A Study of Actualization of Natural Catastrophe Insurance in Taiwan
碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 94 === Typhoon and flood are two of the most devastating disasters caused by natural forces in Taiwan. The enormous costs due to the damages caused by these disasters have increased as the increasing of the economic growth. Thus，it is important to have a good and...
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| Format: | Others |
| Language: | zh-TW |
| Published: |
2006
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| Online Access: | http://ndltd.ncl.edu.tw/handle/7z34g2 |
| Summary: | 碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 94 === Typhoon and flood are two of the most devastating disasters caused by natural forces in Taiwan. The enormous costs due to the damages caused by these disasters have increased as the increasing of the economic growth. Thus，it is important to have a good and fair "natural damages insurance police" to fulfill the current insurance industrial systems. To guarantee the safety and wealth of the public，the government should take on the initiative to establish a sound "natural damages insurance police" that cooperates with the government emergency services to reduce the risk of the damages to the country and to public caused by the natural disasters.
The aim of this research is to study the existing natural disaster insurance polices in various countries and to compare these polices with the compulsory earthquake insurance policy administered in Taiwan. We focus on the integration and decision-making process with respect to the risk management aspects. We have developed earthquake and typhoon-food insurances in Taiwan. It is important that the government can constitute some good polices to encourage the public to choose these insurances voluntarily，such as compensation for the low-income people for taking on these insurances，to restrict the authority of underwriting from the insurance company，to set up the regulation to build up the Cat Insurance fund by the Co-insurance system. Meanwhile，it is important to advance the insurance company''s abilities to evaluate and manage the risk from the natural disasters and to educate the public the knowledge of the possible natural disasters and their management. It is our hope that through the cooperation between the insurance business and the government，we could develop an integrated insurance police to protect the public and our society from the unpredictable natural disasters.
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