產險健康保險商品研發之研究

Research on the development of health insurance products in non-life insurance industry

楊佩齡(Pei-Ling Yang)

指導教授 ： 廖述源 ； 呂慧芬

淡江大學/商管學院/風險管理與保險學系保險經營碩士在職專班/碩士(2019年)

https://doi.org/10.6846/TKU.2019.00841

摘要

1995年實施全民健康保險後，開啓國人對健康保險需求的重要性觀念，同時也由於醫療水準的日益提高及明顯的人口老化現象，更突顯國人對商業性醫療保險的需求。
本研究主要針對2008年開放產險公司得經營健康保險後，產險業經營健康保險之現況分析，比較產險與壽險經營、國內外健康險商品差異，進而探討產險健康險商品研發考量因素，最後提出具體之結論與建議，以作為未來國內產險健康險商品研發方向之參考。

關鍵字

產險業健康保險 ； 健康保險商品研發 ； 產險健康保險經營

並列摘要

National health insurance was implemented in 1995, people started to notice the importance of health insurance afterwards. In the meantime, due to the improving medical standards and severe population aging phenomenon increases the demand for commercial medical insurance.

This study mainly analyzes the current situation of health insurance business in the property insurance industry after the restriction was lifted in 2008. We started by comparing the operation of health insurance in both property and life insurance industries and the difference of domestic health insurance products and abroad. Then we moved on to explore the factors of developing health insurance products that should be considered in property insurance industry. Finally, we proposed concrete conclusion and suggestion as a reference for future research and development of health insurance products in domestic property insurance industry.

並列關鍵字

Health insurance in non-life insurance ； Research of health insurance products ； Health insurance business in the property insurance industry

參考文獻

一、 中文部分

1. 呂慧芬，2013，日本實物給付型長期看護保險，保險經營論壇(九)

2. 吳崇睿，陳冠璟，黃品瑄，2015，壽險業應用大數據核保實務淺談，保險專刊第31卷第2期，P197-223

3. 吳崇睿，陳冠璟，黃品瑄，2017，Fintech浪潮下保險業因應之道 ，保險專刊第33卷第2期，P1-31

4. 李江，2017，健康管理的现状与发展策略，中国工程学2017年第19卷第2期