Analysis of Factors Influencing the Purchase of Health Insurance

• Main Authors: Shih-Lin Huang, 黃詩玲
• Other Authors: 郝充仁
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/40221065385794958253

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 99 === Due to the aging of population and the extension of life expectancy, people’s need for health insurance increases, and this treatise tries to explore the factors influencing the purchase of health insurance with the method of questionnaire survey. The objects of my research consist of residents living in Taipei area, from twenty to sixty-five years old, with the experience of the purchase of commercial health insurance. At first I sent out 350 copies of questionnaires, and then I retrieved 277 copies, so finally the returns ratio is 79%. My research methods include descriptive statistical analysis, reliability analysis, crosstable analysis and one-way analysis. My questionnaire aims at analyzing the relevance and difference among those variables of demographic statistical variable, recognition of health risk, the purchase of commercial health insurance, and valuating criterions of commercial health insurance purchase. As a result, I will use these variables to explore the factors influencing consumer’s purchase of health insurance. After analysis I find that gender, age, and month income have some relevance to the purchase of health insurance, and age, month income, and family hereditary disease have strong influence to insurance expenditure per year. And what my respondents most afraid of is to result in the burden of family members, and what they secondarily afraid of is the long-term stay on bed due to disabilities. What they thirdly afraid of is the shortage of medical expenditure. Among all the factors of health insurance, the most important factor is “the preparation for future medical expenditure,” the second important factor is to share the future insurance burden of children, and the third important factor is the insufficiency of civil servant insurance, labor insurance, military insurance, and national health insurance. Among the factors of non-purchase of commercial health insurance, the most important factor is “the economic pressure,” then the second important factors are “unfamiliarity to insurance,” and “to think that the protection of civil servant insurance, labor insurance, military insurance and national health insurance is enough.” Therefore, insurance company can increase the channels of marketing, advertise the importance of health insurance, and emphasize the difference and complementariness of health insurance and life insurance. Among all the valuating criterions of purchase, the most attracting factor for consumers is “rapid claim”then the second attracting factor for consumers are“coverage” and “post-sale service.” Sixty percent of respondents emphasize “the attitude of agent” and “professionalization of agent.” My research reveals that insurance expenditure per year has strong influence to “ coverage” and “post-sale service.” As a result, the extension of coverage, the differentiation of commodity, strengthening the educational training, improving the professionalization, and improving agent''s attitude, those factors can lower the lapse rate of policyholder.