| dc.contributor | 風管系 | |
| dc.creator (作者) | 王儷玲 | |
| dc.date (日期) | 2022-03 | |
| dc.date.accessioned | 17-Jun-2026 15:55:30 (UTC+8) | - |
| dc.date.available | 17-Jun-2026 15:55:30 (UTC+8) | - |
| dc.date.issued (上傳時間) | 17-Jun-2026 15:55:30 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=183000 | - |
| dc.description.abstract (摘要) | 本研究以創新保險服務與商品設計出發，希望透過物聯網、大數據、人工智慧等技術，研發新型態壽險健康外溢保單 (Usage-based Insurance，UBI)，解決台灣現行市場強體人購買保險時誘因不足，以及弱體人購買保險時保費太貴，甚至遭拒保的窘境，讓強體人與弱體人都可以納保，提供國人全方位的健康保險服務與保障。隨著大數據與人工智慧之不斷創新，智慧醫療之發展已提供滿足許多個人化的醫療與健康促進需求服務，目前保險市場上已有保險公司透過科技與物聯網，成功結合智慧醫療與保險服務，提供多元健康管理服務之創新外溢保單，其中又以南非Discovery Insurance保險公司推出的「Vitality計畫」健康管理外溢保單最受到全球矚目，也帶動許多研究上的創新研發動能。然而研究文獻對於「健康外溢保單」的研究仍處於剛起步階段，由於資料不足與傳統定價模型之限制，過去極少有相關研究成果。本研究希望藉由深入分析南非Discovery Insurance「Vitality計畫」健康外溢保單之成功經驗，探討如何進一步創新我國健康外溢保單的商品設計，並透過與我國某家保險公司以及大型企業合作，以團體保險保單方式試行新型態壽險健康外溢保，透過IoT搜集保戶健康資料的動態資料，進一步整合我國保險公司核保理賠與健康保險資料庫，再以人工智慧演算模型強化辨別健康風險因子，改善保險定價模型，並在保單中設計健康促進誘因機制，回饋到保費計價及保險服務中。本研究希望利用健康外溢保單所產生的創新效益，打破過去的傳統保險，建構全新的大數據精算計價模型與預警機制，特別是促進保險公司與異業結盟，發展多元的產業生態系，以創造社會的正向外溢效果，達到保戶、保險公司與社會三贏的局面。 | |
| dc.description.abstract (摘要) | Individuals with relatively high risk or poor health are treated unfair with the same premium or even rejected in the current insurance market. Usage-based Insurance provides a solution for the society to heighten and improve the protection. This paper hope to design a new innovative usage-based health insurance, which can offer a better solution to overcome the current problems that the high-risk individuals are rejected or healthy ones have less incentive buying the insurance products. Moreover, with the development of IoT, Big data and Artificial Intelligence (AI), “smart-health” now can offer better health management services through internet. However, due to the data and pricing model limitation, only a few studies have investigated the “usage-based health insurance” in the current literature. Therefore, this research aims to adopt new technologies and successful experience from the “Vitality Program” of Discovery Insurance in South Africa. We deeply analyze the advantages of “Vitality Program” and innovate a new product designs for the usage-based health insurance in Taiwan, which can provide the incentive based smart-health service in the insurance product. In addition, through integrate multiple data bases, we use a self-adopted AI model to revise the risk factors by adding new life style data from individuals and enhance the pricing model of the usage-based health insurance. With the feedback of the new information, we can improve the incentive mechanism design for the usage-based health insurance. The research hopes to overcome the traditional insurance problems and innovate a new product design to provide better solution for the usage-based health insurance. The new innovate usage-based health insurance can establish a whole new pricing model and incentive system to facilitate cross-industry alliance and build an more efficient ecosystem, which can create a positive spill-over health improvement effect for the society in Taiwan. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST109-2410-H004-028, 109.08-110.07 | |
| dc.subject (關鍵詞) | 保險科技; 健康外溢保險; 保單定價; 商品設計 | |
| dc.subject (關鍵詞) | Insurtech; Usage-based Insurance; Pricing; Product Design | |
| dc.title (題名) | 台灣健康外溢保單之商品設計與定價研究 | |
| dc.title (題名) | The Product Designs and Pricing of Usage-Based Health Insurance in Taiwan | |
| dc.type (資料類型) | report | |
