| 摘要: | 近年來臺灣社會受到高齡化與少子化的衝擊，造成人口結構劇烈的改變，並衍伸出醫療照護等相關議題。政府積極推動長照相關政策，以因應國人長照的需求。但面臨長照財源有限，照護體系與人力資源不足的挑戰。因此如何運用商業保險來填補長照缺口將是一個重要的議題。
本研究的目的在探討影響商業長期照顧保險銷售之關鍵因素分析，藉由文獻回顧及專家焦點訪談，歸納出影響商業長期照顧保險銷售之關鍵因素。這些因素涵蓋政府構面、消費者構面、社會構面及商品構面等四個構面及構面內含的十七項重要因素。接著以實務界和學術界對於長期看護商業保險相關領域的十位專家為主，進行訪問及資料整理，再透過專家的問卷結果，利用決策實驗室分析法(DEMATEL) 進行測量分析，找出這些因素間之因果關係，以及重要的構面及評估因素，以供決策者做決策參考及改善措施使用。
本研究結果顯示，政府構面及社會構面皆屬於主導因素，皆為影響商業長期照顧保險銷售之最主要影響者。透過改善社會構面及政府構面，消費者構面與商品構面會跟著被影響，進而使商業長期照顧保險的市占率與普及率提升。若從因素來分析，則「長照保險法」為最重要的主導與影響因素，而「高齡化社會」為最重要的驅動因素。此結果可提供政府在推動相關政策時，業者在商品設計與行銷方面，或是消費者在做規劃保險時，做為決策參考之依據，進而降低因高齡化及少子化所帶來的衝擊。
;In recent years, Taiwanese society has been affected by aging population and declining fertility rate, resulting in dramatic changes in the demographic structure, and extended medical care and other related issues. For the reason that the government is also actively promoting long-term policies, in response to the demand for long-term exposure. But it faces a limited source of long-term financial resources, and the challenge of inadequate care systems and human resources. So how to use commercial insurance to fill the long-term gap will be an important issue.
The purpose of this study is to explore the analysis of key factors affecting commercial long-term care insurance sales. Through literature review and expert focus interviews, the key factors affecting commercial long-term care insurance sales are summarized. These factors cover the four facets of government facet, consumer facet, social facet and commodity facet and Seventeen important factors contained in the facet, to organize and access data from ten experts in the field of practice and academia and long-term care for commercial insurance, then through the results of the questionnaire experts, measurement analysis with DEMATEL, Identify the causal relationship between these factors, and important facets and assessment factors, for decision makers to make decision-making references and improve measures.
The results of this study show that both government facet and social facet are the dominant factors, all of which are the most important influencers affecting commercial long-term care insurance sales. By improving social facets and government facets, consumer facets and commodity facets will be affected, which will increase the market share and penetration rate of commercial long-term care insurance. If analyzed from factors, the "Long-term Insurance Law" is the most important leading and influencing factor, and "aging population " is the most important driver. This result can provide the basis for decision-making by the government in the design and marketing of goods, or when consumers are planning insurance, in order to reduce the impact of aging population and declining fertility rate. |
