| Summary: | 碩士 === 國立高雄第一科技大學 === 金融系碩士專班 === 105 === In response to the aging problem confronting the world in the 21st century and population aging that leads to long-term care issues, this study explores Taiwan’s long-term care insurance commodities with regard to the government’s 10-year long-term care program 2.0, Long-term Care Insurance Act, and long-term care insurance system. In view of the government’s current implementation policy and lack of financial resources, major insurance companies have launched three types of longterm care commodities in response to the market needs (long-term care insurance, quasi-long-term care insurance, disability care insurance). More and more people have also opted to engaged in preventive planning in advance. In addition, as for whether or not commercial insurances can make up for the insufficiencies of social insurance, it has also been found that the greatest difference among the three types of long-term care commodities lies in investing in purchases that reduce the risk of uncertainty in future long-term care according to the determination of claims. Regardless of which insurance type is purchased, the greatest difference is that compared to life insurance and medical insurance through which we are insured, long-term care compensations are monthly or yearly payments to the insured. By making up for the insufficiencies of the taxation-based government’s social insurance, our basic protection of life after retirement can be ensured.
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