本研究旨在研究哪些因素為影響購買長照險的保額額度，並依實證結果給予建議。
為因應老年化和少子化，各家保險公司紛紛推出長照保險。因為市面上長照險選擇多，故在自由競爭市場上，保險公司對長照險業績和何種投保人會投保較高的保額多感興趣。本研究選取保險公司300比投保人資料，截取其投保人特徵變數，諸如收入、年紀、性別和婚姻等等，來研究探討何種因子對於保額會有影響，以及影響程度為何。本研究利用迴歸分析得出，收入和女性投保人，對於保額有正向顯著影響，代表收入越高或者投保人是女性，其投保保額越高。另一方面，年紀對於保額數額呈現負相關，但不顯著。同樣，結婚或者未婚民眾對於其投保保額並沒有顯著影響。
進一步使用分量迴歸，探討不同收入和年齡層的投保人對於投保保額的影響。結果顯示，收入越高的民眾，其對於投保保額的反應程度越高。在原本迴歸分析中，對於年齡是不顯著的負相關，但在分量迴歸模型下，得出大約在35歲附近投保人對於投保保額是存在顯著負相關。

This study aims to research the facts that influence the insured amount of long-term care insurance and concludes with evidence to support some advice for insurance companies.
In response to an aging society with fewer children, insurance companies have introduced long-term care insurance. Given the numerous options about long-term care insurance, insurance companies are interested in the performance of long-term care insurance and in what kind of policy holder insures for a higher insured amount on the competitive market. This study includes 300 samples of policy holder characteristics, like income, age, gender and marital status; and it investigates what kind of characteristics can influence insured amounts and what the influence extent is. This study shows that (1) there is a positively significant relation between insured amount and income, and (2) there is a positively significant relation between insured amount and being a female policy holder, as determined by regression analysis. These imply that a higher income or being female relate to a higher insured amount. When comparing with the age variable, age has a negative relation with insured amount, but is insignificant. It is the same with married or single people, in that there is no significant relation with insured amount.
Moreover, we use quantile regression to investigate the effects among the different income or age levels and insured amounts. The evidence suggests that higher income people have more response to insured amount. Initially, insured amount has no relation with the age variable when using regression analysis, but it has a negatively significant relation with mid-thirty policy holders when using quantile regression.

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