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題 名 | 長期看護保險購買意願影響因素之實證研究=The Study of How Long-term Care Insurance Service Effects Customer's Purchase Intention |
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作 者 | 陳明國; 余家駒; | 書刊名 | 管理實務與理論研究 |
卷 期 | 6:4 2012.12[民101.12] |
頁 次 | 頁62-76 |
分類號 | 412.56 |
關鍵詞 | 長期照護險; 購買動機; Long-term care insurance; Purchase motivation; |
語 文 | 中文(Chinese) |
中文摘要 | 本文嘗試從顧客需求面討論影響長期看護險購買意願的影響因素。實證結果顯示,可負擔金額顯著提升現有保戶的購買意願,理賠標準的改變則會誘發保戶對於長期看護險購買意願的提升。保障內容的理解亦能有效提高其購買動機。自我風險認知程度亦與購買意願呈現正向顯著關係,意謂著自我風險認知程度高者,對於長期看護風險持有較為正面的處理態度,因此亦有較高的購買意願。此外,認同程度愈高者,則認為購買長期看護險可以提供解決未來長期看護的費用負擔,故亦有較高的投保動機,整體來說,本文研究結果具有重要的實務意涵。 |
英文摘要 | This article attempts to discuss the impact from the customer demand side impact factor in long-term care insurance purchase intention. The empirical results show that the amount of affordable purchase intentions significantly enhance existing policyholders, claims standards of the change will be induced enhancement of the policyholders' willingness to purchase long-term care insurance. Understanding of the content protection can also improve their buying motives. The degree of self-risk perception and purchase intention positively significant relationship means that a high degree of self-risk perception, risk for long-term care to hold a more positive attitude, and therefore have a higher willingness to buy. In addition, the higher the level of acceptance that the purchase of long-term care insurance can provide solutions to the burden of future long-term care costs, it is also higher insurance motive, overall, the results of this study have important practical implications. |
本系統中英文摘要資訊取自各篇刊載內容。