顛覆你想像的保險

以保費為例,因為有了科技協助,「動態保費」的時代也跟著來臨了。未來保險商品也能個人化。目前只根據性別、年齡來計算保費高低。未來透過大數據,將改變過去使用「平均值」來計算保費的方式,而是依照個人行為所產生的風險大小計算出費率之別,讓保單設計轉變成「以人計費、一人一價」。 With help of technology, the premiums may also be priced individually. In the future, it is possible that insurance products become more tailored to meet individuals. At the moment, premiums are based on gender and age. With big data, the cost of premium can be calculated by past averages associated with personal behaviors and risks. In another word, for the same policy, each of the insured pays a different fee.

顛覆你想像的保險

「天有不測風雲,人有旦夕禍福」

對每一個人乃至每一個家庭及每一個企業來說,這句俗諺就能說明了保險對風險管理的重要性。台灣人有多愛保險?根據資料指出台灣過去幾年整體保險市場平均有6%到7%的成長率,平均每位國人擁有2.4張壽險保單,保險滲透度全球排名第二,僅次於開曼群島;保險密度也就是每年的保費支出近14萬元,更是連續5年創歷史新高,主要是國人理財及保險觀念相對普及,對於保單需求殷切,推升保費支出。若以「保險滲透率」及「保險密度」來看,國內保險市場已相當成熟。

“Human fortunes are as unpredictable as the weather”

The adage sums up the mentality in dealing with risk management among families and companies in Taiwan. How well do Taiwanese people take actions when it comes to buying insurances to protect against potential risks? Over the past year, the market saw a 6%-7% growth, with each citizen owning an average of 2.4 policies. The penetration rate in Taiwan is the world’s second highest, only next to the Cayman Islands. The average annual spending on premium is around $140K NTD, and is on the 5 consecutive year of increase. This rise in insurance-related expenditure is certainly the result of higher acceptance and demand. Looking at the penetration rate and density of insurance policies, undoubtedly, the general insurance market of Taiwan is very mature.