隨著資訊科技爆炸性發展，產業間以及企業與消費者之間的界線輪廓也不如傳統清晰，除了競爭關係，也存在合作的必要性以及可能性。從犯罪防制的挑戰面向觀察，同業間存在相同的保險詐欺無法被發現的問題，透過彼此交流取代孤軍奮鬥，共同分享彼此資源。另一方面，由評議申訴的面向觀察，由於簽訂契約及保險契約之解釋涉及保險、醫療、法律專業性和技術性，過往消費者求助無門的狀況，在金融消費評議中心出現後，藉由詮釋方式實質改變商品內涵，其動態的本質讓傳統保險契約解釋的驅動光譜，逐漸由業者端往消費者端移動。本研究嘗試從「價值共創」觀點，觀察金融保險業就保險詐欺防範模式的本質，以及觀察評議中心彙整民眾期待之本質，透過契約詮釋實質改變商品內涵進而影響保險業者，探討相關利害關係人如何進行價值共創、價值共創(串)過程中之互動核心、企業如何做出改變、價值共創之實益等問題，以供實務界未來推動價值共創運作參考。

本研究發現，價值共創在保險詐欺防制面向與回應社會期待優先布局面向，皆確實產生實益。壽險業者串聯資源互通有無，解決傳統欠缺調查手段與偵辦主體的問題；在保險業與犯罪防制中心專案小組之協助下，比對、分析，產出異常分析報告，具體協助檢警傳統偵辦保險詐欺案件之困難；對於消費者而言，透過平台轉變成彼此投入的資源，透過相關利害關係人之互動，以及評議中心援引公平合理原則之本質為社會對商業保險價值之彙集，彼此投入的資源相互發展個別問題與共同問題之解決方案。文末指出，即便單純野聚焦在人壽保險業，對於價值共創之具體實踐，仍有各種不同的可能。因此，未來仍有其他價值共創之具體實踐面向，透過逐步拼湊，期待讓「價值共創」更全面地被闡釋與理解。

With the explosive development of information technology, the boundaries between industries and between enterprises and consumers are not as clear as the traditional ones. In addition to competition, there is also the necessity and possibility of cooperation. From the perspective of the challenge of crime prevention, the same problem exists in the industry that cannot be detected in insurance fraud, and exchanges with each other instead of fighting alone and sharing resources together.

From the perspective of appraisal and complaint, since the signing of the contract and the interpretation of the insurance contract involve insurance, medical treatment, legal professionalism and technology, the past situation of consumers having nowhere to ask for help, after the emergence of the financial consumption appraisal center, the interpretation method has been substantially changed The connotation of commodities and their dynamic nature have allowed the driving spectrum of traditional insurance contract interpretation to gradually move from the industry side to the consumer side.

This research attempts to observe the nature of the insurance fraud prevention model in the financial and insurance industry from the perspective of "value co-creation," and the observation and review center to consolidate the nature of the expectations of the people, through the interpretation of contracts, to substantially change the connotation of goods and influence the insurance industry, and to explore relevant stakeholders How to carry out value co-creation, the core of interaction in the process of value co-creation, how companies make changes, and the benefits of value co-creation, etc., for the practical world to promote value co-creation in the future.

This study finds that value co-creation is indeed beneficial in terms of insurance fraud prevention and response to social expectations. The life insurance industry connects the resources to solve the problem of the traditional lack of investigation methods and the main body of investigation; with the assistance of the insurance industry and the crime prevention center task force, compares, analyzes, and produces abnormal analysis reports, and specifically assists the police in traditional investigations and insurance The difficulty of fraud cases; for consumers, it is transformed into resources invested by each other through the platform, through the interaction of relevant stakeholders, and the essence of the principle of fairness and reasonableness invoked by the review center is the collection of the value of commercial insurance by the society and the resources invested by each other Develop solutions to individual and common problems mutually. At the end of the article, it is pointed out that even if the focus is solely on the life insurance industry, there are still various possibilities for the specific practice of value co-creation. Therefore, there will still be other specific practical aspects of value co-creation in the future. Through gradual piece together, we hope that "value co-creation" will be explained and understood more comprehensively.

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