A study on the factor for high-tech industry to purchasing group insurance

• Main Authors: Wen-Tung Shih, 施文通
• Other Authors: Chung-Jen Hao
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/36447369592960379441

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 97 === Group insurance has been developed for 38 years. In recent years, high-tech industry, which emphasizes on the benefits of employees, has become the focus of Taiwan’s industrial development. Through strategic alliance or mergers of companies, huge business groups with strong bargaining power are formed. However, insurance companies under restriction of relevant laws are not able to expand sources of group insurance business. As a result, group insurance has become a Red Sea market with price competing strategy, causing a bottleneck for group insurance market. This research aims to induce the important factors of the purchase of group insurance in high-tech industry. It is accomplished based on domestic and overseas research design by interviewing with group insurance undertakers in high-tech industry. Through the interviews, it was discovered that price is not the only and most significant concern in group insurance. The importance of the financial situation of the insurance and its administrative operations and added-value are higher than the price factor in purchase behavior of group insurance. Main recommendations concluded from the research are as followed: 1.For the authority A.Legislate on group insurance B.Define “group” in a clear way C.Establish rules on premium rate of group insurance 2.For insurance companies A.Strengthen financial structure within the company B.Use innovative added-service and stable administrative operations as main competitive strategies C.Make profits through selling domain-based commodity by specialized staff