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As Taiwan is facing a declining birth, rapid population aging and the changes of average lives growing longer , the government must carefully handle retirement living expenses, and the problems of the life disability and medical care.
Among them, the basic protection of the retirement expenses and the medical expenses are provided from the national pension, the labor pension and the national health insurance , while in medical care, the competent authorities passed to make a law of the Long-term Care Service Act in March 2011, and promoted to make the law of Long-term care insurance in 2012. Hope to construct a complete social security system for annuities, medical care and care.
The current lack of long-term care in Taiwan has the characteristics of old age, remote areas, and underprivileged. The purpose of this study is to propose the concept of a micro-insurance in Taiwan by combining the design and characteristics of micro-insurance with the long-term insurance system and products that have been implemented. The concept of Micro-long-term care insurance is intended to enable Taiwan's social security mechanism to be implemented at the bottom of society, so true demanders can be helped and protected.
First，This study compares the long-term care insurance systems of countries around the world, including Japan, the United States, Germany, the Netherlands, Austria, France, and the United Kingdom. It also absorbs the experience of micro-insurance products and marketing supervision in various countries to explore the urgent needs of micro-long-term care insurance products in Taiwan, and the difficulty of carrying out they face , and for the past insurance industry data, such as the average life expectancy of the Chinese, personal annuity business, the voluntary termination rate of the policy, etc., measured the quantitative market analysis to find the corresponding statistical model.
The results of the study show that the number of people insured in Taiwan and the insurance density is higher than that in the world. Moreover, at present, the management of insurance companies is normal for quality assets and insurance payments, and the number of new contractual claims for mental and physical disabilities is closely related to health insurance claims, indicating that the insurance needs of vulnerable groups are relatively high: and the density of personal insurance is health insurance claims,which is negatively correlated, with a correlation coefficient of -0.6462, indicating that the more people insured, the lower the health insurance paid.
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