我國產物保險傷害與健康保險經營困境之研究

The Study of Dilemma of the Personal Accident and Health Insurance Business Operation for Non-Life Insurance Industry in Taiwan

蘇宥錫(Yu- Hsi Su)

指導教授 ： 賴曜賢

淡江大學/商管學院/保險學系保險經營碩士班/碩士(2016年)

https://doi.org/10.6846/TKU.2016.00386

摘要

我國早期保險法規定，傷害保險與健康保險歸屬於人身保險業經營，然民國八十六年時，立法院修正保險法第一百三十八條規定，允許產物險業得以附加契約經營傷害保險，而後於九十年之修法，讓產險公司得以主契約販售傷害保險，進而於九十六年同意產險公司經營健康保險，短短十年產險業多出兩樣新種業務，經營至今究竟有無為產險公司帶來絕對性的好處，以及對壽險公司有否帶來影響，本文研究重點。
本文先從保險法第一百三十八條之修法沿革開始著手，進而探討傷害險健康險之種類、特性。進而就業務量、損失率、費率來對產險業與壽險業經營此二保險險種進行分析，以檢視其經營業績與績效。最終以產壽險業經營此二險種之條件與策略來做比較、分析，找出產險業經營此二險種時所面臨之困境。最終再將以上研究做出結論並提出建議以作為產險業者之參考。

關鍵字

傷害保險 ； 健康保險

並列摘要

It’s been a long time that the personal accident and health insurance business can only be operated by life insurance industry in Taiwan according to early Insurance Law. But in 1997¸ the Article 138 was modified that the non-life insurance companies could be allowed to operate personal accident insurance business with attachment style to other insurance product. Further, the non-life insurance industry was allowed to operate the personal accident business independently in 2001. And 6 years later, the Government approved furthermore the non-life insurance industry to operate health insurance business. Thus, both life and non-life insurance industries can operate personal accident and health insurance business concurrently since 2007. In this paper, we try to find if the operation of both personal accident and health insurance business is really good for the new comers, non-life insurance companies. Also, whether or not the life insurance industry operating these two new business is affected by the competition of non-life insurance industry.
This thesis began with the movement of modification of the insurance act article 138, then we investigated the kinds and the characteristics of personal accident insurance and health insurance, and further analyzed the business volume, loss ratio and insurance rate of both non-life insurance industry life insurance industry in personal accident insurance and health insurance business, in order to realize advantages and disadvantages in operating these two insurance for non-life insurance industry. Then, we compared the conditions and the strategies of operation of non-life insurance industry with these of life insurance industry, to find out the dilemma that non-life insurance industry operates personal accident and health insurance. Finally, we made conclusions and suggestions to non-life insurance industry, hopefully they could take these suggestions into consideration.

並列關鍵字

Personal Accident Insurance ； Health Insurance

參考文獻

16. 蕭美華，消費者購買傷害保險消費意願之研究，2011年，銘傳大學論文

17. 謝慧齡，我國產險公司經營商業健康險之探討，2009年，淡江大學碩士論文

18. 羅張亮，產險業經營健康保險之研究：消費者需求觀點，2008年，淡江大學論文

3. 林國欽，產險業經營健康保險之核保與理賠問題之研究，2007年，淡江大學論文

7. 張傑昌， 產險經紀人經營個人傷害保險行銷行為之研究，2006年，淡江大學論文