災害保險需求地區性差異之實驗研究

An Experimental Study on the Regional Differences in the Demand for Disaster Insurance

10.29765/TEI.201107.0003

樊沁萍(Chinn-Ping Fan)；陳碧綉(Bih-Shiow Chen)；陳竽蓁(Yu-Chen Chen)

災害保險 ； 風險決策 ； 彩券實驗 ； Disaster Insurance ； Decision Making Under Uncertainty ； Lottery Experiment

經濟研究

47卷2期（2011 / 07 / 31）

265 - 304

繁體中文

台灣颱風洪水險保費依地區不同而有三級差異，高風險區保費比低風險區高出許多。本研究從需求面檢驗不同地區民眾對災害保險之願付價格是否有差異。我們於花蓮（高保費區）、埔里及新竹（低保費區）招募113位受試者參與彩券實驗及問卷調查。我們發現花蓮地區受試者對災害保險之願付價格及購買意願都不比新竹埔里地區爲高。我們也發現受試者行爲支持展望理論之「低機率高估，高機率低估」；問卷研究與彩券實驗之結論一致性甚高。

The premium for disaster insurance in Taiwan has a three-tier structure, with it being much higher for high-risk areas. We focus on the demand side and study whether the willingness to pay are unsimilar for people in different areas. We recruit 113 subjects from Hualien (a high premium areas) and Puli and Hsinchu (low premium areas) to conduct a lottery experiment and questionnaire survey. We find that, in comparison with Puli and Hsinchu, subjects from Hualien do not want to pay a higher premium for disaster insurance and their intentions for buying disaster insurance are also not higher. In addition, we also find that the subjects' behavior supports the prospect theory, in that they tend to overestimate low probabilities and underestimate high probabilities. The results from analyzing questionnaire responses are in agreement with experiment conclusions.

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