目前，全台灣65歲以上的老人共有247萬人，占總人口的10.7%，加上少子化與明年起嬰兒潮世代（1946年到1964年大量出生的人口稱為嬰兒潮世代）開始步入65歲，台灣社會的老化速度正以飛快的速度成長，看準了老年人口的逐步增加與高齡族群在傳統商業保險下的保障缺口，喬安網路平台股份有限公司因而推出「安家30專案」，強調免體檢、無年齡上限、費率平準及資金安全透明等的特色，期望可以開拓市場商機並改善社會安全制度。本研究針對「安家30專案」進行研究分析，針對其產品特色與內容，以互助人觀點探討商品是否具有市場利基，並且以喬安與中華民國儲蓄互助協會台中區會的「安家互助基金專案」為例，探討互助費融資專案於互助平台下之運用及可能風險。
根據本研究之試算，估計參與互助人將主要為預期餘命小於12年之高齡人口，而由於參與互助人可能在經濟、醫療及生活水準上都較社會平均水準來得低，平台死亡率也會高出台灣總體社會平均許多；納入互助費融資後的互助平台，將會對平台風險產生些許改變，但其中最為關鍵的風險仍舊是對互助平台存續性的質疑，若喬安無法解決外界對平台長久性的疑慮，將會造成喬安在吸收會員上的沉重負擔。
未來，一旦喬安因法律上的嚴格規範或是保險業者的加入競爭而無法持續吸引一定數量的會員加入，將會對加入互助平台已久而尚未身故互助人的互助金給付造成威脅，也可能更進一步阻撓新社員加入，互助平台的存續也岌岌可危。
最後，本文建議喬安應設法解決外界對平台存續性的憂慮，如與政府機關洽談適法性的解決辦法、提升互助安定基金對互助人的保障，甚至是增加喬安會員的多元化附加價值服務以吸引不同族群以分散風險，相信若能改善外界對平台風險的種種質疑，平台的發展前景將潛力無窮，也將很有機會成為一金融創新商品中的耀眼巨星。 / The population of over 65 year olds is 10.7% of the total population this year. Accompany with the decrease in the domestic birth rate and the rapidly aging population, the level of aging in Taiwan is becoming more apparent. For these aging people, JA InterCare(JAIC) Incorporation launched “InterCare 30” which features low premiums and the integrity and transparency of the financial data. Everyone can join this system without upper age limitation and health condition. This thesis focused on the “InterCare 30”and the contribution financing. We took the contribution financing which provided by Taichung branch of Credit Union League of ROC as a case to analyze the expected return and risk.
According to our analysis, the main insured’s life expectancy will less than 12 years. Because most of these guys are under-privileged people, the death rate might be higher than normal. Also, the business risk of JAIC is very critical; the mutual aid system would collapse if it became difficult to recruit new contributors or when a large number of contributors withdrew from the plan.
Therefore, we recommended that JAIC should try to set up a legal and sustainable platform. For instance, they could lobby government for legislation, try to increase the amount of stabilization fund or provide more value added products for their insured. If they could set up a real legal and sustainable platform, “InterCare 30”would be a unlimited potential insurance product.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0097357032 |
| Creators | 顏培臣 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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