指數型保險發展研究-以台灣地震指數型保險為例

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题名:	指數型保險發展研究-以台灣地震指數型保險為例
作者:	嚴和霖;YAN, HE-LIN
贡献者:	土木工程學系
关键词:	地震;風險管理;指數型保險;Taiwan;Risk Management;Index insurance
日期:	2018-08-22
上传时间:	2018-08-31 11:28:34 (UTC+8)
出版者:	國立中央大學
摘要:	台灣地理位置處於環太平洋地震帶，屬於世界上地震災害高風險的地區。在災害風險管理方面，傳統型的地震保險在應對巨災風險時，較難完全覆蓋災害造成的損失。而新型態的指數型保險可以用來作為傳統型保險的輔助工具，協助要保人轉移巨災風險，且相對於傳統型保險較無逆選擇與道德風險等問題。本研究整理了國內外較具代表性的指數型保險案例，可供台灣未來發展指數型保險參考使用。指數型保險是一種新的保險型態，其理賠的依據不同於一般保險是根據要保人的損失而賠償而是根據保單設計時所預先設定好的觸發門檻作為是否理賠的標準，本研究後半段搭配GIS系統中的套疊功能，將台灣周遭的各個震源區對台灣地震發生率的影響離散至台灣各個地區，並且求出震源深度30Km以內、位置落於台灣本島且發生地震規模7以上的各個鄉鎮區域的地震平均年發生率，並依此地震年發生率作為地震指數型保險保單設計時純保費的參考依據。 ;Taiwan locates in Circum-Pacific earthquake zone and is at high risk of earthquakes. However, in terms of disaster risk management, traditional earthquake insurance could not entirely cover the full spectrum from catastrophes. Index insurance can nevertheless help insurance applicants transfer the risk of catastrophes and has less adverse selection and moral hazard problems. The current study reviewed the representative index insurance cases in Taiwan in order to contribute to the future development of index insurance. Index insurance is an insurance that is linked to an index, such as rainfall, temperature, humidity, or crop yields, rather than actual loss. This approach solves some of the problems that limit the application of traditional insurance in developing countries. One key advantage is that the overhead costs are lower. The other important advantage is that index insurance is subject to less adverse selection and moral hazard than traditional insurance. The current study is also practically designed for earthquake index insurance. The study explored the annual frequency of earthquakes, on the island of Taiwan, which have magnitude greater than 7 and of which the source depth is less than 30Km.From the result of the exploration, we can obtain the average annual loss of earthquake in Taiwan which can be used as a reference for premiums.
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