[[alternative]]The study of pet insurance

碩士[[abstract]]隨著經濟社會環境變遷，寵物與人類關係亦隨之改變，逐漸成為家庭重要陪伴者。由於寵物不像人類一樣享有全民健康保險之補助，其醫療費用是一筆不小之負擔。若能有寵物的相關保險，對於寵物因疾病或傷害所致之醫療費用，以及寵物侵權行為所致之賠償責任，藉以風險移轉，減輕飼主經濟壓力負擔。 本研究主要針對寵物保險制度做概括性之論述。首先，檢視現行寵物保險保單條款內容並探討其設置意義，以及費率考量因素，接著探討瑞典、英國、美國、日本等國行之有年之寵物保險制度，與我國作一橫向比較。再著從保險經營角度分別由行銷、核保、理賠三個構面來做探討。最後研擬相關建議事項，作為保險業者及主管機關日後修正或經營寵物保險之參考。[[abstract]]With the economic and social environment changes, the relationship between pets and humans also will change, becoming an important family companions. Due to the fact that pets are not like humans who enjoy universal health insurance subsidy. Pet’s medical expenses are not a small burden. If pet owners have a pet-related insurance, they can transfer risk and reduce their the economic burden, regarding pet’s illness or injury caused medical expenses, as well as due to the pet tort liability. This study focused on pet insurance system to do the general discussion. First, viewing the contents of the existing pet insurance policy terms and to explore the meaning of setting, as well as the rate factors of considerations. The study dicuss the pet insurance system in Sweden, the United Kingdom, the United States and Japan’s pet insurance and make a comparison. Then, the study dicuss pet’s insurance operations including marketing, underwriting, claims. Finally, the study propose relevant recommendations as the insurance industry and administration for developing pet insurance in the future.[[tableofcontents]]目 錄 第一章 緒 論 ................................................................................................ 1 第一節 研究動機與目的 .................................................................................................. 1 第二節 研究範圍與方法 .................................................................................................. 5 第三節 研究架構 .............................................................................................................. 7 第四節 研究內容 .............................................................................................................. 8 第二章 文獻回顧 .......................................................................................... 10 第一節 國內文獻 ............................................................................................................ 10 第二節 國外文獻 ............................................................................................................ 17 第三章 寵物保險之理論基礎 ......................................................................... 22 第一節 寵物保險起源與發展 ..................................................................................... 22 第二節 寵物保險意義與功能 ..................................................................................... 24 第三節 寵物保險基本特性 ......................................................................................... 26 第四章 我國寵物綜合保險單之探討 ............................................................... 30 第一節 寵物綜合保險保單條款之說明與分析 ............................................................ 30 第二節 費率考量因素 .................................................................................................... 57 第五章 主要國家寵物保險之探討 ................................................................... 60 第一節 瑞 典 ................................................................................................................ 60 第二節 英 國 ................................................................................................................ 63 第三節 美 國 ................................................................................................................ 75 第四節 日 本 ................................................................................................................ 81 第五節 各國寵物保險比較 ......................................................................................... 88 第六章 寵物保險經營之探討 ......................................................................... 93 第一節 寵物保險之行銷 ............................................................................................. 93 第二節 寵物保險之核保 ............................................................................................. 99 第三節 寵物保險之理賠 ........................................................................................... 106 第七章 結論與建議 ..................................................................................... 113 第一節 結 論 ................................................................................................................ 113 第二節 建 議 ................................................................................................................ 115 主要參考文獻 ............................................................................................... 120 附錄一 美國寵物保險保單條款 ...................................................................... 123 附錄二 日本寵物保單條款 ............................................................................ 133 圖目錄 圖1-1 研究架構圖 ............................................................................................................... 7 圖4-1寵物醫療費用保險人負賠償責任之期間 .............................................................. 43 圖4-2 寵物醫療費用補償保險之自負額 ......................................................................... 45 表目錄 表1-1各國家庭擁有寵物率、貓狗數目、寵物保險投保率 ............................................ 3 表2-1 國內文獻彙整表 ..................................................................................................... 15 表2-2 國外文獻彙整表 ..................................................................................................... 20 表5-1 VPI寵物保險公司承保之其他寵物 ................................................................... 76 表5-2寵物日常護理保障之項目 ...................................................................................... 80 表5-3家庭動物健康保險之保險金額與限制 .................................................................. 84 表5-4 日本寵物保險之賠償方式與金額 ......................................................................... 84 表5-5 各國寵物保險比較表 ............................................................................................. 91 表6-1 理賠申請文件 ....................................................................................................... 111 表7-1研究建議彙整表 .................................................................................................... 119[[note]]學號: 601560195, 學年度: 10