產、壽險旅行平安保險差異性之研究

近年來經濟的發展與自助旅遊的興起，國人國外旅遊人數屢創新高，伴隨著旅遊的盛行，旅行途中面對種種的意外與風險要如何避免與轉移，投保旅行平安險就成為其中最適當的一種方式。本研究藉由彙整國內產、壽險旅行平安險在行銷通路、保險商品、異業結盟及科技運用等四方面狀況，予以深入了解，分析產、壽險在各方面之優、缺點及差異性，進而提供作為國內各保險公司推廣旅行平安險之依據參考。根據研究結果發現: 一、購買旅行平安險壽險業非優先選擇。二、消費者對產險旅行平安險商品逐漸熟悉。三、產、壽險公司旅行平安險對科技的運用依賴加深。四、旅行平安險投保管道不再侷限於業務員通路。

關鍵字

旅行平安保險；產險公司；壽險公司

並列摘要

Recently, the amount of travelers who going abroad is getting higher and higher according to the economic development and the raise of individual travel. The travelers might face different kind of accidences and consider how to avoid of risks and how to transfer, and they could choose one of the best way is to buy the travel accidental insurance. The researcher explored and analysed the advantages, disadvantages and differences according to data collections from the differences between domestic property insurance and life insurance company as the following four aspects, marketing travelling, products of insurance, cooperation among different fields as well as the use of technology. There are four research findings as following. First, the customers buy the travel accidental insurance and they don’t take the life insurance company as their first choice. Secondly, the customers are getting familiar with the products of travel accidental insurance. Thirdly, both the life insurance company and non-life insurance company have being depended the use of technology. Fourthly, the ways of buying travel accidental insurance are no more limited by the salesmen