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研究生: 謝雅慧
Hsieh, Ya-Hui
論文名稱: 影響消費者購買商業長期照顧保險因素探討
Discussion on Factors Affecting Consumers to Purchase Commercial Long-term Care Insurance
指導教授: 沈永正
Shen, Yungcheng
口試委員: 周佳敏
Chou, Chia-Min
朱克聰
Chu, Ko-Tsung
沈永正
Shen, Yungcheng
口試日期: 2023/05/18
學位類別: 碩士
Master
系所名稱: 高階經理人企業管理碩士在職專班(EMBA)
Executive Master of Business Administration
論文出版年: 2023
畢業學年度: 111
語文別: 中文
論文頁數: 44
中文關鍵詞: 高齡化社會購買意願長期照顧保險
英文關鍵詞: Aging society, Purchase Intention, Long-Term Care Insurance
研究方法: 調查研究
DOI URL: http://doi.org/10.6345/NTNU202300506
論文種類: 學術論文
相關次數: 點閱:110下載:12
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  • 台灣人口老化造成社會扶養負擔快速增加,提早規劃長期照顧保險可以降低經濟負擔,本研究探討消費者對於購買長期照顧保險意願做假設,以健康狀況、健康意識、對未來不確定感及人口統計,個別對應產品購買意願是否有相關因素。
    本研究目的在於探討影響商業長期照顧保險購買之關鍵因素,藉由文獻回顧歸納影響商業長期照顧保險購買之關鍵因素。主要針對消費者構面採用問卷調查法,研究對象不限制特定族群,共計回收200份有效問卷,目標為找出因素間的因果關係,以及相關重要構面及評估因素,進而可供決策參考及改善措施使用。
    本研究結果顯示消費者的健康意識及對未來不確定感都會正向影響商業長期照顧保險購買意願。

    The aging population in Taiwan has caused a rapid increase in the burden of social support. Early planning of long-term care insurance can reduce the economic burden. This study explores consumers' assumptions about the willingness to purchase long-term care insurance, based on health status, health awareness, sense of uncertainty about the future, and demographics. Whether there are relevant factors for the purchase intention of individual corresponding products.
    The purpose of this study is to explore the key factors that affect the purchase of commercial long-term care insurance, and summarize the key factors that affect the purchase of commercial long-term care insurance through literature review. The questionnaire survey method is mainly aimed at the consumer aspect. The research object is not limited to specific ethnic groups. A total of 200 valid questionnaires have been recovered. The goal is to find out the causal relationship between factors, as well as related important aspects and evaluation factors, which can be used as a reference for decision-making and Use of improvement measures.
    The results of this study show that consumers' health awareness and sense of uncertainty about the future will positively affect their willingness to purchase commercial long-term care insurance.

    第1章緒論 1 1.1 研究背景 1 1.1.1 總人口概況 1 1.1.2 高齡化概況 1 1.1.3 少子化概況 2 第2章文獻探討 4 2.1 台灣人口結構變動趨勢 4 2.2 長期照顧定義 4 2.3 台灣長期照顧保險制度的變遷 6 2.4 商業長期照顧保險現況 7 2.5 商業長期照護保險購買意願 8 2.5.1 台灣商業長期照護保險現況 8 2.5.2 商業長期照護保險購買意願 9 第3章研究方法 11 3.1 研究架構 11 3.2 研究假設 11 3.2.1 健康狀況 11 3.2.2 健康意識及營養選擇 12 3.2.3 對未來不確定感 12 3.2.4 人口統計變數 12 3.3 問卷設計 12 3.3.1 問卷設計 12 3.3.2 問卷結構 13 3.3.3 研究對象 19 3.4 統計方法 19 3.4.1 敘述性統計分析 19 3.4.2 信度分析 19 3.4.3 相關分析 20 3.4.4 迴歸分析 20 第4章實證結果與分析 21 4.1 資料分析 21 4.2 獨立樣本T檢定、變異數分析 33 4.3 相關係數 34 4.4 迴歸分析 35 第5章結論與建議 39 5.1 研究結論 39 5.2 研究建議 41 參考文獻 43

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