我國金管會自２０１５年開始提出多項金融科技相關施政目標，２０１９開放純網路銀行的設立，並發放三張純網路銀行執照。純網路銀行的開放後，金管會也研議開放純網路保險公司之設立，隨著亞洲地區其他國家開始陸續推動相關政策，而距離台灣較近的香港更是在近幾年推出新政策，開放快速通道（ＦａｓｔＴｒａｃｋ），並核准四家純網路保險公司的開放。因此，本研究論文首先針對各國純網路保險公司之監管及發展作介紹，綜整美國、法國、德國、中國、日本、香港、新加坡、與印度之純網路保險公司案例及監理法規，發現其中多數國家皆無對純網路保險設立特別規定，相關監理規範遵照原有保險相關法規。而中國明確定義互聯網保險公司的業務規則；香港也對其經營通路方式僅限網路等虛擬方式進行管理，其餘保險相關監理回歸原有保險法規。再聚焦於香港四家虛擬保險（即純網路保險）公司詳細之設立與營運案例，最後彙整香港可供台灣發展純網路保險公司參考之處。以業務種類來說，同時開放人身保險及財產保險，並無特別禁止或偏向某類業務。再者，而香港採多元開放純網路保險的模式，希望能為成熟僵化的市場注入新的創新動力，此外，我國較缺乏科技導向型的新創公司，且金融新創業者獲得資金困難，須靠政策推動金融科技相關的輔助。

Since 2015, Financial Supervisory Commission R.O.C (Taiwan) has proposed a number of fintech-related policy goals. In 2019, the approval of the digital bank was permitted and three online banking licenses were issued. With the establishment of digital banks, the FSC has also discussed approving the establishment of digital insurance companies. As other countries in Asia have begun to promote related policies, for example Hong Kong, has launched new insurance policy - Fast Track, and approve the establishment of four digital insurance companies. Therefore, this thesis first introduces the supervision and development of digital insurance companies, and comprehensively summarizes the cases and supervision regulations of digital insurance companies in the United States, France, Germany, China, Japan, Hong Kong, Singapore, and India. Most of these countries have no special regulations for digital online insurance, and the relevant supervision regulations follow the original insurance-related laws and regulations. Except China clearly defines the business rules of digital insurance companies and Hong Kong restricts that digital insurance companies can only manages its business channels in virtual methods such as the Internet, and the rest of insurance-related supervision returns to the original insurance regulations. Focus on the detailed establishment and operation cases of four digital insurance companies in Hong Kong, and then finally summarize Hong Kong's reference points for the development of digital insurance companies in Taiwan. In conclusion, while taking Hong Kong as an example, both life insurance and property insurance should be approved at the same time. In addition, Hong Kong adopts a diversified types of business models of digital insurance companies, which can inject new disturbances into the mature and rigid market. On the contrary, Taiwan is relatively lack of technology-oriented startups. In the case of financial startup entrepreneurs, which often have difficulty in obtaining funds, are desperately rely on policies to promote fintech-related assistance.

中文部分
期刊論文
1. 周華林、郭金龍(2020)。粵港澳大灣區保險市場發展機遇與政策分析。保險職業學院學報，34卷1期，頁5-12。
2. 陳宇靖(2016)。香港保險業經驗借鑒。合作經濟與科技，2016第7期，頁77-79。
3. 陳麗娟(2011)。德國保險監理體系歐洲化之研究。保險經營與制度，10卷2期，頁211-239。
4. 黃勝英(2008)。香港保險監管體系的特點及其啟示。南方金融，2008第9期，頁34-37頁。
5. 鄭祖軍、張 玲(2015)。淺談我國互聯網保險的商業模式。金融經濟Finance Economy，頁50-51。

博碩士學位論文
1. 蘇維國(2018)。臺灣設立純網路保險公司之法制可行性分析，國立政治大學經營管理碩士學程(EMBA) 學位論文，台北。

網際網路
1. 經濟日報，去年網路投保大減120萬件 保險局揭二大原因，上網日期2021年4月7日，檢自：https://money.udn.com/money/story/5613/5215542?from=edn_hotlist_storybottom
2. OneDegree，OneDegree攜手Buyandship推出貨運保障及免費退貨服務 迎合電子購物攀升需求，上網日期2021年4月7日，檢自：https://www.onedegree.hk/zh-hk/news/onedegree-and-buyandship-offer-parcel-protection-free-return-for-online-shoppers-amid-rising-e-commerce-demand
3. 財富號，眾安在線在醫療上的生態協同，上網日期2021年4月7日，檢自：http://caifuhao.eastmoney.com/news/20200923185035991610720
4. Yahoo財金，ZA Bank進軍保險業務 成為ZA Insure的代理人，上網日期2021年4月7日，檢自：https://hk.finance.yahoo.com/news/za-bank-%E9%80%B2%E8%BB%8D%E4%BF%9D%E9%9A%AA%E6%A5%AD%E5%8B%99-%E6%88%90%E7%82%BA-za-031736970.html
5. 工商時報，純網路保險公司 可望開放，上網日期2021年4月7日，檢自：https://ctee.com.tw/news/insurance/432046.html
6. 遠見，純網路保險將開放 台港混血的OneDegree能激起鯰魚效應，上網日期2021年4月7日，檢自： https://www.gvm.com.tw/article/78841
7. 行政院新聞傳播處，毛揆：打造數位化金融環境3.0 推動金融創新，上網日期2021年4月7日，檢自：https://www.ey.gov.tw/Page/9277F759E41CCD91/7893b6fa-1421-4d4a-8d20-97e517ae05d3

英文部分
（一） 書籍
1. Bernardo N.(2016).Business Innovation in the Post-Crisis Era,Palgrave Macmillan.Digital Insurance.

（二） 期刊
1. Eling,M. andLehmann,M.,(2018).The Impact of Digitalization on the Insurance Value Chain and the Insurability of Risks, The Geneva Papers On Risk And Insurance-Issues, 43, p. 359-396.

（三） 網際網路
1. Juniper Research, Insurtech：The New Insurance Model, Retrieved April 7 2021, from https://www.juniperresearch.com/press/press-releases/insurtechplatform-premiums-to-exceed-$556-billion
2. Will Bowtie make it, Retrieved April 7 2021, from https://www.digfingroup.com/bowtie/
3. Lemonade Website, Retrieved April 7 2021, from https://www.lemonade.com/
4. Oscar Health Website, Retrieved April 7 2021, from https://www.hioscar.com/
5. Alan Website, Retrieved April 7 2021, from https://alan.com/
6. Deutsche Familienversicherung Website, Retrieved April 7 2021, from https://www.deutsche-familienversicherung.de/
7. Lifenet Website, Retrieved April 7 2021, from https://www.lifenetseimei.co.jp/
8. Sony Assurance Website, Retrieved April 7 2021, from https://www.sonysonpo.co.jp/
9. SingLife Website, Retrieved April 7 2021, from https://singlife.com/
10. Acko General Website, Retrieved April 7 2021, from https://www.acko.com/