我國學生團體保險制度之革新 Future of Student Group Insurance in Taiwan

摘要
　　學生團體保險係我國教育主管機關對學生人身風險管理的重要政策之一，但現行保險制度雖屬政策保險卻採商業保險機制運作，導致保險公司不願承保學生團體保險，長期不利於學生權益的保障。本文比較學生團體保險和強制汽車責任保險制度，認為二者性質既同屬政策保險，故建議可參採後者成功經驗，採行政策保險「無盈無虧」之經營原則，並以「公辦民營」模式來降低運作成本，由制度面解決市場承保意願低落問題。另籌組具公信力之學保費率審議委員會，負責釐訂公平的費率與契約內容，並強化事後稽核管理機制以降低政府負擔，如此應能有效解決目前學生團體保險遭遇的問題。
關鍵詞：學生團體保險、強制汽車責任保險、政策保險
Abstract
　　Over the recent years, the structure of student group insurance has been decreasing insurers’ motivation to engage in insuring students, which endangers students interest. In this paper, we argue and suggest that the authorities integrate the merits of the compulsory automobile liability insurance into the structure of student group insurance. The Premium Rate Reviewing Committee will determine an actuarially fair premium rate for the insurance. The principles of “no loss no gain” and “private management of public insurance system” must be observed. Moreover, an auditing system should be also in place. We believe that the revised system of student group insurance will increase insurers’ motivation.
Keywords: student group insurance, compulsory automobile liability insurance, policy insurance