摘要
自行動裝置保險商品於2018年01月開賣以來，該商品已受到我國產險市場高度注目，隨著智慧型手機的快速普及和功能的提升，使行動裝置保險的保費收入已成為產險業者不可忽視之業務。 本文採用文獻分析法、比較研究法並輔以專家訪談法，用以探討目前國內各產險業者所報部之行動裝置保險條款及附加條款，以及分析該險種目前之經營商機與困境等問題，並透過受訪專家們瞭解其該險種之損失風險和經營風險。 本研究發現我國13家產險公司行動裝置保險條款之承保範圍內容同質性高，且部分用詞不易為消費者理解，應使用淺顥易懂之用詞，以避免理賠糾紛。另本研究亦發現目前產險公司正面臨行動裝置保險損失率偏高、危險逆選擇和道德風險等問題。基此，產險業者應強化其核保程序、慎選合作通路及投保人、釐訂合理的保費、訂定合理的自負額、強化理賠審核和調查機制，以防止危險逆選擇與道德危險之發生。本研究期望能有效提供產險業者決策資訊，以作為產險公司擬定行動裝置保險行銷策略之參考。
並列摘要
Since the mobile device insurance product was launched in January 2018, this product has attracted great attention from the property insurance market in Taiwan. With the rapid popularization and function improvement of smart phones, the premium income of mobile device insurance has become a major factor in the property insurance industry. A business that cannot be ignored. This article adopts the method of literature analysis, comparative research and supplemented by expert interviews to discuss the current insurance clauses and additional clauses of mobile devices reported by various domestic property insurance companies, and to analyze the current business opportunities and difficulties of this type of insurance, etc. And through the interviewed experts to understand the loss risk and business risk of the insurance. The study reveals a high degree of homogeneity in the coverage content of mobile device insurance policies among the 13 property and casualty insurance companies in Taiwan, Additionally, it identifies that some terminologies used in these policies may not be easily understood by consumers, necessitating the use of clear and easily comprehensible language to avoid claims disputes. Furthermore, the research identifies that property and casualty insurance companies are currently facing challenges such as high loss ratios, adverse selection, and moral hazards in the mobile device insurance market. Based on these findings, insurance providers should strengthen their underwriting procedures, carefully select distribution channels and policyholders, establish reasonable premiums and deductibles, and enhance claim review and investigation mechanisms to mitigate the risks of adverse selection and moral hazards. This research aims to provide valuable decision-making insights to insurance companies and serve as a reference for developing effective marketing strategies for mobile device insurance.