| dc.contributor | 風管系 | |
| dc.creator (作者) | 王儷玲 | |
| dc.date (日期) | 2018-03 | |
| dc.date.accessioned | 17-Jun-2026 15:55:27 (UTC+8) | - |
| dc.date.available | 17-Jun-2026 15:55:27 (UTC+8) | - |
| dc.date.issued (上傳時間) | 17-Jun-2026 15:55:27 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=182998 | - |
| dc.description.abstract (摘要) | 年金保險與長期照顧保險存在著嚴重的逆選擇問題，導致保險市場上購買年金與長期 照顧保險的比例一直無法提高，此問題已成為近年來許多保險與退休金文獻持續關注 的重要研究議題。本研究主要探討結合年金與長期照顧保險的商品是否有助於降低保 險市場上的逆選擇成本。由於在年金保險中的高風險被保險人，在長期照顧保險市場 中則成為低風險被保險人，因此會產生自然避險現象，透過結合此兩種商品，可以有 效降低逆選擇成本，進而解決高保費所造成的低投保問題。本研究利用國民健康局1989 年到2007年所提供的「中老年身心社會生活狀況長期追蹤調查資料」，利用連續馬可 夫鍊建構自我評估健康狀態良好、一般以及不好等的三種健康轉換模型，計算將長期 照顧與年金保險結合成為同一張保單，相對於分別單獨銷售長期照顧保險與年金保 險，能降低多少逆選擇成本。本研究的實證結果將提供學術界與實務界，對於保險公 司如何結合長期照顧與年金可以增加民眾主動購買長期照顧保險與年金保險之需求， 以及長期照顧保險結合年金後到底可以降低多少逆選擇成本有更完備與深入之了解， 此結果可以協助保險公司推出老年化社會創新商品，以滿足民眾更多元完整的退休保障需求。 | |
| dc.description.abstract (摘要) | The adverse selection problem is often blamed for the stagnant of the annuity and long-term care insurance markets. This paper investigates the benefits of reducing adverse selection cost by combining annuity and long-term care insurances. Individuals with relatively high risk in the annuities market are relatively low risk in the long-term care insurance market. Thus a new innovative product, so-called Long-term Care Annuity (LCA), which is an integration between life annuity and long-term care insurance would reduce the adverse selection cost. To capture the benefits of LCA product, we estimate different probabilities under three health states by using panel database from Survey of Health and Living Status of the Elderly in Taiwan. We build the model to estimate the disability transition intensity under continuous-time Markov process. We further calculate and compared the fair price of annuity, long-term care insurance and LCA product. The empirical results will analyze how much adverse selection cost could be reduced by LCA product. The results provide a better understanding for long-term care product design and encourage life insurance companies to offer better innovative product with lower price. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST105-2410-H004-059, 105.08-106.07 | |
| dc.subject (關鍵詞) | 年金; 長期照顧保險; 長期照顧保險年金; 逆選擇; 資訊不對稱 | |
| dc.subject (關鍵詞) | Long-Term Care; Annuity; Long-Term Care Annuity; Adverse Selection; Asymmetric Information | |
| dc.title (題名) | 年金結合長期照護保險對逆選擇成本之影響 | |
| dc.title (題名) | The Analysis of Product Design and Adverse Selection Cost for Long-Term Care Annuity | |
| dc.type (資料類型) | report | |
