| 摘要(英) |
Over time, global attention to health has significantly increased, driven by several key factors. Particularly since the COVID-19 pandemic began in 2019, there has been a tremendous rise in awareness about personal health. The outbreak not only highlighted the importance of health but also deepened understanding of preventive measures and risk mitigation. Technological advancements have also played a crucial role in promoting health consciousness. With the proliferation of wearable devices, individuals can now monitor their health status more precisely—from steps walked to sleep quality, heart rate, and even blood sugar levels—these can all be easily tracked through technological means. This real-time health tracking enables individuals to take a more proactive approach to manage their health. With the rise in health consciousness, insurance companies have also started offering spillover policies aimed at ′prevention in advance′, and spillover policies can interact differently through wearable devices to earn more rewards, as this study focuses on exploring the factors influencing the intent to purchase spillover policies.
This study utilized a questionnaire survey method. The results found that perceived susceptibility, perceived benefits, user attitudes, and product recognition positively affect the purchase of spillover policies. Perceived usefulness and ease of use positively influence attitudes towards using wearable devices, but perceived severity had no positive impact on spillover policies, and perceived barriers to action had no negative impact on purchasing spillover policies. Finally, based on the findings, recommendations are proposed in hopes that insurance companies can better promote spillover policies in the future. |
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