臺灣推動微型保險機制與發展 : 兼論大陸地區微型保險(小額保險)

“Micro-insurance” is a term increasingly used to refer to the new famous school within international insurance market, making it an alternative significant tool and means for every state government when dealing with problems generated from low-income households and disadvantaged groups, and it has a well become the new blue ocean of future development of international insurance market. The number of the insured of micro-insurance of the domestic property & casualty and life insurance has reached a total of over twenty-one thousand people by 2010, and the total cumulative amount of insurance coverage has exceeded 6.1 billion and eighty million NT dollars, in other words, more than 20.1 thousand of disadvantaged people have received the basic insurance coverage provided by micro-insurance. However, does it mean every real or potential client whoever would purchase the micro-insurance in the future is indeed very poor? Based on this point of view, micro-insurance must adjust to respond to the insured from different channels in accordance with the underwriting side, marketing side, policy terms, insurance claims, and risk management side, etc. Insurance needs is the major cause that induces the development of micro-insurance, as well as the greatest incentive to determine if the insurance industry is able to provide insurance products. This part represents the basis of the spirit of the theory of this study, at the same time, can approaches that expand and extend to the related insurance cost subsidies achieve the developing function of micro-insurance and induce insurance industry to provide available insurance products to enable real, potential, and future insurance demanders purchase affordable insurance protection, for these are keys to the success of micro-insurance. In the meantime, this study has also adopted the related measures and experiences concerning the micro-insurance promoted by the Mainland, and hoped to provide references and comparisons to the initial micro-insurance development of Taiwan. After all, among financial and insurance markets which are close and related to each other, there is the future of the necessity and relatedness. Micro-insurance is aiming at creating an environment of a complete social welfare system where every individual is free to pursue, demand, and be guaranteed. With the implementation of micro-insurance and under the foundation of social insurance and social assistance, together making it a social protection triangle.