產物保險商品組合之內涵及設計The Basic Concepts and Design of Non-Life Insurance Products Mix

摘要
　　保險商品組合乃保險人提供予保險消費者之一組保險商品。良好之產物保險商品組合，除可滿足保險消費者之需求外，尚可增強保險人之核心競爭力及開拓業務。隨著時空環境之改變，產物保險商品組合觀念應跳脫老舊思維，並應結合核心層次保險商品、實際層次保險商品及延伸層次保險商品作整體考量。核心層次保險商品係保險商品之經濟補償功能；實際層次保險商品係核心保險商品藉以實現之書面保險契約；延伸層次保險商品係隨同實際保險商品所延伸之利益或附加價值。在保險商品組合之開發過程中，必須先定位核心層次保險商品，再考慮實際層次保險商品之設計及延伸層次保險商品之搭配。
關鍵字：保險創新、保險商品、保險商品組合
Abstract
　　Insurance Products Mix means a set of Insurance Products which the insurer provide for the insured. Besides the satisfying the needs of insurance consumer, a good Non-Life Insurance Products Mix may assist the insurer to enhance the core competition and expand business. During the course of development process of Insurance Products Mix, we shall consider first the position of Core Insurance Product, second the design of Actual Insurance Product and the tie-in of Augmented Insurance Product.
Keywords: insurance innovation, insurance products, insurance products mix