探討保單管理之處理效果

A Study on the Treatment Effect of Insurance Policy Management

王雪芬(Yi-Chung Cheng)

指導教授 ： 鄭亦君

台南應用科技大學/管理學院/國際企業經營系碩士班/碩士(2020年)

摘要

幸福是人人一生追求的目標，而幸福感則是衡量幸福的重要指標之一。相關研究指出，財富的增加不一定會提高人類的幸福感，其中存在著幸福悖論，當財富增加到一定的水準後，幸福感不會因財富增加而增加，但不幸的是，當財富減少時，幸福感一定會下降，因此財富穩定是幸福的基礎。保險秉持著分擔風險的概念來確保客戶的生活水平，因而規劃以幸福為名的保單。探究保險制度對幸福的處理效果(treatment effect)，是在反事實因果模型(counterfactual model of causality)下進行的因果推論研究，因此，本研究以保險客戶及非客戶的基本背景變項進行傾向分數配對(propensity score matching)，對配對成功者進行平均因果效應(Average Treatment Effect, ATE)檢定，以檢測保單對幸福的關係。研究結果顯示，經手購買的保單數對主觀幸福感並未具有因果關係。建議保險業者可以在保單設計上再加強對保險人在心靈上的需求。

關鍵字

保險、幸福感、處理效果、傾向分數配對、因果效應

並列摘要

Happiness is the goal everyone pursues in life, and happiness is one of the important indicators to measure happiness. Related research pointed out that the increase in wealth does not necessarily increase human happiness. There is a paradox of happiness. When wealth increases to a certain level, happiness will not increase due to increased wealth, but unfortunately, when wealth decreases At times, the sense of well-being will definitely decline, so wealth stability is the foundation of happiness. Insurance upholds the concept of risk-sharing to ensure the standard of living of customers, so it plans insurance policies in the name of happiness. Exploring the treatment effect of the insurance system on happiness is a causal inference study conducted under the counterfactual model of causality. Therefore, this study uses the basic background variables of insurance customers and non-customers to conduct propensity scores. Propensity score matching, the average treatment effect (Average Treatment Effect, ATE) test for the successful pairing to detect the relationship between the policy and happiness. The results of the study show that the number of policies purchased through the process does not have a causal relationship with subjective well-being. It is recommended that insurance companies can further strengthen the spiritual needs of insurers in policy design.

並列關鍵字

insurance, well-being, treatment effect, causal effect

參考文獻

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