A Study on Cross-Strait Comparison of Accident Insurance Products

• Main Authors: Pin-Han Su, 蘇品翰
• Other Authors: Tong-Liang Kao
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/99669140759372096222

碩士 === 淡江大學 === 保險學系保險經營碩士班 === 104 === Along with the gradual opening of cross-strait policy, the cross-strait economic exchanges have been increasing more and more since 1992, and the insurance industries of Taiwan and Mainland China started to exchange each other soon after the opening. The cross-strait insurance supervisors have permitted non-life insurance companies to operate accident insurance products as endorsements or riders attached to primary insurance contract in 2001 and 2002 respectively. This research aim to compare and discuss cross-strait accident insurance products, including the following insurances: general accident insurance, group accident insurance, occupational accident insurance and travel accident insurance. We hope that this research can provide some suggestions for cross-strait insurers to operate accident insurance efficiently. In order to compare cross-strait accident insurance products, there are three steps in this research. Firstly, we introduce the history and situations of accident insurance between Taiwan and Mainland China. Next, we compare the accident insurance products of cross-strait life insurance markets to find its differences and similarities. After that, we compare the accident insurance products of cross-strait non-life insurance markets to find its differences and similarities. Finally, we make conclusions from this research and offer some suggestions based on the conclusions for cross-strait insurance companies to improve their policy design and operating in the accident insurance products.