| Summary: | 碩士 === 國立屏東大學 === 財務金融學系碩士班 === 104 === Those change of Taiwan’s family structure, the lower birth rate and the aging population even the bachelorism awareness have already caused many society problems. The huge medical costs will get family burden when there are disability in a family. As the commercial long-term care insurance, the difference standard of long term care and disability will be easy to cause claims disputes. In addition, back to the hospital recheck for each application lead to the insurance rate extremely low.
The empirical results show the followings
1.In case of the "Motivation to purchase disability care insurance" , people have realized that the age is getting old in Taiwan so the disability care insurance become important.
2.In the case of "care insurance purchase disability awareness", participants think that it can reduce the financial burden under the disability care.
3.In the case of ' willingness to buy disability insurance care ", most people pay disability care insurance cost from the personal savings or personal investments.
Most participants is willing to purchase disability care insurance and consider to spend 30,001 to 50,000 TWD per month on the disability care; The life insurance is the majority sales in the market and in the market's disability care insurance product, mostly the annual premium of 20,001 to 30,000 TWD.
The reason of personal care reluctant to buy disability insurance is that most people think do not need to purchase additional insurance disability.
4.In the case of "social factors affect decision- makings on long-term care insurance", the family plays an crucial part to make the decision of the purchase disability care insurance.
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