台灣手機保險市場發展之研究

在科技的快速發展下，智慧型手機憑藉著強大的便利性與功能性，已然成為全球市場上最蓬勃發展的產業之一，相對應的周邊產品也隨之誕生，手機保險亦是其中之一。惟手機保險是由電信業者經營已久之手機保固服務轉型而來，產險業者對於該業務之經營與市場情況並不熟悉，是故一直以來都並未投入心力來經營。然而近年來，手機保險可觀的保費收入已然使手機保險成為產險業者不可忽視之業務。本研究依據透過文獻回顧、市場商品調查了解手機保險市場情況，並向業界人士提出相關議題後訪談得到下列結果：一、自手機保固服務轉型以來，社會大眾對於行動裝置保單接受度很高，且未來仍有很大的成長空間。二、與手機保險未來可觀的潛在的市場相比，產險公司投入的資源相對於不足。三、電信通訊產業經營保險業務不僅對雙方均有益處，亦可提升社會大眾對於保險的認知，主管機關應予以鼓勵。

關鍵字

手機保固；手機保險；行動裝置保險

並列摘要

With the rapid development of science and technology, smart phones have become one of the most booming industries in the global market with their powerful convenience and functionality, and corresponding peripheral products have also been born, including mobile phone insurance.However, mobile phone insurance has been transformed from the mobile phone warranty service that has been operated by telecom operators for a long time. Property insurance companies are not familiar with the operation and market conditions of this business, so they have not devoted themselves to the operation. However, in recent years, mobile phone insurance has Considerable premium income has made mobile phone insurance a business that property insurance companies cannot ignore. This research is based on the understanding of the mobile phone insurance market through literature review and market commodity surveys, and the following results are obtained after interviewing relevant issues to industry players: 1. Since the transformation of mobile phone warranty services, the public has a high acceptance of mobile device insurance policies, and there is still a lot of room for growth in the future. 2. Compared with the considerable potential market of mobile phone insurance in the future, the resources invested by property insurance companies are relatively insufficient. 3. The operation of insurance business in the telecommunications industry is not only beneficial to both parties, but also enhances the public's awareness of insurance. The competent authority should encourage rather than restrict it.