改變保險法告知義務警語方式是否影響要保人誠實告知的行為？

Do Different Types of Warnings about the Duty of Disclosure Influence the Acts of Applicants?

研究目的：分析在保戶填寫告知事項之前或之後，提醒違反保險法第64條據實說明義務可能遭解除契約的警語，是否對告知行為產生不同效果。
研究設計／方法：先以學生進行三階段實驗，模擬警語在前、在後及未提醒三種情境。另外以實際交易保單進行實驗，將警語出現在告知問項之前或之後檢視差異。
研究結果：以實際保單證實採事前提醒警語，比在事後更有效。
研究限制／啟發：本研究將保險消費者心理層面的影響加入保險資訊不對稱相關的研究上。
理論／實務／社會意涵：研究結果發現透過極低的成本，可達到降低逆選擇風險的效果，監理機關亦可據此強化監理品質。
創見／價值：開啟許多未來行為保險研究的可能與改善實務作業，對於實務與文獻有貢獻。

Purpose–Insurance companies issue warnings to applicants regarding the Duty of Disclosure as stipulated in Article 64 of the Taiwan Insurance Act. Our analysis aims to determine whether the timing of informing the applicants, either in advance or after the fact, would have varying impacts on their behavior.
Design/methodology/approach–We conduct a three-stage experiment involving students to gather data. Additionally, we examine the effects of different types of warnings by analyzing real insurance policies data.
Findings–Our findings indicate that applicants exhibit a greater level of truthfulness when they receive warnings in advance, as opposed to receiving them after the fact. Moreover, the disclosure rate of applicants is higher when warnings are provided in advance.
Research limitations/implications–We consider the psychological impact on insurance consumers when dealing with traditional insurance issues. This research can also be applied to the problem of asymmetric information in the insurance market.
Practical implications/Social implications–Our results indicate that the cost of adverse selection can be reduced by using different types of warnings at a very low cost. The Financial Supervisory Commission can also use our findings to strengthen its overall supervision.
Originality/value–This study represents pioneering research in the realm of behavioral insurance and holds the potential to significantly contribute to its practical implementation and real-world applications.