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題 名 | 大學生的安全信念與投保平安險行為間關係之研究=Study of the Relationships between Safety Beliefs and Safety Insurance Behavior of College Students |
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作 者 | 劉俊昌; | 書刊名 | 臺中師院學報 |
卷 期 | 13 1999.06[民88.06] |
頁 次 | 頁431-450 |
分類號 | 525.778 |
關鍵詞 | 安全信念; 投保行為; 大學生; Safety beliefs; Insurance behavior; College students; |
語 文 | 中文(Chinese) |
中文摘要 | 安全是人類的基本需求,意外事故雖非人之所欲,但在生活中仍難免發生。參加 平安保險是補救事故發生時,減少損失的最具體作法。大學生的事故傷害發生率高,政府為 謀補學生因疾病或遭遇意外事故時,家庭所受的經濟損失,訂定「學生團體保險法」,以經 費補助每位學生部分經費,鼓勵參加團體平安保險(學保)。本研究是以378位大學生為樣本, 探討其安全信念與其投保行為間的關係。本研究所謂之安全信念是以健康信念模式(HBM)中 的「感受到嚴重性」、「感受到可能性」、「感受到利益」、「感受到障礙」、以及「行動提示」(cues to action)等變項為指標。本研究中,HBM的各指標是由2-5個題目組成,各指標的信度在 α=.75至.88間。資料是在該學期學保繳費結束後一週內,利用上課時間以問卷方式收集的。 本研究發現HBM中,以感受到利益、感受到障礙與行動提示等三項指標,對投保行為與投保 意願最具解釋力。感受到事故傷害後果的嚴重性、感受到本身發生事故傷害的可能性兩項, 無法區分學生有否投保或是否有投保意願。本研究復以HBM各指標中的各單獨題目為自變 項,分析其與投保行為和投保意願之關係。這些題目中以「已參加全民健保就不必參加學保」 一題對投保行為與意願最具解釋力,單以該題就可正確預測有否投保達72%。該題對下學期 投保意願預測之正確率更高達86%。此結果顯示,學生可能將健保作為學保之替代方法。不 了解投平安保險之利益與缺乏自我保健責任感等原因亦對投保行為與投保意願有顯著影響。 本學期有保者,下學期投保意願顯著高於未投保者。學校宜透過教育方法,協助學生區分學 保與健保之差異、增進其對投學保利益之了解、以及增強學生為本身安全與健康作決定的能 力等,來鼓勵學生的投保行為。 |
英文摘要 | The purpose of this study was to determine the factors affecting college students' decision on purchasing of the Student Safety Insurance Plan (SSIP) Health Belief Model (HBM) was used to predict their behavior and intention of buying the SSIP. In addition, all the items used to forming the variables of HBM were reexamined to determine their predictability. A sample of 378 college students was surveyed. Perceived benefits and perceived barriers are the two most powerful indicators among the HBM variables used to predicate the SSIP behavior and intention. Student's sense of self-responsibility was found to have moderate influence on the behavior. Students who perceived the benefit of the plan were more likely to join the plan than those who were not. Those who perceived barrier were less likely to join it than their counterpart. Those who expressed to have self-responsibility regarding to their health and safety decision have more likely to participate the plan. Perceived seriousness, perceived susceptibility and demographic variables used in this study were not good predictors of the insurance behavior. This study has shown that students future insurance behavior was significantly related to their current insurance status (0.R.=.18). Students who paid the insurance fee this term were 5 times more likely to pay the fee for next term. In order to encourage the students to make wise decision on participating the plan, more information should be given for discriminating the difference and similarity in the coverage between National Health Insurance Plan (NHIP) and the SSIP. Teaching students the skills for responsible decision-making is highly recommended for school authorities in planning their safety and health insurance education programs. |
本系統中英文摘要資訊取自各篇刊載內容。