保險在商品市場中為無形卻是必要的。一般而言，民眾不會主動購買保險商品，通常由保險業務員銷售，國人基於自身風險認知考量而購買。
新冠肺炎造成全球數以億計人確診且有過百萬人死亡。本研究主要探討在疫情的廣泛衝擊且提升至三級警戒程度下，國人對於自身風險管理會否採取風險轉嫁的行為，將風險可能發生的損失轉嫁至保險公司。故此本文以S人壽保險公司於2020年1月至2021年12月間透過銀行投保之保險案件共71,511筆為研究資料，並從中隨機取出2,401個樣本。
使用差異中的差異法(difference-in-difference, DID) 對台北及新北兩縣市(雙北地區)及其以外地區的新冠肺炎疫情提升三級警戒前後的投保量來分析國人的風險轉嫁行為。實證結果顯示年紀越大和家庭年收入越高所繳納的保險費越多，而在疫情提升三級警戒後，雙北地區的民眾和高齡者會增加壽險保障進而提升保險費。反之女性、已婚、長繳費年期和雙北地區的保險費越低。本文亦發現提升三級警戒後，雙北地區之保險費比其他地區的保險費多出50.315萬元。此現象說明了雖然疫情三級警戒下保險業務員難以面訪客戶，民眾仍會提升自身保額給自己和家人帶來多一份保障。另外，鑒於新冠肺炎疫情對年長者帶來較嚴重的影響且死亡率更高，故民眾除了採取必要防疫措施也應透過保險轉嫁風險以減低相關損失。

Insurance is an intangible asset in all commodity markets but quintessential. Quite often, the general public will not take the initiative to purchase insurance products, but is recommended by insurance agents. Taiwanese nationals, based on their perception of risks, assess the need to sign insurance policies.
COVID-19 has caused over hundreds of millions of confirmed cases with more than millions of deaths across the globe. This research seeks to investigate Taiwanese national’s risk management behavior under the widespread pandemic by transferring potential losses to insurance companies. This research randomly chooses 2,401 samples from a total of 71,511 insurance cases of S Life Insurance Company underwritten through banks from January 2020 to December 2021.
Applying difference-in-difference (DID) method on insurance premiums, I analyze the risk transfer behavior of Taiwanese people before and after the level-three alert of COVID-19 in Taipei City and New Taipei City (the Greater Taipei area) and other areas. Empirical results show that insured persons who are older and earn a higher annual family income pay a higher premium, and even so for residents of the Greater Taipei area and people of higher age after the level-three alert of the pandemic. In contrast, insured persons who are female, married, have long installments, and live in the Greater Taipei area face a lower premium. I find that insurance premiums are $503.15 thousand dollars more for the Greater Taipei area than the rest of Taiwan, suggesting that even though insurance agents find it difficult to schedule a face-to-face meeting with clients under the level-three alert, nationals will increase their insurance coverage to give additional protection for themselves and their family members. Furthermore, since the COVID-19 pandemic causes more severe impact on the elderly with higher mortality rate, the general public, aside from taking all necessary preventive measures, should mitigate losses through transferring risk to insurance policies.

中文文獻

杜美貴(2022)。新冠肺炎疫情對消費者購買人壽保險決策影響之探究(未出版碩士論文)。臺灣師範大學國際時尚高階管理碩士在職專班，台北市。

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英文文獻

Aizpun, F. C., Lechner, R., Sharan, R., & Xing, L. (2022). World insurance: Inflation risks front and centre. Swiss Re Institute.

Bevere, L., Fan, I., Frey, A., Gillespie, F., Grujovic, A., Holzheu, T., Lechner, R., Saner, P., Sharan, R., Staib, D., & Tschekassin, O. (2020). Rebuilding better: Global economic and insurance market outlook 2021/22. Swiss Re Institute.

Garrett, B. & Gangopadhyaya, A. (2020). How the COVID-19 recession could affect health insurance coverage. Urban Institute.

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