導入區塊聯盟鏈於保險醫療理賠試辦計畫之研究

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Title:	導入區塊聯盟鏈於保險醫療理賠試辦計畫之研究 Research on Block Alliance chain in the Pilot Program of Insurance and Medical Claims
Authors:	張育禎
Contributors:	企業實務管理數位碩士在職專班
Keywords:	保險理賠區塊鏈智能合約 insurance claims block chain smart contracts
Date:	2021
Issue Date:	2023-02-13 11:10:46 (UTC+8)
Abstract:	台灣保險業的經營，至2019年醫療有效契約達7千466萬件，契約保額12.8兆元，每年新增契約達580萬件，保費收入達3.4兆元，理賠給付件數一年高達1千100萬件，壽險公司平均每日處理超過3萬件理賠申請，理賠金額高達1千400億元，但是醫療理賠程序繁瑣且耗時，理賠爭議與詐領保險金案件時有所聞，如何克服這些問題一直是保險業的痛點。台灣保險業2020年推行理賠保全區塊聯盟鏈試辦計畫，以區塊鏈技術導入壽險產業的傳統行政流程，透過區塊鏈平台交換及共享資訊，加速客戶理賠時效及降低行政作業成本，改善現有理賠流程問題，本研究透過專家訪談，了解目前區塊鏈試辦計畫現況，探討並歸納出聯盟鏈目前缺點及後續發展需關注議題，已提供台灣保險業及保險科技業者發展參考。 In Taiwan’s insurance industry, by 2019, there are 74.66 million valid medical contracts, with a contract insured amount of 12.8 trillion NTD, and 5.8 million new contracts every year. 3.4 trillion of insurance premiums, and 11 million claims a year. Life insurance on average, the company processes more than 30,000 claims ap-plications per day, and the amount of claims is as high as 140 billion. However, the medical claims procedures are cumbersome and time-consuming. Claim disputes and fraudulent claims have been heard from time to time. How to overcome these prob-lems has always been the insurance industry. Pain points. In 2020, Taiwan's insurance industry will implement a pilot program for the blockchain alliance chain for claims protection, and use blockchain technology to in-troduce the traditional administrative process of the life insurance industry, exchange and share information through the blockchain platform, accelerate the timeliness of customer claims and reduce the cost of administrative operations. To improve the existing claims process problems, this research uses expert interviews to understand the current status of the current blockchain pilot project, discusses and summarizes the current shortcomings of the alliance chain and issues that need attention in sub-sequent development, and has provided reference for the development of Taiwan's insurance industry and insurance technology industry
Appears in Collections:	[Master program of business administration in practicing] thesis

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