- 學位論文
影響雲林地區消費者購買長期看護險因素之探討
Discussion on the Factors Influencing Consumers' Purchase of Long-term Care Insurance in Yunlin Area
摘要
本篇研究透過對雲林地區消費者隨機抽樣問卷的方式，對所取得之有效樣本，使用SPSS統計分析軟體來進行實證分析，研究結果顯示：一、消費者對長期照護有一定程度的認知，但在對影響購買長期看護險的意願上則無明顯的差異。 二、消費者在考慮購買長期看護險時，對於保險公司的規模、知名度、以及業務員服務和素質，還有在理賠內容的條件或依據標準上，基本上也沒有明顯的差異性；不過，在對於理賠內容的條件或依據標準上是以：(1)日常生活活動功能即巴氏量表或認知功能障礙或(2)依據(殘廢等級表)來認定，則有顯著的差異性，這點值得再深入探討。 三、在人口統計變數上，只有消費者之教育程度及家庭收入對消費者購買意願有顯著差異，其他因素與購買意願無顯著差異；教育程度較高者及家庭收入較佳均相對有較高的購買意願。研究中亦發現，政府近來積極推廣長照政策與措施，因而增加消費者對於長照風險的危機意識，壽險從業人員亦可透過實際案例來向消費者解說,並持續不斷和消費者溝通教育，導正消費者錯誤的觀念；相信必能幫助消費者提早因應未來長期照護所需，以免於造成家庭經濟負擔，希望本研究成果，除能對提升雲林地區消費者購買長期看護險意願有幫助外，並可提供壽險公司做為研發長照商品內容參考。
並列摘要
In this study, the SPSS statistical analysis software was used to carry out empirical analysis on the effective samples obtained from the random sampling questionnaire of consumers in Yunlin area. The results showed that: One: consumers had a certain degree of awareness of long-term care, But there is no significant difference in the willingness to buy long-term care insurance. Second: the consumer in considering the purchase of long-term care insurance, the size of the insurance company, visibility, and sales service and quality, as well as the contents of the claims or the basis of the criteria, there is no obvious difference; However, In the case of claim for content or subject matter(1) There is a significant difference in the function of the daily living function, the Papanicola scale or the cognitive dysfunction or (2) according to the (disability grade table), which is worthy of further study. Third: in the demographic variables, only the education level of consumers and family income on consumer purchasing intentions are significantly different, other factors and purchase intention no significant difference; higher education and family income are relatively higher The purchase intention. The study also found that the Government has recently been actively promoting long-term policies and measures to increase consumer awareness of the risk of long-term risk. Life insurance practitioners can also explain to consumers through practical cases and continue to communicate with consumers. It is hoped that the results of this research, in addition to the promotion of consumers in the cloud forest area to buy long-term care will be helpful to help outside the long-term care to help consumers in the future long-term care needs, in order to avoid the burden of the family , And can provide life insurance companies as R & D long photo content reference.