| URN | etd-0827124-222721 | Statistics | This thesis had been viewed 55 times. Download 5 times. |
| Author | HSIANG-I SHU | ||
| Author's Email Address | b0919684846@gmail,com | ||
| Department | Institute of Industrial Management | ||
| Year | 2023 | Semester | 2 |
| Degree | Master | Type of Document | Master's Thesis |
| Language | zh-TW.Big5 Chinese | Page Count | 114 |
| Title | A Study on the factors influencing Long-Term Care Insurance Purchase Across Different Age Groups － A Case Study of Nan Shan Life Insurance Company | ||
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| Abstract | The global population is experiencing rapid aging, making elderly issues a significant concern for the international community. The challenges faced by Taiwan's aging society include substantial medical expenses and care costs, which not only impose a significant financial burden on individuals with dementia or disabilities and their families but also lead to numerous social problems. This study aims to explore consumers' demand and awareness of commercial long-term care insurance. Through in-depth investigation and analysis, it was found that consumers generally believe that purchasing long-term care insurance can transfer the risk of long-term care, reduce the burden on their children, provide more security for their elderly life, cover long-term care costs, and improve the quality of long-term care, thus increasing their willingness to purchase long-term care insurance. If limited by economic budget, consumers can first purchase term long-term care insurance (starting with basic coverage) and consider purchasing lifetime long-term care insurance (for comprehensive coverage) when the budget permits to ensure complete protection. Through in-depth interviews, we learned that the current consumer awareness of long-term care insurance is still insufficient. Based on the results of the interviews, we categorized consumers into two main groups: one, the middle and lower-income consumers in Taiwan who generally have lower incomes and, despite being aware of the aging society, prefer to spend their money on enjoying life rather than investing in elderly life protection; and two, those willing to sacrifice a comfortable life for security. However, as people increasingly value leisure and healthcare, and with the extension of life expectancy, the issue of long-term care has become unavoidable. Therefore, consumers should choose suitable commercial insurance based on their budget and needs, transferring risks in advance to ensure the security and quality of their elderly life. Keywords: Long-term care insurance, purchase intention |
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| Advisor Committee | |||
| Files | indicate access worldwide | ||
| Date of Defense | 2024-07-22 | Date of Submission | 2024-08-27 |