The Future Development Study of Long-Term Commercial Care Insurance-Take Taiwan Life Insurance Company as An Example

• Main Authors: Tai-An Feng, 馮台安
• Other Authors: Hui-Chung Yeh
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/66470664128509778273

碩士 === 國立高雄應用科技大學 === 高階經營管理研究所碩士在職專班 === 100 === Due to the demographic transition, family structure changes, and rapid increase in elderly population, not only because of the disability caused by accidents and disease but also the increase in the elderly population, the dementia, disability population of elderly people who need long-term care have increased. Along with the raise the standard of life of people, upgrade the quality of medical technology, the average life expectancy of long-term care population is increasing year by year. In addition to the not marriage, late marriage and low birth rate, make Taiwan society accelerate into the aging society. The problem of elderly care is pressing the government and the civil society to take attention and more input. For long term view, the benefits supplied from government are limited the payment object only, and give the minimum protection.Yet, people have to financing themselves or buy business insurance for the care spending gap. Taiwan's life insurance industry have seen the potential marketing needs.Since 1995,Shin Kong Life introduced the first long-term care insurance policy,and in 1990, Cathay Life Insurance followed up, and one after another continued to seven insurance companies launched the long-term care insurance.However, the sales statistics in the total premium accounts for the total life insurance sales ratio is very low. Therefore, this study is to investigate the business long term care insurance future development through the expert interviews and market consumer questionnaire and the consumers’ needs and the lack of care insurance products to provide the improvement programs and the future direction in responds to the future urgent and difficult on elderly care.