| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士班 === 104 === It’s been a long time that the personal accident and health insurance business can only be operated by life insurance industry in Taiwan according to early Insurance Law. But in 1997¸ the Article 138 was modified that the non-life insurance companies could be allowed to operate personal accident insurance business with attachment style to other insurance product. Further, the non-life insurance industry was allowed to operate the personal accident business independently in 2001. And 6 years later, the Government approved furthermore the non-life insurance industry to operate health insurance business. Thus, both life and non-life insurance industries can operate personal accident and health insurance business concurrently since 2007. In this paper, we try to find if the operation of both personal accident and health insurance business is really good for the new comers, non-life insurance companies. Also, whether or not the life insurance industry operating these two new business is affected by the competition of non-life insurance industry.
This thesis began with the movement of modification of the insurance act article 138, then we investigated the kinds and the characteristics of personal accident insurance and health insurance, and further analyzed the business volume, loss ratio and insurance rate of both non-life insurance industry life insurance industry in personal accident insurance and health insurance business, in order to realize advantages and disadvantages in operating these two insurance for non-life insurance industry. Then, we compared the conditions and the strategies of operation of non-life insurance industry with these of life insurance industry, to find out the dilemma that non-life insurance industry operates personal accident and health insurance. Finally, we made conclusions and suggestions to non-life insurance industry, hopefully they could take these suggestions into consideration.
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