| dc.contributor.advisor | 蔡政憲 | zh_TW |
| dc.contributor.author (Authors) | 王碧波 | zh_TW |
| dc.contributor.author (Authors) | WANG, PIPEH | en_US |
| dc.creator (作者) | 王碧波 | zh_TW |
| dc.creator (作者) | WANG, PIPEH | en_US |
| dc.date (日期) | 2005 | en_US |
| dc.date.accessioned | 18-Sep-2009 15:11:19 (UTC+8) | - |
| dc.date.available | 18-Sep-2009 15:11:19 (UTC+8) | - |
| dc.date.issued (上傳時間) | 18-Sep-2009 15:11:19 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0929328101 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/35507 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 經營管理碩士學程(EMBA) | zh_TW |
| dc.description (描述) | 92932810 | zh_TW |
| dc.description (描述) | 94 | zh_TW |
| dc.description.abstract (摘要) | 早期壽險業危險分類的結果，僅區分標準體、次標準體以及拒保體，直到1970年代，美國一家壽險公司為了尋找市場利基，開始針對非吸煙保戶給予優惠費率，從此打開市場，創造競爭優勢；這是壽險公司實施優良體保險的開始。優良體保險的實施，完全符合公平危險對價的理念，對壽險經營產生正面的意義為：一、因有優惠費率的誘因，可吸引更多的健康者購買保險。二、鼓勵壽險公司更專精於死亡率資料的收集分析及死亡原因的探索，藉以促進危險選擇技術的進步。三、壽險公司擴大承保範圍以增加業務量。國內傳統壽險保單發展已到了成熟階段，如果壽險業者尋求創新和升級的機會，發展優良體保險，讓保費真正反映風險，這樣的精緻保單，或可爭取保戶認同，贏得商機。參佐國外的經驗，本研究觀察優良體保險應為未來核保及商品發展的趨勢，乃透由文獻資料分析及深度訪談方式，據以了解優良體保險實務運作的概況、國內壽險業實施優良體保險可能面臨的問題與解決之道，以及經營優良體保險之決策程序及行動方案，作為國內業者未來導入優良體保險的參考。關鍵字：優良體、優良體保險、核保、危險分類。 | zh_TW |
| dc.description.abstract (摘要) | In early times, life insurance business classified risk into standard risk, substandard risk, and declined risk only. In 1970s, one life insurance company of the United States began to sell discounted-premium insurance to non-smoking customers who were classified into standard risk class. This innovation opened the preferred risk market and created its own competitive advantages in the insurance market. The era of preferred risk started then.The practices of Preferred Risk Class Insurance have three positive effects on the market:1. More healthy people will be led to purchase the insurance policies due to the preferential insurance premium.2. Life insurance companies will put more efforts on collecting and analyzing the death rate and cause, which will promote the development of risk selection practice.3. Life insurance companies will have more chance to sell high-coverage policies and increase the sales volume.Traditional life insurance policies have gone full-grown nowadays. When life insurance company is willing to innovate and upgrade to develop the preferred risk class insurance policies, this finely insurance policy can attract more customers as long as the premium can reflect the actual risk.Based on the reports of foreign insurance companies, I believe that preferred risk class will be an innovating risk class of life insurance, and will be the product development in the future. This thesis talks about the disputes, solutions, and decision-making processes of the practice of preferred risk insurance. The content can serve as a reference to the insurance industry in Taiwan.Key words:Preferred Risk, Preferred Risk Policy, Underwriting, Risk Classification. | en_US |
| dc.description.tableofcontents | 目錄第一章 緒論………………………………………………………… 1第一節 研究動機與目的…………………………………………… 1第二節 研究方法與範圍…………………………………………… 2第三節 研究架構與限制…………………………………………… 4第二章 優良體保險對壽險經營的價值…………………………… 6第一節 死亡率、危險選擇與危險分類的意義…………………… 6第二節 台灣壽險業生命表及壽險商品發展之演進………………16第三節 優良體的緣起及對壽險經營的意義………………………21第四節 優良體保險於各國之發展概況……………………………25第五節 從消費者、業務員及壽險公司的觀點看優良體保險……28第三章 壽險公司導入優良體保險之決策分析……………………30第一節 優良體保險設計及定價之考量……………………………30第二節 優良體危險分類概念於保險商品之運用…………………50第三節 優良體保險之核保架構……………………………………54第四節 優良體保險之行銷通路……………………………………68第四章 我國推動優良體保險可行性評估之實務訪查……………70第一節 訪談對象及訪談大綱………………………………………70第二節 訪談側記……………………………………………………72第三節 訪談結論……………………………………………………78第五章 結論與建議…………………………………………………88第一節 國內實施優良體保險之未來發展…………………………88第二節 對壽險公司及壽險業導入優良體保險之建議……………89第三節 後續研究建議………………………………………………94 | zh_TW |
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| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0929328101 | en_US |
| dc.subject (關鍵詞) | 優良體 | zh_TW |
| dc.subject (關鍵詞) | 優良體保險 | zh_TW |
| dc.subject (關鍵詞) | 核保 | zh_TW |
| dc.subject (關鍵詞) | 危險分類 | zh_TW |
| dc.subject (關鍵詞) | PREFERRED RISK | en_US |
| dc.subject (關鍵詞) | PREFERRED RISK POLICY | en_US |
| dc.subject (關鍵詞) | UNDERWRITING | en_US |
| dc.subject (關鍵詞) | RISK CLASSIFICATION | en_US |
| dc.title (題名) | 壽險公司實施優良體之市場展望 | zh_TW |
| dc.type (資料類型) | thesis | en |
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