to mitigate the possible dangerous situation for disable persons. There are eight life insurance companies to sell a commercial long-term care insurance in the end of 2010.However, only 1.4 percent of the people in Taiwan have bought the commercial long-term care insurance. That is to say, the purchase rate of the commercial long-term care product is very low, which indicates that the people in Taiwan have less awareness for for long-term care risk.
    This study conduct a questionnaire survey to investigate the relationship among the life expectancy, risk attitude and the demand for the commercial long-term care insurance By descriptive statistics, One-Way ANOVA and chi-square test for the subjects, the empirical results have shown as follows.
    1. People although a young man can afford to buy, but lack of awareness of long-term care risk. Until the age a little longer there are interested in purchasing, but the premiums are too expensive, cause people long-term care insurance for low degree.
    2. Commercial long-term care insurance compared to the general medical insurance to use fewer opportunities, but their premiums higher, thus affecting the general population insured wishes.
    3. State of determined long-term care is not easy, leading to the low level of purchase intention.
    4. Compared with other insurance, commercial long-term care insurance products more complex, affecting the will of the salesmen sell.
    5. Have purchased the business long-term care insurance people, mostly high probability of conscious escape from danger, and thus the problem of adverse selection.
    Appears in Collections:[保險學系暨研究所] 學位論文

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