保險業採用電子保單之研究

在各項產業中資訊應用越來越廣泛，其主要目的為資訊化來降低企業之營運成本，而保險業主要由人及紙所組成之行業，資訊化之推展將可讓保險業之人力及作業成本大為降低。但近年來保險業在網路投保推行上成效不張，因此，為加速保險業在資訊發展上有所嶄獲，監理單位開放保險業先行推展電子保單，除能推動保險業發展電子商務，並期保險業可藉由採用電子保單，用以降低營運成本增加利潤。本研究主要內容包含如下：一、瞭解電子保單引用之技術二、探討我國保險業推廣電子保單之作法及法令三、世界主要國家電子文件之發展概況四、現行我國電子保單發展之現況本研究首先建議保險業者應對員工進行電子商務及電子保單機制進行教育訓練並藉由員工推廣採用電子保單及運用保險業務員推展電子保單及訂定奬勵制度，再者建議政府機關整合強制險資料庫並結合電子監理網站及警政資料庫連結，使汽、機強制險不需再使用強制證；最後，對於保險監理機關則建議全面開放保險商品可提供電子保單及於保險法中訂定保險業電子商務法令規範，以期減少日後保險業採用電子保單之阻礙。

關鍵字

電子保單；保險電子商務；保險單

並列摘要

Information technology is broadly applied in all industries. The main reason is to reduce operation costs by informationlizating. People and paper are the two most components for insurance industry, hence, informationlization is also helpful to reduce the costs or expenses of human resources and operation. However, in the past, network transaction for information insurance didn’t work well. For a better environment for information insurance, reducing operation costs and increasing profits, the Insurance Bureau allows the insurance company to issue electronic insurance policies. The main contexts of this research include: 1.The technology applied in electronic insurance policy. 2.The promotion and regulations of electronic insurance policy in Taiwan insurance industry. 3.The development of electronic document in other countries. 4.The development of electronic insurance in Taiwan insurance industry. Through this research, we conclude that: 1.Insurance companies should educate their employees about electronic commerce and electronic insurance policy, and making an incentive system for promoting electronic insurance policy. 2.Government institutes should link compulsory insurance database, electronic supervisory websites and Police database, by the linkage, insurance companies don’t have to issue the certificate of auto compulsory insurance to the insured any more. 3.Allowing insurance companies may issue the electronic policy for all insurance products, and making the specific regulation for insurance electronic commerce in insurance law.