X壽險公司保戶對重大疾病保險之認知探討

The Risk Perception to Catastrophic Illness Insurance for the Policy Holders of Life Insurance Company X

重大疾病除了死亡危險之外，還可能帶來沉重的醫藥負擔及其他經濟、社會問題，透過適當的保險規劃，可以使得病患或家屬無論生活上或醫療上均可獲得經濟緩解，在罹患重病時能有一筆錢依病況需要做治療與休養。重大疾病保險是可以在罹患重病時領取一筆現金，作為運用安排生活或醫療，但實務上常發生民眾因誤解重大疾病保險的功能因而造成保險未能充分發揮作用。本研究針對健康保險中的重大疾病保險，透過描述性統計、卡方檢定及單因子變異數分析，以X壽險公司保戶為研究對象，分析是否有重大疾病家族史與可能關聯變數之關係，以及影響投保重大疾病保險保額、重大疾病社會福利與保險認知、重大疾病保險購買意願因子。實證結果顯示，無論有無重大疾病家族史的經驗，對於重大疾病保險認知均不完整，對重大疾病相關的社會福利亦是，表示市場上對於重大疾病保險與其相關社會福利方面有資訊不對稱的情況存在。

Apart from the risk of death, critical illnesses may also bring about heavy burden in terms of medical expenses and other economic and social problems. With suitable insurance plans, patients and their families may get economic relief for both living and medical expenses. Now the most popular insurance products are medical insurance and cancer insurance and the major function of which is to protect customers against the financial risk created by unpredictable medical needs. In particular, claim payment may be provided for necessary therapy and recuperation for the patient's living and medical needs when catastrophic illness are diagnosed. However, in practice, people often misunderstand the function of catastrophic illness insurance, and so the insurance's effect has not been given full play.Among the various types of health insurance, this study aims at the catastrophic illness insurance. Through descriptive statistics, Chi-squared test and ANOVA, policyholders of Insurance Company X were analyzed for the relationship of family history and other associated rariables, their knowledge about social welfare and insurance, and willingness to buy insurance.The empirical result shows that regardless of existence of a family history of catastrophic illness, customers' knowledge is incomplete. It shows that asymmetric information exists.