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1 Purchase Decision Process of Earthquake Insurance and Policy Sales Methodologies in Japan Hiroyuki NOZAKI * and Akiyoshi TAKAGI ** Abstract The purpose of this study is to investigate how fire insurance policyholders have made a decision to attach earthquake insurance. In Japan, the earthquake policy is automatically attached to the fire insurance in principle. However, the policy could be opt-out and the degree of participation is not high. This study includes analyses of the results of questionnaire surveys of fire insurance policyholders and insurance agencies in order to clarify factors hindering the incidental rate. The study confirmed that consumers who spent time on considering options chose to enroll in earthquake insurance, in contrast, consumers who did not review options opted-out earthquake policy. The reason behind this is related to policy sales methodology by insurance agencies. Key words Earthquake Insurance, Degree of participation, Incidental rate, Consumer Survey, Opt-out IT Senior Consultant, Financial Technology Solution Division, Nomura Research Institute, Ltd. Paul Mayet Professor, Department of Civil Engineering, Faculty of Engineering, Gifu University

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11 . No. pp.- Vol. No. pp.- No. pp.- go.jp/main/chousa/mar_yosokuchizu/ shubun.pdf No. pp.- mof/councils/jisinpt/report/_.pdf /.pdf syumoku/pdf/index/kanyu_jishin.pdf syumoku/pdf/index/futai_jishin.pdf Vol. No. pp.- No. No. No. No. pp.- lectureplan.html pp.- pp.- pp.- Vol. No. pp.- Sunsetin, C. R. and R. H. ThalerLibertarian Paternalism Is Not an OxymoronUniversity of Chicago Law ReviewVol. No. pp.-

12 Thaler, R. H. and C. R. Sunstein BP pp.- Daniel Kahneman, Jack L. Knetsch and Richard H. ThalerThe Endowment Effect, Loss Aversion, nd Status Quo BiasJournal of Economic PerspectivesVol. No. pp.- Okura M., Nozaki H. and Iwase K.Observation on the Segmentation of Earthquake Insurance in JapanInternational Journal of BusinessVol. No. pp.- JA No. pp.- /nihon/_.htm Dan Ariely NHK

行動経済学　第5巻 (2012) 92-102

行動経済学　第5巻 (2012) 92-102 92 5 (2012) 92 102 * a b c d 要旨 Web 2 1) 2) 2012 1 30 2012 6 11 キーワード: JEL Classification Numbers: H55, D89 1. はじめに 23 15,020 29 2017 16,900 1 * a e-mail: masato.shikata@gmail.com b e-mail: Komamura@econ.keio.ac.jp