本研究首先針對校園公共意外及投保概況進行探討與分析，勾勒出本研究之設計方向及架構。接著研擬出校園綜合保險之要保書、保險單、基本條款以及附加條款，再探討本保險之經營，從核保、再保、理賠等三構面加以說明，最後提出本研究之結論與建議，作為相關主管機關及保險業者未來開發校園綜合保險之參考。 With the economic development and social change, the risks that schools face increased. School injury not only affects the stability and development of school, but also the impact of social perception. Since 2010,the general and vocational high school and below required public liability insurance forcibly. However, Coverage objects of public liability insurance are only divided into six categories according to the nature of business. If all places are the same types of insurance coverage, the coverage will inevitably be on the protection gap. Besides,There is no reasonable connection between premium and risks. Based on this problem, the study designs a comprehensive insurance policy to protect schools from any risks of all schools that may be faced. The policy can improve school risk management, and reduce the social costs of waste.
First of all,the study analyzes risks exposure of schools and the insured status information to illustrate the main framework of comprehensive policy of school insurance. Second,the study designs the school insurance policy, and makes a description of management. The study ends in conclusions and suggestions to put a new view on insurance industry and government for developing school insurance in the future.