| Summary: | 碩士 === 國立政治大學 === 風險管理與保險研究所 === 102 === Due to rapid compensation, I want to find out a great flood insurance which can be adopted to the specific environment in Taiwan which may suffer from a lot of typhoon and flood disaster. According to the research of March in 2004, the government and the scholar want to establish a new kind of flood insurance which the insurer and skip the procedure of loss assessment and is leaded by the government, but it cannot go into effect. So I want to find out the problem of this new insurance and try to find the way to solve it, and the insurance company can issue this kind of policy legally.
And this thesis can be separated into two big issues, one is how to define this kind of insurance based to the Insurance Act of Taiwan, and the other is how to solve the problems we will face, for example moral hazard or bad risk pooling. I try to find out some ways to solve these problems by previous way like underwriting or risk prediction.
I also found a lot of weather document from weather bureau of R.O.C to prove this kind of insurance is needed in Taiwan. In the conclusion, I also define the new flood insurance as Non-indemnity based flood insurance which is based on Weather-Index Insurance, so the solution which can be used to solve the problem of the WII can also be used to solve the flood insurance.
All in all, I want to make any effort to establish a new environment of flood insurance to Taiwan.
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