An analysis of "Intercare 30" business model

我國在邁入高齡化社會的同時，再加上少子化的趨勢，使得65歲以上之老年人口比例逐年增加。同時在這群老年人口中有部份是屬於經濟弱勢及老弱殘疾，此部分通常是保險公司之拒保族或是無法負擔高額之保險費用而成為社會體制下所遺忘、缺乏完善照顧之族群。因此喬安網路平台股份有限公司推出「安家30專案」，強調繳費低廉、不須體檢、費率平準、無年齡上限皆可加入。因此本研究透過產業分析、市場競爭產品優劣勢分析，並利用資料蒐集(至2010年6月止)，來了解「安家30專案」在產業中之定位及競爭商品中之利基及缺點。然而本研究認為符合此商品目標客群之經濟弱勢且老弱殘疾之族群也僅約16.4萬人左右，再加上同性質之地方往生互助會、老人會或是部分類似特定保險商品的競爭，在沒有地方深耕優勢及知名度等劣勢下，喬安網路平台股份有限公司若想利用「安家30專案」將此事業坐大，於市場中獨佔鰲頭，16.4萬人之潛在客群顯然不足提供喬安網路平台股份有限公司於市場上發光發熱。為了開源增加收益、擴大目標客群，喬安公司研擬消費購物商城平台業務-Hooli 互利購，期望透過此平台與會員關係更緊密、拓展非經濟弱勢老弱殘疾之客群、增加殯葬產業中之服務範圍及與「安家30專案」相輔相成增加會員數及拓展營收。本文針對上述分析，於文末對於「安家30專案」是否真能為喬安網路平台股份有限公司作出貢獻作出評論。Accompany by more senior people and low birth rate, the ratio of population above 65-years-old has been gradually increased. Among the population, some are low-income who can’t afford high insurance premium, some have serious illness that insurance companies refuse to insure, their life have became unsecured and need more care. Thus, "Intercare.com.tw” emphasizes low premium, exempt health examination, equal payment, everyone can participate without age restriction. We focus on industrial analysis, competitive product to analyze “Mutual-Aid Found mechanism and the feasibility study on the Internet mutual indemnification program” strength and weakness. However, only 0.164 million people are their aimed customer, other mutual organizations or insurance policies occupy some customer. It’s hard to survive if only rely on 0.164 million people. We suggest "Intercare.com.tw” to develop a new Internet-based platform named Hooli-Go, which aims to make tighter membership relation, discover potential customers, expand service coverage, and cooperate with “Mutual-Aid Found mechanism and the feasibility study on the Internet mutual indemnification program” to boost revenue. We draw a conclusion on if this combination can make positive contribution to "Intercare.com.tw”