戶外教學責任風險知覺、政策保險認知與教職員責任保險購買意願之研究－以南投縣國小教師為例

The Impact of Outdoor Education Responsibility Risk Perception, Policy Insurance Cognition on Purchase Intention of Staff Liability Insurance - A Case Study of Nantou County Primary School Teachers

謝玫宜(MEI-YI HSIEH)

指導教授 ： 張婉玲

朝陽科技大學/管理學院/保險金融管理系/碩士(2017年)

摘要

戶外教學是學校課程與教學之一環，但戶外教學蘊藏著許多不可預期、或因人為疏失所造成的風險，因此，戶外教學除了應加強風險評估與管理，同時也要注意教師可能遭遇求償的責任風險。
本研究旨在探討國小教師對於戶外教學的責任風險知覺、政策保險認知對教職員責任保險購買意願之影響，並以南投縣公立國小教師為研究對象，共發出480份問卷，回收有效問卷419份。經由敘述統計分析、獨立樣本t檢定、單因子變異數分析、皮爾森積差相關及迴歸分析等方法進行資料分析。
研究結果發現，國小教師之戶外教學責任風險知覺對教職員責任保險購買意願有顯著正向影響。政策保險認知對教職員責任保險購買意願有顯著正向影響。學生團體保險在戶外教學責任風險知覺與教職員責任保險購買意願之關係中無顯著干擾作用。校園公共意外責任保險認知則在戶外教學責任風險知覺與教職員責任保險購買意願之關係間存在顯著干擾作用。
最後，依據本研究結論提出具體建議，提供相關單位及研究人員日後研究之參考。

關鍵字

戶外教學責任風險 ； 學生團體保險 ； 校園公共意外責任保險 ； 教職員責任保險購買意願

並列摘要

Outdoor education is one major part of the curriculum and teaching in the school, however, there exists some risks which are unpredictable or man-made hidden in the outdoor education. It is necessary that the risk evaluation and management of the outdoor education should be strengthen, and at the same time, the fact that teacher may be forced to face a liability risk of claims is needed to pay more attention on it.
The purpose of this studying aims to realize the outdoor education responsibility risk perception and the effect of purchasing intention affected by the policy insurance cognition of the primary school teachers. The subjects of this experiment are the public elementary school teachers in Nantou county. All the 480 questionnaires are issued and 419 valid questionnaires were collected. The results derived by Descriptive Statistics, Independent-Sample t Test, one-way analysis of variance, Pearson product-moment correlation and hierarchical regression include the following:
1.The outdoor education responsibility risk perception of the primary school teacher has a significant positive impact on the purchase intention of staff liability insurance.
2.The policy Insurance cognition has a significant positive impact on the purchase intention of staff liability insurance.
3.The student group insurance considered in the relationship between the outdoor education responsibility risk perception and the purchase intention of staff liability insurance has no significant interference.
4.The public liability insurance considered in the relationship between the outdoor education responsibility risk perception and the purchase intention of staff liability insurance has a significant interference.
Finally, based on the results in this studying, we present some concrete suggestions for the use of concerned department and researcher in future study.

並列關鍵字

outdoor education responsibility risk ； student group insurance ； public liability insurance ； purchase intention of staff liability insurance

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