兩岸火災保險之比較研究

中國大陸地區的企業財產保險及家庭財產保險及台灣地區的火災保險之保費收入皆僅次於汽車保險，居於財產保險當中第二大險種，近年來兩岸經貿交流越來越頻繁，本研究透過探討兩岸企業財產及家庭財產(火災保險)之比較研究，以期能有助於兩岸保險業者了解雙方保險商品之異同與優缺點，藉以提供改進之方向。欲比較解兩岸企業財產及家庭財產(火災保險)之異同，本文主要分為四部分，第一部分探討兩岸台灣及中國大陸地區及家庭財產(火災)保險之沿革與現況分析，第二部分探討兩岸企業財產保險(火災)保險單之比較，第三部分探討兩岸家庭財產保險(火災)保險單之比較，第四部分探討兩岸企業財產及家庭財產(火災保險)之附加保險、特約條款及附加條款之比較。藉由上述之研究後，對兩岸企業財產及家庭財產(火災保險)商品下總結，並分別給予台灣及中國大陸保險地區產險業者於保單設計與企業財產及家庭財產(火災保險)經營上之建議。

關鍵字

企業財產保險；家庭財產保險；火災保險

並列摘要

Both enterprise and householder property insurance in China which are similar to the commercial and residence fire insurance in Taiwan. This kind of insurances is ranked second in the premium income of the non-life insurance businesses, while the automobile insurance is ranked first. Recently, China and Taiwan are more closer than before in economic and trade exchange; therefore, this research aims to discuss the cross-strait topic of enterprise and householder property (fire) insurance. We hope that it can give a hand with insurer to compare with advantages, drawbacks, the same and the different site on cross-strait. In order to compare cross-strait enterprise and householder property insurance (fire insurance), there are four steps in this research. First of all, we discuss the history and situation of enterprise and householder property (fire) insurance between Taiwan and China. Next, we discuss a comparative study on cross-strait enterprise property (fire) insurance. At the same time, we confer a comparative study on cross-strait householder property (fire) insurance. After that, we discuss a comparative study on cross-strait additional clause of enterprise and householder property (fire) insurance. Finally, we give conclusions from this research and offer some suggestions for cross-strait non-life insurance companies to improve their policy design and operating in the enterprise and householder property (fire) insurance.