財產保險應用自負額之研究

A Study of Deductible Clause Apply to Non-Life Insurance

侯雅瀞(Ya-Ching Hou)

指導教授 ： 廖述源

淡江大學/商學院/保險學系保險經營碩士班/碩士(2012年)

https://doi.org/10.6846/TKU.2012.00444

摘要

自負額條款之源意乃源自於危險自留，即被保險人無法或自願未能移轉給保險人之部分，在保險單中設定自負額，係於保險事故發生所致損失時，被保險人需先行負擔該約定的自負額，保險人於超過自負額以上部分，才負賠償責任。因此，自負額普遍被視為減少道德危險之機制。
現今自負額條款已普遍運用於財產保險契約當中，然而，雖自負額型態種類繁多，但長久以來國內常用的自負額卻仍限於特定幾種，且自負額設定型態是否符合保險商品屬性亦尚待檢驗，故本研究旨在探討財產保險應用自負額之現況，整理我國財產保險單使用自負額之情形，並參考美國、英國、日本應用自負額之屬性，期盼保險公司能設計更多元的自負額商品，提供消費者有多樣選擇，使保險人與要保人皆有效益，並對整體社會資源有所貢獻。
本研究範圍除包括自負額條款之理論基礎外，並於精算面上，在有自負額的情形時，作其保險費率釐訂之探討，最後，提出結論與建議事項，俾供日後保險業者及相關人員之參考。

關鍵字

自負額 ； 自負額條款 ； 費率釐訂

並列摘要

The deductible clause is derived from the risk of retention, means the insurer can’t or will not voluntarily transferred to the insurer's part.Setting the deductible in policy, the insurer will pay only that the amount of loss, damage or expense in excess of the “deductible” up to the applicable limit of insurance.Therefore, the deductible is generally regarded as the plan to reduce moral hazard.
Now deductible clause has been widely used in property insurance. However, although a wide variety of types of deductible, but commonly used in Taiwan has long been still limited to specific types of deductible, and it should to be tested whether the deductible is appropriate for insurance products. Therefore, this study aimed to explore the deductible apply to property insurance, and organize the deductible clause in America, England and Japan. Hope insurer to design a variety of deductible policy to provide consumers with multiple options, then make insurer and insured efficiency and contribute to the overall social resources.
The study includes the theories of deductible. In addition, there is also including the actuarial, in the case of a deductible, a study of pricing the premium rate. The study ends in conclusions and suggestions to put forward issues, to serve the insurance industry for future reference and related personnel.

並列關鍵字

Deductible ； DeductibleProvision ； Pricing

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