\u3010\u9245\u4ea8\u7db2\uff0f\u8a18\u8005\u9673\u8559\u7dbe\uff0f\u53f0\u5317\u30112021-03-21<\/p>\n
\u91d1\u7ba1\u6703\u4e3b\u59d4\u9ec3\u5929\u7267\u5c0d\u65bc\u7d14\u7db2\u8def\u4fdd\u96aa\u7684\u614b\u5ea6\uff0c\u5f9e\u539f\u672c\u8a8d\u70ba\u6c92\u5fc5\u8981\u958b\u653e\uff0c\u5230\u7a4d\u6975\u7814\u7a76\u958b\u653e\u53ef\u884c\u6027\uff0c\u4f46\u662f\uff0c\u4fdd\u96aa\u5c6c\u9577\u671f\u5951\u7d04\u95dc\u4fc2\uff0c\u82e5\u60f3\u8981\u7d14\u7db2\u8def\u5316\u6703\u8907\u96dc\u5f88\u591a\uff0c\u4ee5\u76ee\u524d\u53f0\u7063\u7db2\u8def\u6295\u4fdd\u5360\u6bd4\u90fd\u9084\u6975\u4f4e\u7684\u72c0\u6cc1\u4f86\u770b\uff0c\u8981\u771f\u6b63\u8d70\u5230\u958b\u653e\u7d14\u7db2\u8def\u4fdd\u96aa\u9019\u4e00\u6b65\u6050\u6015\u9084\u6709\u883b\u9577\u7684\u8def\u8981\u8d70\uff0c\u4e0d\u904e\u642d\u8457\u672a\u4f86\u8da8\u52e2\uff0c\u6216\u8a31\u53ef\u5148\u5f9e\u4e32\u9023\u5065\u5eb7\u4fc3\u9032\u8207\u6c7d\u8eca\u76f8\u95dc\u4fdd\u96aa\u751f\u614b\u7cfb\u8457\u624b\u3002<\/p>\n
\u7d14\u7db2\u8def\u4fdd\u96aa\u5728\u570b\u5916\u5176\u5be6\u65e9\u5df2\u884c\u4e4b\u6709\u5e74\uff0c\u4e3b\u8981\u662f\u900f\u904e\u7db2\u8def\u5c07\u8f03\u70ba\u7c21\u55ae\u3001\u5236\u5f0f\u5316\u7684\u4fdd\u96aa\u7522\u54c1\uff0c\u5982\u8eca\u96aa\u3001\u65c5\u5e73\u96aa\u7b49\u96c6\u5408\u8d77\u4f86\uff0c\u8b93\u9867\u5ba2\u5728\u7dda\u4e0a\u5e73\u53f0\u6bd4\u8f03\u3001\u9078\u64c7\u53ca\u6c7a\u7b56\uff0c\u540c\u6642\u63d0\u4f9b\u67e5\u8a62\u4fdd\u55ae\u8a0a\u606f\u3001\u7e8c\u4fdd\u6216\u662f\u7406\u8ce0\u7b49\u5404\u9805\u670d\u52d9\u3002<\/p>\n
\u4f8b\u5982\uff1a\u300c\u80a1\u795e\u300d\u5df4\u83f2\u7279\u65d7\u4e0b\u7684\u6c7d\u8eca\u4fdd\u96aa\u696d\u8005 Geico \u516c\u53f8\u3001\u65e5\u672c LifeNet\u3001\u4e2d\u570b\u9996\u5bb6\u7dda\u4e0a\u6295\u4fdd\u516c\u53f8\u773e\u5b89\u4fdd\u96aa\u3001\u9999\u6e2f\u4fdd\u6cf0\u4eba\u58fd\u3001\u9999\u6e2f\u5b89\u6211\u4fdd\u96aa\u3001\u9999\u6e2f One Degree\u3001\u9999\u6e2f\u773e\u5b89\u4fdd\u96aa\u7b49\u3002<\/p>\n
\u4e0d\u904e\uff0c\u4ee5\u65e5\u672c LifeNet \u70ba\u4f8b\uff0c2008 \u5e74\u5c31\u6210\u7acb\uff0c\u4e3b\u653b 20-39 \u6b72\u90fd\u6703\u5340\u6c11\u773e\uff0c\u92b7\u552e\u4fbf\u5b9c\u3001\u7c21\u55ae\u7684\u5b9a\u671f\u58fd\u96aa\uff0c\u865f\u7a31\u4e09\u5206\u9418\u5373\u53ef\u79d2\u61c2\u4fdd\u55ae\u5167\u5bb9\uff0c\u4e26\u53ef\u7528\u7db2\u8def\u3001\u884c\u52d5\u88dd\u7f6e\u5c31\u5b8c\u6210\u6295\u4fdd\uff0c\u4f46\u516c\u53f8\u81f3\u4eca\u5c1a\u672a\u8cfa\u9322\u3002<\/p>\n
\u4e2d\u570b\u7684\u773e\u5b89\u4fdd\u96aa\u662f\u5927\u9678\u9996\u5bb6\u7db2\u8def\u7121\u5be6\u9ad4\u4fdd\u96aa\u516c\u53f8\uff0c\u7531\u879e\u87fb\u91d1\u670d\u3001\u9a30\u8a0a\u53ca\u4e2d\u570b\u5e73\u5b89\u7b49\u6307\u6a19\u9f8d\u982d\u516c\u53f8\u64d4\u4efb\u80a1\u6771\u6240\u6295\u8cc7\uff0c\u5f37\u8abf\u81ea\u52d5\u627f\u4fdd\u53ca\u6838\u4fdd\uff0c\u4e3b\u8981\u92b7\u552e\u5065\u5eb7\u96aa\u3001\u7db2\u8cfc\u9000\u8ca8\u96aa\u7b49\uff0c\u4f46\u5f9e 2013 \u5e74\u6210\u7acb\u81f3\u4eca\u4e5f\u9084\u6c92\u640d\u76ca\u5169\u5e73\u3002<\/p>\n
\u518d\u4f86\u770b\u770b\u53f0\u7063\u4fdd\u96aa\u696d\u7684\u73fe\u6cc1\uff0c\u53bb (2020) \u5e74\u58fd\u96aa\u696d\u7db2\u6295\u65b0\u5951\u7d04\u4fdd\u8cbb\u50c5 7.34 \u5104\u5143\uff0c\u8f03\u524d\u5e74\u8870\u9000\u903e 70%\uff0c\u4e5f\u662f 2014 \u5e74\u958b\u653e\u4f86\u9996\u898b\u8870\u9000\u3002\u7522\u96aa\u696d\u53bb\u5e74\u7db2\u8def\u6295 175.51 \u842c\u4ef6\u65b0\u5951\u7d04\uff0c\u8f03 2019 \u5e74\u5c11\u903e 85 \u842c\u4ef6\u4fdd\u55ae\uff0c\u8870\u9000\u5e45\u5ea6\u8fd1 32.8%\uff0c\u4e3b\u8981\u539f\u56e0\u662f\u75ab\u60c5\u5c0e\u81f4\u570b\u4eba\u7121\u6cd5\u51fa\u570b\uff0c\u7db2\u6295\u65c5\u5e73\u96aa\u6240\u81f4\u3002<\/p>\n
\u4f46\u82e5\u5f80\u524d\u770b\u4e00\u5e74\uff0c2019 \u5e74\u5168\u5e74\u7db2\u8def\u6295\u4fdd\u7684\u65b0\u5951\u7d04\u4fdd\u8cbb\u6536\u5165\u8fd1 40 \u5104\u5143\uff0c\u96d6\u7576\u5e74\u5e74\u6210\u9577\u7387\u8fd1\u56db\u6210\uff0c\u4e14\u4fdd\u8cbb\u53ca\u4ef6\u6578\u90fd\u5275\u6b77\u53f2\u65b0\u9ad8\uff0c\u4e0d\u904e\u7db2\u8def\u6295\u4fdd\u9084\u662f\u50c5\u5360\u6574\u9ad4\u4fdd\u8cbb\u6536\u5165\u7684 0.3%\uff0c\u8981\u64d4\u7db1\u8d77\u7372\u5229\u52d5\u80fd\u7684\u64d4\u5b50\uff0c\u986f\u7136\u843d\u5dee\u9084\u5f88\u5927\u3002<\/p>\n
\u5c24\u5176\u4fdd\u96aa\u696d\u6b63\u9762\u81e8\u4f4e\u5229\u7387\u3001\u570b\u969b\u8ca1\u5831\u6e96\u5247 IFRS 17 \u5373\u5c07\u63a5\u8ecc\u7b49\u6311\u6230\uff0c\u58fd\u96aa\u516c\u53f8\u82e5\u7121\u6cd5\u7372\u5229\uff0c\u6703\u5f71\u97ff\u80a1\u6771\u589e\u8cc7\u610f\u9858\uff0c\u8ca1\u52d9\u7d50\u69cb\u5373\u53ef\u80fd\u5f31\u5316\uff0c\u9019\u5c07\u662f\u8981\u767c\u5c55\u7d14\u7db2\u8def\u4fdd\u96aa\u516c\u53f8\u7b2c\u4e00\u5927\u73fe\u5be6\u554f\u984c\u3002<\/p>\n
\u518d\u8005\uff0c\u4fdd\u96aa\u5c6c\u9577\u671f\u5951\u7d04\u95dc\u4fc2\uff0c\u4f9d\u64da\u73fe\u884c\u6cd5\u898f\uff0c\u7db2\u8def\u6295\u4fdd\u9084\u7121\u6cd5\u89e3\u6c7a\u300c\u89aa\u6664\u89aa\u7c3d\u300d\u7684\u898f\u5b9a\uff0c\u5982\u4f55\u898f\u907f\u9053\u5fb7\u98a8\u96aa\u7b49\u6280\u8853\u554f\u984c\u4e5f\u662f\u8ab2\u984c\uff0c\u66f4\u91cd\u8981\u7684\u662f\u9867\u5ba2\u7684\u6295\u4fdd\u7fd2\u6163\u554f\u984c\uff0c\u56e0\u70ba\u9867\u5ba2\u5728\u7db2\u7ad9\u4e0a\u7406\u89e3\u4fdd\u55ae\u5167\u5bb9\u6709\u5176\u56f0\u96e3\u6027\uff0c\u7562\u7adf\u4fdd\u55ae\u689d\u6587\u7e41\u8907\uff0c\u52a0\u4e0a\u9867\u5ba2\u5728\u7db2\u8def\u4e0a\u8f03\u96e3\u4ee5\u5c08\u6ce8\u65bc\u95b1\u8b80\u6587\u5b57\uff0c\u82e5\u696d\u8005\u4e0d\u662f\u5f9e\u9867\u5ba2\u7684\u89d2\u5ea6\u51fa\u767c\u8a2d\u8a08\u7dda\u4e0a\u96aa\u7a2e\u6216\u662f\u92b7\u552e\u65b9\u5f0f\uff0c\u5373\u4f7f\u7dda\u4e0a\u6295\u4fdd\u4fdd\u8cbb\u8f03\u70ba\u4fbf\u5b9c\uff0c\u6050\u6015\u4e5f\u96e3\u63d0\u9ad8\u9867\u5ba2\u7dda\u4e0a\u6295\u4fdd\u610f\u9858\u3002<\/p>\n
\u4e0d\u904e\uff0c\u56e0\u70ba\u4fdd\u96aa\u79d1\u6280 (Insurtech) \u7684\u61c9\u7528\u5c64\u9762\u8207\u5834\u666f\u8d8a\u4f86\u8d8a\u5ee3\uff0c\u672a\u4f86\u4fdd\u96aa\u516c\u53f8\u9664\u4e86\u81ea\u884c\u958b\u767c InsurTech \u6280\u8853\u3001\u5275\u9020\u5404\u9805\u61c9\u7528\u5834\u666f\u5916\uff0c\u4e5f\u53ef\u900f\u904e\u8207\u79d1\u6280\u516c\u53f8\u3001\u65b0\u5275\u516c\u53f8\u7570\u696d\u5408\u4f5c\uff0c\u4e32\u806f\u8d77\u751f\u614b\u7cfb\uff0c\u4ee5\u81ea\u52d5\u99d5\u99db\u8207\u9810\u9632\u91ab\u7642\u7b49\u672a\u4f86\u8da8\u52e2\u7684\u5d1b\u8d77\uff0c\u9810\u671f\u4fdd\u96aa\u7d50\u5408\u5065\u5eb7\u4fc3\u9032\u8207\u8eca\u806f\u7db2\u7684\u4fdd\u96aa\u751f\u614b\u7cfb\u503c\u5f97\u671f\u5f85\u3002<\/p>\n
\u5176\u4e2d\uff0c\u58fd\u96aa\u5546\u54c1\u8fd1\u5e74\u4f86\u56e0\u70ba\u300c\u5916\u6ea2\u4fdd\u55ae\u300d\u7684\u767c\u5c55\uff0c\u958b\u59cb\u5f9e\u4e8b\u5f8c\u7406\u8ce0\u8d70\u5411\u4e8b\u524d\u9810\u9632\uff0c\u4f8b\u5982\uff0c\u4fdd\u96aa\u516c\u53f8\u900f\u904e\u8207\u5065\u8eab\u623f\u7570\u696d\u5408\u4f5c\uff0c\u81ea\u8ffd\u8e64\u88dd\u7f6e\u8490\u96c6\u5ba2\u6236\u904b\u52d5\u6578\u64da\uff0c\u7d66\u4e88\u734e\u52f5\u56de\u994b\u6216\u63d0\u4f9b\u91ab\u7642\u8aee\u8a62\uff0c\u85c9\u7531\u9f13\u52f5\u6c11\u773e\u4e3b\u52d5\u505a\u597d\u5065\u5eb7\u7ba1\u7406\u3001\u5065\u5eb7\u4fc3\u9032\uff0c\u540c\u6642\u9054\u5230\u964d\u4f4e\u7406\u8ce0\u7d66\u4ed8\u98a8\u96aa\uff0c\u9810\u671f\u4fdd\u96aa\u696d\u53ef\u5728\u5927\u5065\u5eb7\u751f\u614b\u7cfb\u4e2d\u627e\u5230\u65b0\u6a5f\u6703\u3002<\/p>\n
\u53e6\u5916\uff0c\u81ea\u52d5\u99d5\u99db\u3001\u8eca\u8f1b\u5171\u4eab\u6b63\u706b\u71b1\u767c\u5c55\uff0c\u4fdd\u96aa\u516c\u53f8\u672a\u4f86\u8eca\u96aa\u52e2\u5fc5\u5c07\u91cd\u65b0\u8a2d\u8a08\u5176\u7522\u54c1\u8207\u670d\u52d9\uff0c\u6240\u4ee5\u73fe\u5728\u5e02\u5834\u4e0a\u5df2\u767c\u5c55\u51fa UBI \u8eca\u96aa\uff0c\u900f\u904e\u8eca\u8f09\u88dd\u7f6e\u548c APP \u8490\u96c6\u884c\u99db\u91cc\u7a0b\u3001\u99d5\u99db\u6642\u6bb5\u3001\u99d5\u99db\u7fd2\u6163\u7b49\u6578\u64da\uff0c\u4e26\u4f9d\u6b64\u5ba2\u88fd\u5316\u4fdd\u8cbb\u53ca\u6298\u6263\u3002<\/p>\n
UBI \u8eca\u96aa\u76ee\u524d\u4ecd\u9762\u81e8\u8a98\u56e0\u6a5f\u5236\u4e0d\u8db3\u7684\u6311\u6230\uff0c\u4ee5\u81f4\u65bc\u7f3a\u4e4f\u8db3\u5920\u8cc7\u8a0a\u91cf\u4f86\u6e96\u78ba\u5b9a\u50f9\uff0c\u91d1\u7ba1\u6703\u53bb\u5e74\u9f13\u52f5\u65b0\u7684 UBI \u8eca\u96aa\u642d\u914d\u4fdd\u96aa\u79d1\u6280\u6372\u571f\u91cd\u4f86\uff0c\u4fdd\u96aa\u82e5\u900f\u904e\u4e32\u806f\u5468\u908a\u76f8\u95dc\u670d\u52d9\u5982\u505c\u8eca\u3001\u9053\u8def\u6551\u63f4\u7b49\uff0c\u63d0\u5347\u9644\u52a0\u50f9\u503c\uff0c\u4fbf\u53ef\u5efa\u7acb\u8d77\u8eca\u806f\u7db2\u4fdd\u96aa\u751f\u614b\u7cfb\u3002<\/p>\n
\u6574\u9ad4\u4f86\u8aaa\uff0c\u91d1\u7ba1\u6703\u5df2\u7d93\u59d4\u5916\u7814\u7a76\u958b\u653e\u7d14\u7db2\u8def\u4fdd\u96aa\u516c\u53f8\u7684\u53ef\u884c\u6027\uff0c\u9810\u8a08\u4eca\u5e74 6\u30017 \u6708\u5b8c\u6210\u5831\u544a\uff0c\u5c46\u6642\u6703\u7d9c\u5408\u5404\u754c\u610f\u898b\u5f8c\uff0c\u5e74\u5e95\u524d\u6703\u5b9a\u596a\u662f\u5426\u9032\u4e00\u6b65\u958b\u653e\u7d14\u7db2\u8def\u4fdd\u96aa\u516c\u53f8\uff0c\u4e0d\u904e\u7121\u8ad6\u6700\u5f8c\u6c7a\u8b70\u6709\u5426\u958b\u653e\uff0c\u4f46\u53ef\u4ee5\u78ba\u5b9a\u7684\u662f InsurTech \u5927\u98a8\u5df2\u8d77\uff0c\u4e92\u806f\u8a2d\u5099\u7684\u666e\u53ca\uff0c\u5f37\u5316\u7dda\u4e0a\u7dda\u4e0b\u7684\u865b\u5be6\u6574\u5408\uff0c\u5c07\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u66f4\u5ba2\u88fd\u5316\u4fdd\u96aa\u7522\u54c1\uff0c\u4e26\u85c9\u6b64\u7a4d\u6975\u7ba1\u7406\u5ba2\u6236\u7684\u98a8\u96aa\uff0c\u56e0\u6b64\u9810\u671f\u806f\u7d50\u578b\u4fdd\u96aa (Connected Insurance) \u6240\u4e32\u9023\u7684\u4fdd\u96aa\u751f\u614b\u7cfb\u53ef\u671f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u3010\u9245\u4ea8\u7db2\uff0f\u8a18\u8005\u9673\u8559\u7dbe\uff0f\u53f0\u5317\u30112021-03-21 \u91d1\u7ba1\u6703\u4e3b\u59d4\u9ec3\u5929\u7267\u5c0d\u65bc\u7d14\u7db2\u8def\u4fdd\u96aa\u7684\u614b\u5ea6\uff0c\u5f9e\u539f\u672c\u8a8d\u70ba\u6c92\u5fc5\u8981\u958b\u653e\uff0c… Read More »\u7d14\u7db2\u8def\u4fdd\u96aa\u958b\u653e\u96e3\u5ea6\u9ad8 \u5169\u5927\u4fdd\u96aa\u751f\u614b\u7cfb\u8f03\u53ef\u671f<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,2],"tags":[],"class_list":["post-2042","post","type-post","status-publish","format-standard","hentry","category-taiwan","category-news"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/posts\/2042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/comments?post=2042"}],"version-history":[{"count":1,"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/posts\/2042\/revisions"}],"predecessor-version":[{"id":2043,"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/posts\/2042\/revisions\/2043"}],"wp:attachment":[{"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/media?parent=2042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/categories?post=2042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurance.vincent-chen.com\/tw\/wp-json\/wp\/v2\/tags?post=2042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}