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.