Page 125 - 臺大管理論叢第33卷第1期

NTU Management Review
Vol. 33 No. 1 Apr. 2023, 117-162
DOI:10.6226/NTUMR.202304_33(1).0004

Associations of Demand for Private Long-Term Care Insurance,
Willingness to Pay, and Precautionary Savings with Preferences
for Long-Term Care Systems

商業長照保險需求、願付程度、預防性儲蓄與長照制度偏
好的關聯性

Ying-Che Tsai, Department of Finance, Ming Chuan University
蔡英哲 / 銘傳大學財務金融學系
Received 2020/3, Final revision received 2022/7
Abstract
The affordability of Long-term Care (LTC) services under Taiwan’s tax-funded LTC Plan
2.0 for the Taiwanese people who need them, and the preference differences between
Taiwan’s current system and the mandatory public LTC insurance systems of other
countries are topics that remain under debate. We survey Taiwanese individuals (both LTC
demanders and LTC non-demanders) to determine whether the financial burden associated
with LTC services is mitigated through the following finance-related behaviors: demand
for LTC insurance, willingness to pay, and precautionary saving motives, and whether
these three factors significantly influence their choice of LTC systems. Our empirical
results reveal that the respondents who exhibit higher levels of the three aforementioned
finance-related behaviors tend to prefer the public LTC insurance system over the tax-
funded LTC Plan 2.0 system. Moreover, the respondents who prefer the public LTC
insurance system are predominantly male, married, working-class, aged between 40 and
64 years, earning less than NT$1,990,000 annually, genuinely concerned about their
longevity, and anxious about having to make future LTC payments.
【Keywords】demand for private Long-term Care insurance, willingness to pay,
precautionary saving, Long-term Care system

摘 要
相較於國外的強制社會長照保險制度，國人對於現行長照 2.0- 社會福利補貼政策（賦
稅制）是否認同其可滿足符合自身對於長照需求的期待，為本研究的重點。我們藉由
全國性問卷，調查已（曾）有與未有長照需求的民眾，觀察其面對長照風險時，對於
長照保險需求、願付程度與預防性儲蓄的態度，是否影響其對於這兩種長照制度的偏
好及是否具有差異，且差異與個人社會經濟特徵是否有關。實證發現，商業長照保險
需求、願付程度與預防性儲蓄的行為愈積極者，愈偏好長照保險制度，且此一族群的
社會經濟特徵包括：男性、已婚、勞工、年齡愈長（40~64 歲）、年所得 199 萬以下者、
愈擔憂長壽風險者、對長照給付內容的風險的關注（擔憂）程度愈高者。

【關鍵字】 商業長照保險需求、願付程度、預防性儲蓄、長照制度

領域主編：余峻瑜教授

117