因應十二年國民教育實施探討國中保險教育課程設計之研究─以阿里山國中小為例

The Implement of Insurance Curriculum in Junior High School Level in Taiwan：A case Study of Alishan Junior High School and Elementary School

陳泳存(Yung-Tsun Chen)

指導教授 ： 王言 ； 余祖慰

朝陽科技大學/管理學院/保險金融管理系/碩士(2017年)

摘要

隨著科技不斷地發展，環境快速地變遷，不論是自然災害或人為破壞都隨時可能在我們周遭發生，只要一旦發生，即可能對我們的生命與財產造成重大傷害。基於人類與生俱來之安全需求，以及因應風險發生導致經濟損失之威脅，加上政府之法令要求，風險是需要管理的。保險即是一種轉移風險的方法，透過保險制度的防範措施，才能減輕風險所帶來的損失。
教育政策主管機關與金融監督管理委員會協商推動將保險教育融入十二年國民教育課程中，而保險事業發展中心以「強制汽機車責任保險」、「國民年金」、「生涯財務規劃」、「家庭壽產險管理」作為宣導的第一步，其主要原因為「強制汽機車責任保險」、「國民年金」、「生涯財務規劃」、「家庭壽產險管理」是目前政府所宣導的政策性保險，目前多數人僅知道政府在宣導，若未投保則會有罰則產生，卻不知其真正的意義所在，民眾往往投保了，卻不知自己的權利義務之所在，其中又以「強制汽機車責任保險」、「國民年金」作為保險教育宣導的第一步，且民眾較易接受，學校亦較願配合宣導。故本文特將「強制汽機車責任保險」、「國民年金」兩項以具體與抽象保險名詞來設計保險課程，以讓十二年國教課程之學生，對具體與抽象保險名詞的理解力之間關係，期待經由下述之探討，讓十二年國教之學生能真正認識保險的意義，以達保險教育由「具體至抽象」之教學目標。
研究者以嘉義縣阿里山國中小學生為施測對象，針對國一至國三學生進行研究時程，依行動研究進程分為「試教前訪談檢測」、「試教過程」「試教後訪談檢測」等三個時期，並有規劃的設計、實施、檢討與修正。
關鍵字：強制汽機車責任保險，國民年金，學校保險教育課程，課程設計，十二年國民教育，問卷調查法。

關鍵字

十二年國民教育 ； 課程設計 ； 學校保險教育課程 ； 國民年金 ； 強制汽機車責任保險 ； 問卷調查法

並列摘要

With the continuous development of science and technology, the rapid changes in the environment, whether natural disasters or man-made damage are at any time around us, as long as once occurred, that may cause great harm to our lives and property. Risks need to be managed on the basis of the inherent safety needs of mankind and the threat of economic losses in response to risks. Insurance is a way to transfer risk, through the insurance system to prevent the measures to reduce the risk of the loss.
The Education Policy Administration, in consultation with the Financial Supervisory Commission, will promote the integration of insurance education into the 12-year national education curriculum. The Insurance Business Development Center is entitled to "compulsory automobile liability insurance", "national pension", "life financial planning", "life insurance management ". As the first step in advocacy, the main reason for the" compulsory automobile liability insurance "," national pension "," career financial planning "," family life insurance management "is the government advocated policy insurance. Most people only know that the government in the publicity, if not insured there will be a penalty, but do not know it’s real meaning, the people are often insured, but do not know where their rights and obligations, which again " compulsory automobile liability insurance "and" national pension "as the first step in the promotion of insurance education, and the people are more receptive, and the school is more willing to cooperate with the publicity.
Therefore, this article will be " Compulsory Automobile Liability Insurance ", "National Pension" two specific and abstract insurance terms to design insurance courses, so that the twelve years of the national curriculum students, the understanding of specific and abstract insurance terms Relationship between the expectations of the following discussion, so that the twelve years of the students can really understand the significance of insurance to the insurance education from the " specific to abstract" teaching objectives.
Through planning the design, implementation, review and amendment, the study is divided into "pre- experiment interview "," experiment process", post- experiment interview", and the study is based on the research progress of Alishan junior high school’s students.
Keywords: Compulsory Automobile Liability Insurance, National Pension, School Insurance Education Courses, Course Design, Twelve national education, Questionnaire.

並列關鍵字

welve national education ； Course Design ； School Insurance Education Courses ； National Pension ； Compulsory Automobile Liability Insurance ； Questionnaire

參考文獻

3. 方雅芳(1992)我國中小學教科用書審查制度之研究，台北：國立編譯館。

10. 王錫璋(1992)理想的教科書，師友月刊，306，頁33。

20. 徐如英(2005) 保險教育對學生保險觀念影響與教學滿意度之探討－以某技職校院為例，淡江大學保險經營研究所碩士論文。

35. 李宗薇(1998)教科書的編輯機制，課程與教學季刊，1(1)，頁41-56。

68. 張鴻仁(1990)全民健康表險啟療費用支付制度之研究，行政院經濟建設委員會委託。