新冠肺炎疫情對消費者購買人壽保險決策影響之探究

Abstract

為降低新冠肺炎帶來損失，臺灣的產物保險公司或是人壽保險公司推出與防疫相關的保單。消費者可能購買保險以降低染疫帶來負面影響。因此，本研究目的係檢視新冠肺炎是否影響消費者購買人壽保險決策。本研究針對採取問卷調查進行研究，以有購買保險者為問卷填答對象。本研究實證結果顯示， 疫情前主要購買保險險種為終身壽險、意外險如：殘癈、失能等，和終身醫療型保險。疫情後主要購買保險險種為意外險如：殘癈、失能等、終身醫療型保險，和定期醫療型保險，此結果顯示消費者於疫情後更注重醫療保障。此外，結果顯示新冠肺炎疫情顯著影響消費者購買保險因素。結果亦顯示，女性與男性對於購買保險因素在疫情前後均有顯著差異。然而，女性與男性認為新冠肺炎疫情對購買保險險種影響不具顯著差異。在選擇保險公司考量部分，女性與男性對「因疫情產生損失的理賠效率」及「重視保險商品對疫情的保障」同意程度具有顯著差異。

In order to reduce the losses from COVID-19 pandemic, property or life insurance companies in Taiwan provide related insurance products. Consumers may purchase insurances to reduce the negative effects of getting infected by the corona virus. Thus, the objective of this study is to investigate whether consumers’ decisions on purchasing life insurance products will be affected by COVID-19 pandemic. This research conducts questionnaire survey and ask people who have purchased life insurance products to fill out the questionnaires.The results indicate that major life insurance products people purchased before COVID-19 pandemic are the lifetime insurance, accident insurance such as disability, and lifetime medical insurance. The major insurance products people purchased after 2020 are accident insurance such as disability, lifetime medical insurance, and fixed term medical insurance. The results show that consumers emphasize more on the medical protection after the COVID-19 pandemic. Furthermore, the results demonstrate that the COVID-19 pandemic significantly affects the reasons which consumers purchase life insurance products. The results also indicate that women’s and men’s opinions are significantly different in why they purchase life insurance before and after the COVID-19 pandemic. However, there is insignificant difference between women and men about insurance types they purchase. In choosing a life insurance company, there are significant differences between women and men in the “the efficiency on how the insurance companies settling the claim” and “protection of insurance products due to COVID-19”.