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With the improvement of medical standards, the average life expectancy of our people is extended, coupled with the impact of declining birth rate, Taiwan officially entered the aging society in 2018. In addition, according to the latest population estimation research of the National Development Commission, Taiwan will enter the aging society in 2025. In a super-aged society, that is, the proportion of the population over 65 years old will exceed 20%, so the demand for long-term care population will increase in the future. However, although the government launched long-term care 2.0 in 2017, the current long-term care policy can only meet the most basic guarantees, and people who meet the application requirements, except those with low incomes, have to bear part of the expenses themselves. If you want more comprehensive long-term care services, you will be advised to plan long-term care insurance in advance to make up for the self-pay gap of long-term care 2.0. In addition, people have been affected by the new crown epidemic since 2020, and their health awareness has risen. How to achieve a healthy life and healthy aging has become an issue of public concern.
Therefore, this study takes Taiwanese people as the research object, through the distribution of questionnaires, and using SPSS as a statistical analysis tool, to conduct descriptive statistical analysis, independent sample T-test, single-factor analysis of variance, and chi-square test and other statistical methods to verify Hypothesis, discussing the perceived risk of long-term care insurance policy, long-term care and spillover cognition affect the purchase intention, and the following conclusions are obtained:
According to the analysis of the empirical results of this study, nearly half of the respondents have no experience in purchasing long-term care insurance or spillover policies. Among them, the proportions of long-term care insurance, spillover policies, and long-term care policies with spillover mechanisms are more women than men, and more married than men. For the unmarried. Long-term care policies have the most insurance experience, followed by spillover policies, and the third is long-term care policies with spillover mechanisms. In terms of purchase intentions, 65% of the respondents would be interested in long-term care policies because their relatives and friends have long-term care conditions. They are more willing to buy long-term care insurance. In addition, 48% of the respondents said that they would consider buying a long-term care insurance policy with a spillover mechanism more than general long-term care insurance.
Whether the respondents have purchased long-term care insurance, spillover policies, or long-term care policies with spillover mechanisms There are significant differences in long-term care perceptions, spillover perceptions, and purchase intentions. long-term care insurance policies, they will know more about long-term care and spillover insurance policies, and their willingness to purchase will be higher. In terms of occupation, the willingness to purchase in the financial and insurance industry is significantly higher than that of self-employed respondents. The level of cognition of the financial and insurance industry is significantly different from that of other occupational categories, except that it is not different from that of the pharmaceutical and service industries.
Under the long-term care policy implemented by the government, 56% of the respondents indicated that they were not confident in the long-term care policy implemented by the government, and nearly 60% of the respondents indicated that they would be willing to purchase another product under the current long-term care policy. Commercial long-term care insurance policies. In addition, the results of this study indicate that 58% of the respondents indicated that they are only willing to spend less than 20,000 yuan per year to purchase a long-term care policy.
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