碎片化保單發展探討—借鏡中國市場經驗

受到現今消費者較追求客製化服務和共享經濟出現，以及保險科技發展和長尾理論影響下，保險公司採用新的商品設計模式，此為碎片化保單。其具有保險期間短、針對特定人或事物服務、可解決場景風險和根據潮流設計四大特性。為更了解碎片化的特色、設計原則和所應用技術，本研究對較早發展碎片化保單的中國市場中的相關保險商品進行分析，並將其分成消費、生活、健康、旅遊、汽車、專業六大場景後說明各自特點。此外，本研究也探討中國對於碎片化保單的政策和法規，以及如何處理其引發的設計和銷售不當問題。最後再與台灣現行的碎片化保險商品和相關法規政策比較後，提出台灣目前監管環境和商品設計銷售上可改善的地方，以及未來能發展的新興險種種類。

關鍵字

碎片化保單；場景保險；保險科技；互聯網保險；保險商品法規

並列摘要

Due to the growing demand for customized services and the emergence of the sharing economy, coupled with advancements in insurance technology and the influence of the long tail effect, insurance companies have adopted a new product design method known as fragmented insurance. These policies are characterized by short insurance periods, tailored services for specific individuals or entities, the ability to address situational risks, and design based on trends. In order to gain a deeper understanding of the characteristics, design principles, and applied technologies of fragmented insurance, this study analyzes relevant insurance product cases in the Chinese market, which was an early adopter of fragmented insurance policies. These cases are categorized into six major scenarios: consumer, lifestyle, health, travel, automotive, and professional, each with its own unique features. Additionally, this study explores China's policies and regulations regarding fragmented insurance , as well as how to address improper design and sales practices they may give rise to. Furthermore, the study compares Taiwan's existing fragmented Insurance and related regulatory policies, identifies areas for improvement in Taiwan's current regulatory environments and product design and sales practices, and suggests potential new types of insurance products that could be developed in the future.