A Study of Electronic Insurance Policy on Insurance Industry

• Main Authors: Chih-Hsuan Chan, 詹志萱
• Other Authors: Yi-Jen Hu
• Format: Others
• Language: zh-TW
• Published: 2007
• Online Access: http://ndltd.ncl.edu.tw/handle/57650245498449686573

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 95 === Information technology is broadly applied in all industries. The main reason is to reduce operation costs by informationlizating. People and paper are the two most components for insurance industry, hence, informationlization is also helpful to reduce the costs or expenses of human resources and operation. However, in the past, network transaction for information insurance didn’t work well. For a better environment for information insurance, reducing operation costs and increasing profits, the Insurance Bureau allows the insurance company to issue electronic insurance policies. The main contexts of this research include: 1.The technology applied in electronic insurance policy. 2.The promotion and regulations of electronic insurance policy in Taiwan insurance industry. 3.The development of electronic document in other countries. 4.The development of electronic insurance in Taiwan insurance industry. Through this research, we conclude that: 1.Insurance companies should educate their employees about electronic commerce and electronic insurance policy, and making an incentive system for promoting electronic insurance policy. 2.Government institutes should link compulsory insurance database, electronic supervisory websites and Police database, by the linkage, insurance companies don’t have to issue the certificate of auto compulsory insurance to the insured any more. 3.Allowing insurance companies may issue the electronic policy for all insurance products, and making the specific regulation for insurance electronic commerce in insurance law.