- 學位論文
消費者施打疫苗態度與購買疫苗保險意願之分析
Analysis of Consumers’ Attitudes to Vaccination and Their Willingness to Purchase Vaccine Insurance
摘要
近兩年來全球受COVID-19疫情之影響導致確診和死亡人數不斷攀升。為了盡快達到群體免疫的目標，施打疫苗是最有效率的方式之一。由於疫苗研發的速度和過往疫苗相比較快速，在後續施打新冠疫苗時出現嚴重不良事件反應與副作用，讓民眾施打疫苗時面臨兩難抉擇。為了因應施打疫苗的風險，保險公司推出疫苗保險以滿足消費者希望移轉疫苗施打副作用之風險。本研究為探討消費者施打疫苗態度與購買疫苗保險意願，蒐集652份有效問卷，以疫情風險認知、疫苗風險認知、客觀健康(慢性疾病、使用健保頻率)、主觀健康(保健身體習慣、健康檢查習慣、自我健康認知)以及個人屬性作為解釋變數，進行卡方檢定、t檢定、單因子變異數分析以及羅吉斯迴歸分析，以探討該影響因素與被解釋變數間的關係。 實證結果顯示，在施打疫苗態度方面超過八成的消費者願意施打第三劑疫苗，且子女數2人、疫情風險認知呈現顯著正相關；疫苗風險認知與每週至少使用一次健保呈現顯著負相關。在購買疫苗保險意願方面近五成的消費者有意願購買疫苗保險，且子女數為1或2人、金融保險業、平均月收入高、疫情風險認知、疫苗風險認知呈現顯著正相關；有保健身體習慣呈現負相關。希望本研究論文之研究成果能夠有利政府了解哪些族群需要對其增加施打疫苗之教育宣導以提高該族群之風險意識。同時有助於保險公司發現影響消費者購買疫苗保險的因素，以利後續推廣與調整疫苗保險提供參考。
並列摘要
In the past two years, the global epidemic of COVID-19 has led to an increasing number of confirmed cases and deaths. In order to achieve the goal of mass immunization as soon as possible, the vaccination is one of the most efficient ways. As side effects of COVID-19 vaccine, it is difficult for people to decide whether they have accepted COVID-19 vaccine or not. In response to the trend of vaccination, insurance companies have introduced vaccine insurance to meet consumers' desire to transfer the risk of vaccine side effects. In this study, 652 valid questionnaires were collected to explore consumers' attitudes towards vaccination and willingness to purchase vaccine insurance. At the same time, we take epidemic risk cognition, vaccine risk cognition, objective health (chronic diseases, frequency of using health insurance), subjective health (health care habits, health examination habits, self-health cognition) and personal characteristics as explanatory variables. Also, Chi square test, t-test, one-way ANOVA and Logit regression analysis were conducted to explore the relationship between these influencing factors and the explanatory variables. The empirical results show that more than 80% of consumers are willing to take the third dose of vaccine in terms of vaccination attitude, and there is a significant positive correlation between two children and the awareness of epidemic risk; There was a significant negative correlation between the awareness of vaccine risk and the use of National Public Health Insurance at least once a week. In terms of willingness to buy vaccine insurance, nearly 50% of consumers are willing to buy vaccine insurance. The factors including the number of children is 1 or 2, the financial and insurance industry, high average monthly income, epidemic risk awareness and vaccine risk awareness are significantly positively correlated with the willingness to purchase vaccine insurance. Furthermore, there is a negative correlation among health care, physical habits and the willingness to purchase vaccine insurance. Wish these results-help the government understand which groups need to be educated to increase vaccination and to improve their risk awareness. At the same time, it also helps insurance companies find out the factors that affect consumers' willingness to purchase vaccine insurance, so as to provide a reference for the follow-up promotion and adjustment of vaccine insurance.