影響臺灣長期照護需求的因素之分析：政府長照與商業保險

• Main Authors: Ching-Hsuan Dai, 戴敬軒
• Other Authors: Li-Hua Lai
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/xhsh9u

碩士 === 國立高雄第一科技大學 === 風險管理與保險研究所 === 104 === Taiwan society is facing nursing care issues from the change of demographic structure because of the impact of aging population and low fertility. In recently, the government positively promotes policies about the long-term care. In 2015, Congress formally passed this authority to the administration departments of government through the Long-Term Care Service Act. Government references to other counties experience of long-term care system, and then develops the policies of the long-term care and its insurance, which aims for constructing the quality of care and the finance of service in long-term care system. Long-term care insurance market developments re-gernate when people perceive their protection for long-term care will be needed. However, the content between product design and insurance coverage are different, it causes the purchase intention is always on the low side. In this research, discussing the impact of the variables of the parties such as demand environment, governments policy, information experience, insurance cognition and purchase intention by establishing a pattern of long-term care demand factors whether affect the purchase intention of long-term care insurance for satisfying the long-term care demand of the public. This research was collected by paper and web questionnaires and a total of questionnaires were 600 returned, wherein 570 (95%) were effective. First, using Confirmatory Factor Analysis to find affecting factors between each structures, and then analyzed by independent-samples t test and one-way ANOVA analysis to understand the cognitive differences between each structures in personal characteristics. The results suggested that people who were married, older, supporters and insured have more cognitive in demand environment, information experience and insurance cognition than others. There were non-significance difference in government policy and insurance cognition. However, this research built an empirical model of structure equation model (SEM) and goodness-of-fit test. The results show that the demand environment and government policies have a positive impact on insurance cognition and purchase intention through the mediation effect of information experience.