台灣，雖是眾所周知的寶島，但每年仍會發生無可避免的天然災害，如颱風、地震等等，因此每每在重大的節慶日，不管是政府或民間團體，皆向上蒼祈求國泰民安、風調雨順，眾人不只希望政治穩定，也希望這塊寶島能風和日麗、雨水充沛，不要有重大天然災害發生。 天然災害，如颱風或地震，既使在科技發達的今天，仍然無可避免，但是有些天然災害卻是有跡可尋能提早防範與因應的，颱風即是最好的例子，其每年發生的時間及次數，影響範圍及損害嚴重性，人們已能提早知悉，相反地，仍有很多天然災害我們仍無法預測，地震，即是到目前為止仍束手無策的災害，因此，如何因應即是一重要課題，本研究即採取以下方式進行討論。首先，透過文獻回顧分析，瞭解台灣發生地震的原因及嚴重性，進而對應出目前政府所採取的對策，接著再以台灣產險業的住宅火險附加地震險為案例，運用波特五力分析出產險業各面向的競爭優勢及劣勢，據此得出以下結論： 1. 教育面：對台灣的地震風險國人應有的心態及對策，民眾必須思考如何有效地降低地震發生時所導致的災害，如何將損失降到最低，不至於被一次嚴重的地震擊垮。 2. 特殊面：地震保險，因有其不可預測性，及範圍大小地域性、損傷的嚴重性等等與其他保險不同。 3. 專屬面：地震保險，不管是業務的招攬、核保的規範、再保的安排、理賠的操作，皆有其困難度。 4. 價值面：地震保險目的在減低個人的財務損失，減少民眾因災害造成的困苦不安並減緩因為災害造成公共資金的枯竭。 5. 保障面：既使發生大地震，因對地震風險認知提升，且有保險的轉嫁，國人的生命財產的損失能降到最低的程度。 本研究結果希望能促使政府立法、執法更周延，國人更有防震保命的意識，而在震後的補救、重建工作能有條不紊。Taiwan is known as Formosa, but every year it also has many such natural disasters as typhoons and earthquakes taking place. It is the duty of the government and other civil bodies to protect the country and the people. The natural disasters, such as typhoons or the earthquakes, still cannot be avoided by today’s technologies. Typhoons may be predictable to some extent, but predicting the occurrence of earthquakes is next to impossible. Given the potential damage of earthquakes and their unpredictability, earthquake insurance should be an important concern to many people living in an area of frequent earthquakes. This research, therefore, explores the issues of earthquake insurance. First, the study conducts a review of past major earthquakes occurred in Taiwan and the countermeasure that the government adopted, then it analyzes the current situations of earthquake insurance in Taiwan. The study reaches the following conclusions: 1. Given the earthquake’s potential disastrous effects, the populace must ponder what the effective ways are to low their damage and losses. 2. Because the earthquake’s unpredictability and its potentially disastrous effect, earthquake insurances should be different from the others. 3. Providing earthquake insurance is difficult in almost every stage of the service offering. 4. The goal of earthquake insurance is to decrease the financial losses of individuals and firms and to avoid the depletion of public purse. 5. Recognizing the importance of earthquake insurance can reduce the losses, at least financially, to a lower degree. Such insurance can help people restore their life faster, giving people greater dignity and the value.
