年金改革對公立學校教職員購買商業保險的影響之研究

我國「公立學校教職員退休資遣撫卹條例」已於2017年6月29日立法院三讀通過，並將於2018年7月1日施行，勢必對公立學校教職員退休規劃造成一定程度之影響；同樣也必引發保險銷售人員的重視，並利用於保險行銷。本研究旨在探討此一變革是否會改變公立學校教職員的保險購買行為。本研究變數資料之取得採發放問卷方式，回收有效樣本數為356份。問卷回收後以SPSS統計軟體進行資料統計分析方式，採敘述性統計、交叉分析、單因子變異數分析等方式，以探討研究之結果。統計分析結果顯示，大部分受訪者是關注年金改革議題，但也有近半的受訪者卻不太了解退休制度改變的內容。大部分的受訪者不認同政府此次年金改革，而且認為年金改革將影響自身的退休規劃，同時也為老年生活所需花費及醫療照護感到煩憂。大部分的受訪者認為，延後月退休金起支年齡、調整退休金計算基準（最後15年平均)、調降退休所得替代率等，會影響自身的退休規劃。對於現在或一年內購買商業保險的意願，超過半數以上的受訪者對醫療險、年金險、儲蓄險、長期照護保險、投資型保險的意願是不變的。約20%的受訪者現在或未來一年內購買醫療險、年金險、儲蓄險、投資型保險意願是增加的，約37%的受訪者對長期照護保險購買意願傾向是增加的。

關鍵字

年金改革；保險

並列摘要

In Taiwan, “Act Governing Retirement, Severance, and Bereavement Compensation for the Teaching and Other Staff Members of Public Schools” was passed by the Legislative Yuan on June 29, 2017, and will be put into force on July 1, 2018. This result will exert a measure of influence over the retirement plan of public school staff. On the other hand, the insurance sales will put more attentions and work out plans related to the law in insurance marketing. The purpose of this research is discussing this transform may change the insurance purchase behavior of public school staff or not. In this research, the way of data collection is providing questionnaire survey, and retrieved total 356 valid samples. Meanwhile, the empirical data was performed using SPSS statistic software and analyzed by descriptive statistics analysis, cross analysis, reliability analysis, and one factor variable analysis, to discuss the results of this research. The results of this research show that most respondents concerned about pension reform issues, however, nearly half of respondents don’t understand the change of the retirement system. Most respondents refused to identify with this pension reform promoted by the government and believed that the reform will affect their retirement planning. At the same time, they also worry about spending and medical care for their elderly lives. Most respondents believed that delaying the started age of monthly pension payment, modifying the pension calculation base (the last 15 years average), and lowering income replacement ratio will affect their retirement planning. Now or within one year, as to the willing of purchasing commercial insurance, more than half of respondents will not change their wills to purchase about medical insurance, annuities insurance, endowment insurance, long-term care insurance and investment-linked insurance. About 20% of respondents will increase their purchase intention of medical insurance, annuities insurance, endowment insurance, and investment-linked insurance. On the other hand, the purchase intention of long-term care insurance is increasing over 37%.