| dc.contributor | 風管系 | |
| dc.creator (作者) | 王儷玲 | |
| dc.date (日期) | 2020-01 | |
| dc.date.accessioned | 17-Jun-2026 15:55:28 (UTC+8) | - |
| dc.date.available | 17-Jun-2026 15:55:28 (UTC+8) | - |
| dc.date.issued (上傳時間) | 17-Jun-2026 15:55:28 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=182999 | - |
| dc.description.abstract (摘要) | 由於年金保險與長期照顧保險結合後可產生自然避險效果，因此結合此兩種商品的長期照顧年金保險 (Long-term Care Annuity，LCA) 創新商品可以提供老人全方位的退休準備商品，並解決現行兩種商品分別購買時保費太貴以及銷售停滯的情形。過去文獻也發現高風險的長期照顧保險被保險人同時也會是低風險的年金保險被保險人，而且此創新商品亦有助於降低兩種商品市場個別的逆選擇問題。本研究主要探討長期照顧年金保險的商品設計，分析如何搭配不同理賠條件與給付金額的組合設計可以創造更大的消費者利益，同時也將目前金融科技創新的健康改善誘因機制納入考量，探討健康狀態改善對長期照顧年金保險的保險費與給付之影響。本研究利用不同商品設計極大化自然避險與逆選擇所產生的效益，以降低保費或提高保障回饋給被保險人，不但可以提高民眾購買此結合創新商品之意願，保險公司也會願意提供更多元保障之創新保險商品，以創造保險公司與被保險人雙贏的機會。本研究的實證結果將提供學術界與實務界對長期照顧保險與年金保險商品設計有更完備與深入之了解，也可以協助保險公司了解創新商品設計策略，以滿足民眾更多元的退休保障需求。 | |
| dc.description.abstract (摘要) | Long-term Care Annuity (LCA), a combination of Long-term Care (LTC) insurance and annuity, provides a complete solution for retirement protection. Individuals with relatively high risk in the annuities market are relatively low risk in the LTC insurance market. Therefore, LCA has created the effect of natural hedge and can lower the adverse selection cost of annuity and LTC insurance. This paper investigates the benefits of adverse selection and natural hedge under different design of payout patterns for LCA products. We also consider the new product design of health management incentive created from recent Fintech revolution to improve health condition in LCA product. The combination of LCA with wearable technology from the IoT can offer the policyholders fitness trackers to encourage healthy improvement behavior. Our results will show that better product design of LCA can provide win-win solutions to finance the LTC and annuity needs of an ageing population. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST107-2410-H004-033, 107.08-108.07 | |
| dc.subject (關鍵詞) | 長期照顧保險; 年金保險; 商品設計 | |
| dc.subject (關鍵詞) | Long-term Care Insurance; Annuity; Product Design | |
| dc.title (題名) | 長期照顧結合年金保險商品設計之研究 | |
| dc.title (題名) | The Product Design of the Long-Term Care Annuity | |
| dc.type (資料類型) | report | |
