運用商業年金保險支付養生村費用之研究

A Study of Using Commercial Annuity Insurance Payments to Health Village Expenses

陳惠玲(Hui-Ling Chen)

指導教授 ： 蘇文斌

朝陽科技大學/管理學院/保險金融管理系/碩士(2012年)

摘要

隨著老年人口比例逐年增加、家庭型態的改變，台灣已逐漸進入
高齡人口少子化社會，養生村成為家庭經濟與社會發展的一個重要議題。由於社會型態、家庭結構的變遷，改變傳統銀髮族退休養老的觀念，對於自主性與獨立性的需求逐漸提升，而帶動了入住養生村市場的熱潮，也同時分析瞭解民眾對養生村認知之差異情形。

本研究使用問卷調查方式，進一步探討民眾對於購買商業年金保險的看法，共發330份問卷，回收有效問卷共291份。問卷回收後以獨立樣本t檢定、單因子變異數分析、多重比較等方法，分析民眾的人口統計變項對於養生村之認知與老年退休規劃方式的影響。

研究結果發現，受訪者有購買年金保險意願的對於養生村之認知則會愈高，相對轉而住進養生村機構意願會提高，最後並提供政府單位和壽險公司作為參考。

關鍵字

商業年金保險 ； 養生村 ； 退休規劃 ； 養老村

並列摘要

Affectedly by the increasing population of elders, and change of the formation of family structure, Taiwan has been slowly becoming an aging society with fewer children. Health Village becomes an important issue of household economy and social development. Due to social configuration and family structure transition, it changes the notion of retirement plans for senior citizens. With increased need of autonomy and independence, it creates a hot-trend of entering the market of Health Village, it also carries an analysis of general public’s understanding of differences toward the Health Village.

This study conducted survey-type of method, took an in-depth discussion of general public’s opinion on purchasing commercial annuity insurance, total of 330 surveys with 291 available copies in return. Using independent T-test module, ANOVA analysis, Scheffe and other methods to analyze changes in population compiled statistic and how they affect cognition of the Health Village and senior citizen retire plans.

The results showed, interviewees who has higher notion of the Health Village volition are more likely to purchase commercial annuity insurance, the willingness of moving in the Health Village can also be raised. Eventually this survey can provide as reference information to government agencies and insurance companies.

並列關鍵字

Commercial Annuity Insurance ； Health Village ； Retirement Plan

參考文獻

4.邱照軒(2007)。「高齡化社會下的保險需求」。碩士論文，淡江大學保險系保險經營研究所，台北。

13.繆政峰(2009)。「現行社會保險給付下影響商業年金保險意願之研究－以保險公司通路客戶為例」。碩士論文，淡江大學保險經營研究所，台北。

1、Andersen, R.(1968). A Behavioral Model of Families’ Use of Health

一、中文文獻資料

(一)書籍