住宅地震保險購買意願之研究—房屋所有人之觀點

康耀中

doi:10.6846/TKU.2015.00655

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住宅地震保險購買意願之研究—房屋所有人之觀點

The Study of Consumer Purchase Intention to Taiwan Residential Earthquake Insurance—The Perspectives From Owner of the Building

康耀中 , Masters　　Advisor：廖述源　　Co-advisor ：高棟梁

繁體中文 DOI： 10.6846/TKU.2015.00655

住宅地震基本保險；風險意識；消費者購買行為； Purchase Intention ； Risk consciousness

Abstract │ Reference (87) │ Times Cited (2) │ Altmetrics

Abstract 〈TOP〉

Parallel Abstract 〈TOP〉

Taiwan, an island located on the Ring of Fire, is struck by earthquake frequently. Ever since the Chi-Chi Earthquake, which took place in September 21th 1999 and had a catastrophic impact, people of Taiwan will never underestimate damage that an earthquake can bring.
　　Earthquake insurance has been issued for over a decade in Taiwan. Yet, despite the fact that Taiwan suffers from earthquake quite often, earthquake insurance has merely a 30% coverage. Apparently, people of Taiwan are not willing to purchase related insurance merchandise. In order to gain more understanding of the behavior, 671 questionnaires are evaluated.
　　Five reasons explaining why people of Taiwan have such behavior are made:
　　First, Difficulty in meeting the claim, which requires a full demage, or a collapse on the insured property. Respondents of the survey desire policies with easier on the barrier.
　　Second, Limited coverage in other natural disasters. Besides earthquake, Taiwan is constantly struck by other natural disasters such as Typhoon, floods, land slides.
　　Third, Limited insured amount. As housing market keeps rising, a ceiling of 1.5 millions NTD in insured amount does not meet the projection of the real estate value.
　　Forth, Limited coverage in property. Earthquake insurance in Taiwan mostly covers only real property. Policy appears less appealing when personal property is not covered.
　　Fifth, Flat rate. Resoindents of the survey state that flat rate in earthquake insurance cannot faithfully responde to the value of real estate.
　　In conclusion, people of Taiwan have limited knowledge in earthquake insurace. Further current policies do not meet the expactation. As a result, people of Taiwan are generally not in favor of purchasing earthquake insurace.

Reference ( 87 ) 〈TOP〉

5.林子薇，健全我國住宅地震保險危險分散機制之研究，保險學系保險經營碩士班論文，2011年。
連結：
6.徐淑惠，我國住宅地震保險危險承擔機制限額之研究，淡江大學保險學系保險經營碩士在職專班碩士論文，2007年。
連結：
7.郭孟坤，電腦模擬與隨機方法在人口推估上的應用，國立政治大學碩士論文，2007年。
連結：
9.張澤慈，我國住宅地震風險證券化之實際研究，淡江大學保險學系保險經營碩士在職專班碩士論文，2006年。
連結：
9.陳威榮、黃健柏，台灣地震保險制度研究，保險經營與制度，第11卷，2012年，頁43-70。
連結：

Times Cited (2) 〈TOP〉

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