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研究生:朱奕昌
研究生(外文):JU, YIH-CHANG
論文名稱:臺灣商業長期照護保險需求因素分析之研究
論文名稱(外文):A Study of Demand Factors Associated with the Purchase of Commercial Long-Term Care Insurance in Taiwan
指導教授:賴麗華賴麗華引用關係楊顯爵楊顯爵引用關係
指導教授(外文):LAI, LI-HUAYANG, HSIEN-CHUEH
口試委員:賴麗華楊顯爵林哲宏陳孟修
口試委員(外文):LAI, LI-HUAYANG, HSIEN-CHUEHLIN, CHE-HUNGCHEN, MENG-SHIOU
口試日期:2017-07-27
學位類別:碩士
校院名稱:國立高雄第一科技大學
系所名稱:風險管理與保險系碩士專班
學門:商業及管理學門
學類:風險管理學類
論文種類:學術論文
論文出版年:2017
畢業學年度:105
語文別:中文
論文頁數:72
中文關鍵詞:長期照護長期照顧保險問卷調查
外文關鍵詞:Long-term CareLong-term Care Insurancequestionnaires
相關次數:
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  • 下載下載:6
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近年來台灣高齡化與少子化的現象逐年增長的劇變,使得長期照顧2.0 規範與商業長期照顧保險保障在長期照顧制度與政策已漸受到關注。這種實現可能會導致長期照護(long-term care, LTC)的需求遞增與其財務負擔。本研究應用主成份分析、獨立t 檢定及單因子變異數分析和相關分析等方法,並從379 份問卷經由信度與效度檢測,結果共萃取出13 個有意義的因素。本研究主要結果顯示: (1). 不同的性別與已婚否對五個變項不具有顯著差異。(2).家庭的經濟支撐者對商業長照保險認知具有顯著差異,但是,有否投保商業長期照護保險對其長照需求與其環境就不具有顯著差異。(3). 不同的的年齡層僅對商業長期照護投保意願」具有顯著差異。 (4).不同職業對政府長期照顧福利與公營長期照顧保險、長期照護資訊經驗以及商業長期照護保險認知具有顯著差異。(5).中部人對長期照護需求與環境、長期照護資訊經驗、商業長期照護保險認知以及商業長期照護投保意願具有顯著的差異。
Recent changes in the growing elderly population and low fertility rate, have been getting attention the role of long-term care 2.0 law and commercial long-term care insurance protection in long-term care system and policy in Taiwan. The reality of changes are likely to drive increasing demand and costs higher financial burden on long-term care (LTC) and long-term care insurance (LTCI). Our methods include principal components of factor analysis, independent-samples t test and single factor variance analysis (Oneway ANOVA) to investigate this issue. The construct validity and the test reliability of questionnaires about demand factors associated with the purchase of commercial long-term care insurance were investigated in subjects 379 in Taiwan. By principal components analysis 13 conceptually meaningful factors were distinguished.Results showed that (1). gender and marriage have not a significant effect on five variables. (2).family economic supports are more concerned for business LTC insurance cognition only, but LTCI insured is not concerned for LTCI needs and its environment.(3). different of age level are more concerned for the wiliness of insuring LTCI only, but different of education level are more concerned for government LTCI welfare and LTC information experience. (4). different occupation was a significant impact on government LTC welfare, LTC information experience, business LTC insurance cognition and the wiliness of insuring LTCI. (5). different residences have different views for LTCI needs and its environment, LTC information experience, business LTC insurance cognition and the wiliness of insuring LTCI.
中文摘要 ............I
ABSTRACT ............ II
誌謝 ............. III
目錄 ............. IV
圖目錄 ............VI
表目錄 ............ VII
第一章 緒論 ............1
第一節 研究背景與動機 ............1
第二節 研究目的 ............3
第三節 研究範圍與限制 ............3
第四節 研究架構與流程 ............3
第二章 文獻探討 ............ 5
第一節 長期照護需求與環境 ............ 5
第二節 政府長期照顧福利與公營長期照顧保險 ............ 5
第三節 長期照護資訊經驗及商業長期照護投保意願 ............ 7
第四節 商業長期照護保險發展與人民投保意願 ............ 7
第三章 商業長期照護保險發展 ............9
第一節 長期照護保險與看護保險定義 ............ 9
第二節 臺灣商業長期照顧保險市場與長照政策之概述 ............9
第三節 臺灣商業長期照顧保險市場之概述 ............ 12
第四章 研究方法 ............ 17
第一節 研究設計 ............ 17
第二節 研究方法 ............ 19
第三節 研究變數操作定義 ............20
第四節 研究假設 ............ 24
第五章 實證結果與分析 ............ 26
第一節 次數分配分析 ............ 26
第二節 描述性分析 ............29
第三節 信度分析 ............30
第四節 因素分析 ............30
第五節 獨立樣本t 檢定 ............41
第六節 單因子變異數分析 ............ 43
第七節 相關分析 ............ 49
第六章 結論與建議 ............ 52
第一節 結論 ............ 52
第二節 建議 ............53
參考文獻 ............55
附錄一 問卷調查表 ............58
一、網路資料
Airiti Library 華藝線上圖書館,http://www.airitilibrary.com/

Geneva Papers on Risk and Insurance Issues and Practice,
https://www.genevaassociation.org/publications

Institute of Health Policy , Managenent and Evaluation http://ihpme.utoronto.ca/

Journal of risk and insurance ,http://journalofriskandinsurance.smeal.psu.edu/

World Health Organization,http://www.who.int/en/

中華民國統計資訊網,http://statdb.dgbas.gov.tw/pxweb/Dialog/statfile9.asp

內政部統計處,http://www.moi.gov.tw/stat/index.aspx

二、中文文獻
(一)參考書籍
吳明隆,2014,論文寫作與量化研究(4 版),五南出版社。
吳明隆,涂金棠,2012,SPSS 與統計應用分析,五南出版社。

(二)期刊論文
李世代,2013, "長期照護與照顧(護)管理",社區發展季刊,141 期,頁141-160。
李劭懷,2010,"以日本居家照護推動模式檢視臺灣長期保險開辦初期之因應策略
與規劃",新臺北護理期刊,12 卷,1 期,頁1-5。
蔣欽堯,2007, "長期照護立法的倫理基礎",應用倫理研究通訊,44 期,頁67-77。

(三)學位論文
林玉英,2015, "從社會保險與商業保險探討臺灣長期照顧制度",朝陽科技大學,碩士論文。
林其毅,2013, "臺灣地區民眾對老年安養照顧與長期照護保險需求之研究",國立政治大學,碩士論文。

陳玉芬,2011, "臺灣民眾對於政府與商業長期照護保險認知之研究",國立高雄第一科技大學,碩士論文。

陳玉梅,2013, "長期照護保險偏好之研究",國立中興大學,碩士論文。

陳姿利,2013, "臺灣長期照護現況與精進方案之探討-以高雄市立案長期照顧機構為例",義守大學,碩士論文。

三、英文文獻
(一)參考書籍
Assael, H., 1981, Consumer behavior and executive action, Boston:Kent, 586-611.

Evashwick, C. J., 1991, The continuum of long-term care:innovative model, London:Sage Publications.

Engel, J. F., Blackwel l, R. D. and Miniard, P. W., 1995, Consumer behavior (8th ed.),Dryden Press. New York.

Harris, D. B., 1996, Creating a knowledge-centric information technology environment,e-prints in library and information science.

Holzmann, R. and Hinz, R., 2005, Old-age income support in the 21st century:an
international perspective on pension systems and reform, the World Bank,Washington.

Kane, R. A., 1987, Long-term care:principles, programs, and policies, Springer Press,New York, 530-555.

(二)期刊論文
Brau, R. and Bruni, L. M., 2006, Eliciting the demand for long term care coverage: a discrete choice modelling analysis, Fondazione Eni Enrico Mattei, 71, 1-30.

Brody, R. S., Schottedfeld, D. and Reid, A., 1977, Multiple primary cancer risk after therapy for Hodgkin's disease, Cancer, 40, 1917-1926.

Brown, J. R. and Finkelstein, A., 2009, The private market for long-term care insurance in the United States: a review of the evidence, The Journal of Risk and Insurance,76(1), 5-29.

Brown, J. and Warshawsky, M., 2013, The Life Care Annuity: A new empirical
examination of an insurance innovation that addresses problems in the markets for life annuities and long-term care insurance, The Journal of Risk and Insurance, 80,(3),677-703.

Comas-Herrera, A., Wittenberg, R., Pickard, L. and Knapp, M., 2007, Cognitive
impairment in older people:future demand for long-term care services and the
associated costs, International Journal of Geriatric Psychiatry, 22(10), 1037-1045.

Crosby, L. A. and Stephens, N., 1987, Effects of relationship marketing on satisfaction,retention, and prices in the life insurance industry , The Journal of Marketing Research,24(4), 404-411.

Cuellar, A. and Wiener J., 2000, Can social insurance for long-term care work? The experience of Germany. Health Affairs, 19, 8-25.

Davidoff, T., 2010, Housing, health, and annuities., The Journal of Risk and Insurance,76(1), 31-52.

Dionne, G., 2009, Introduction to the special issue on long-term care insurance and health insurance, The Journal of Risk and Insurance, 76(1), 1-4.

McShane, M. K. 2012, Early mover advantages: evidence from the long-term care
insurance market, The Journal of Risk and Insurance, 79(4), 1115-1141.

McShane, M. K. and Cox, L. A., 2009, Issuance decisions and strategic focus: the case of long-term care insurance, The Journal of Risk and Insurance, 76(1), 87-108.

Miyazawa, K., Moudoukoutas, P. and Yagi, T., 2000, Is public long-term care insurance necessary?, The Journal of Risk and Insurance, 67(2), 249-264.

Mor, V., 2005, Improving the quality of long- term care with better information,Milbank Quarterly, 3(38), 333-364.

Nadash, P. and Shih Y. C., 2012, Introducing social insurance for long-term care in Taiwan: key issues, International Journal of Social Welfare, 22(1), 69-79.

Zack, M. H., 1999, Developing a Knowledge Strategy, California Management Review, 41(3), 125-145.

Zhou-Richter, T., Browne, M. J. and Grundl, H., 2010, Don't they care? or, are they just unaware? risk perception and the demand for long-term care insurance, The Journal of Risk and Insurance, 77(4), 715-747.
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