- 學位論文
殘扶險投保意願之因素探討：以台灣北部地區為例
A Study on Purchase Intention and Preferences of Commercial Disability Support Insurance in the Taiwan Northern Region of Taiwan
摘要
因人口老化、家庭型態轉變、疾病型態轉變，使得殘廢扶助保險逐漸成為一個重要的議題，民國83年台灣的老年人口已超過7%的門檻。在民國107年老年人口已占達總人口的14%，正式進入高齡化社會，並預計在民國114年將達到20%，成為超高齡的社會。我國政府也越來越重視老年人的照護，目前雖有提供長期照護的相關保險給付，但仍不夠周全，所以鼓勵民眾購買保險公司提供的商業保險來補足。保險公司推廣長期照顧保險已有多年，但種種因素導致市場接受度不高，所以銷售量一直不佳。近幾年有保險公司推出殘廢扶助保險，訴求長期照顧保障功能，與長期照顧保險相比，保費較為低廉，且殘廢等級的理賠認定較為明確。104年底商品推出後，短時間內銷售量即超過長期照顧保險。 本研究為探討壽險公司因素，對顧客購買保險商品購買的影響，主要是參照鄭琇文(2017)，並加入公司因素影響之構面。本研究收集90份問卷， 採用項目分析、Pearson相關分析、因素分析、變異數分析等方法，探討公司品牌（形象面）、產品（服務面）和客戶感受面等三大構面，對於殘廢扶助保險購買意願的影響。 研究結果分析結果顯示： 1. 由因素分析將14個購買因素萃取出兩大成分，一是公司形象因素，二是業務員因素，然而業務員因素占民眾購買的意願最高。 2. 大多數的人購買保險商品主要是受到消費者情緒影響，最在乎個人感受面。 3. 經研究發現民眾主要是因為業務員而影響購買意願，與保險公司的規模及對殘扶險的熟悉度無太大關係。
並列摘要
Abstract Disability Support (DS) insurance becomes an important insurance product recently. In 1993, the percentage of elderly people had reached 7% of the entire population of Taiwan. The ratio of aged population will continue to increase to 14.6% in 2018 and 20.1% in 2025. With the increasing elder populations in Taiwan, the government pays more attention to the needs of long term healthcare services. However, it is not enough for all-round-services for customers. Therefore , to satisfy this need, each insurance company provided long term healthcare insurance years ago. In recent years, some insurance companies introduce DS insurance that stresses long-term care protection. Premium of such products is relatively low in comparison with long-term care insurance. Besides, their benefits are more clearly defined because they are determined based on the degree of disability. DS insurance products have been warmly received by the market since their launch. Sales of DS insurance have surpassed that of long-term care insurance in a short period of time. Following Zheng (2017), we use the factor analysis. Besides, we add to a company dimension to our analysis. This study retrieved back 90 copies of questionnaire, using validity, reliability, Pearson's correlation, factor analysis, analysis of variance to analyze. This study of the three major aspects of image for the company, product and service quality and customer sentiment on commercial disability support insurance, the brief of results were as below: (1)In general you can split them in two categories：image for the company and salesperson. (2)The role of emotions in buying insurance. (3)Influences the decision of study subjects to purchase protection, salesperson is one of the main reasons.