G D IT 59% 51% 59% 51% 75% 2 Cross Border June 2016

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Cross Border Issue 22 2016 June 本期專題 G7焦點議題

茲卡防疫大作戰暑期旅遊特別警戒業者越來越重視的議題這次網路風險調查包含四 Aon Risk

整體的保險市場針對風險設計創新解決方案以揭示這個不 Aon Risk Solutions

Covering You from Farm to Fork 20 上班族3大健康隱憂腸心肝

2 2016 恐怖主義與政治暴力地圖怡安和 Risk Advisory Group

21 在巴黎召開的會議巴黎氣候協定有超過 144 個國家歡迎下載Cross Border

Benchmarking views and attitudes by industry 2016

1 Cross Border Issue June 本期專題 G7焦點議題 G7領袖高峰會於5月27日閉幕與會先進國針對增加財政支出反貪腐附屬文件反恐怖主義對策和網路社群媒體的不當使用入境管理等的防範對策機場保安措施的加強等發表共同宣言網路風險將成企業最大隱憂本期內容網路風險近年造成的損失重大也是各國風險管理 17 茲卡防疫大作戰暑期旅遊特別警戒業者越來越重視的議題這次網路風險調查包含四 Aon Risk Solutions 大面向網路風險的範圍風險分析對網路保險的態度以及保單承保範圍和架構等整體的保險市場針對風險設計創新解決方案以揭示這個不 Aon Risk Solutions Food System, Agribusiness and Beverage Practice Covering You from Farm to Fork 20 上班族3大健康隱憂腸心肝傷腦筋確定性這些發現極具參考價值 p 恐怖主義與政治暴力地圖怡安和 Risk Advisory Group 的合作已經邁入第九年跨國企業了解風險的分布協助企業如何管理風險我們帶入了保險分析和減緩風險的策略因為恐怖行 23 台灣保險關鍵數字動的猖獗也讓這份地圖使用率更高在面對危機時的預防和反應保護投資的資產產生更大的價值 p.8 太陽能專案的風險管理再生能源目前已經占全世界能源需求的 10% 而且這個比重將隨著各國再生能源設定的發展目標而持續成長根據 2015 年 12 月聯合國的 COP 21 在巴黎召開的會議巴黎氣候協定有超過 144 個國家歡迎下載Cross Border 月刊 Risk. Reinsurance. Human Resources. Benchmarking views and attitudes by industry 2016 Risk. Reinsurance. Reinsurance. Human Human Resources. Resources. Risk. 恐怖行動和政治暴力地圖的設計持續協助許多大型 Risk. Reinsurance. Human Resources. Cyber the fast moving target 將以此為目標 P.14

2 G D IT 59% 51% 59% 51% 75% 2 Cross Border June 2016

25% IT 68% 75% 99% 60% : $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0 $75 2002 $200 2004 2018 *: estimated by PWC 2020 *: estimated

3 25% IT 68% 75% 99% 60% : $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 $0 $ $ *: estimated by PWC 2020 *: estimated by ABI research $ $ % 15 $1,800 $1, $5, * 61% $10, * 17% Cross Border June

4 Aon Cyber Insight model 95% 75% IP / 51% 75% 59% 70% 56% (80%) (58%) (71%) (64%) (56%) 70% 17% 29% 33% 33% % 31% 41% 9% 33% 4 Cross Border June 2016

5 500 億個硬體裝置 2020 / 裝置越多風險越大 / () ( ) 億美元 IP 億美元 / Cross Border June

6 34% /IT () () () (ICOW) ITDR (ICOW) ICOW: (Increased cost of working) ITDR: (Information Technology Disaster Recovery) 19% % 75% 6 Cross Border June 2016

7 IT Cross Border June

2016 18 Risk Advisory Group n n n 1% n n n n n n 471

8 Risk Advisory Group n n n 1% n n n n n n (TVP) + 8 Cross Border June 2016

9 IS 2015 IS IS IS 52% 34% % 30% San Bernardino % Cross Border June

10 2015 Turkey (214) Iraq (845) Afghanistan (312) Pakistan (290) Colombia (189) Nigeria (132) Egypt (257) Palestinian Territories (102) India (170) Thailand (131) Cross Border June 2016

11 The authorities in the West have expressed concern over the apparent shift towards roaming terr using firearms in busy public areas. In March, a UK government minister said that since the attack in Paris, security forces in the UK are now trained and prepared to manage up to ten simultaneou attacks. In late 2015, Western intelligence and police services have issued warnings of potential g and bomb attacks in crowded spaces, especially at events and traffic hubs. The threat has promp police in major Western cities to conduct training drills aimed at preventing consecutive, or Paris style attacks According to the assistant director of Europol, the attacks in Paris are representative of Islamic Sta ability to carry out special-forces style attacks in the international environment. A Europol repor on IS also indicated that IS attacks in future will be primarily directed at soft targets, because of t impact it generates. This convergence of targeting exposed and crowded targets with a shift to marauding gun attac creates new challenges in risk and crisis management. And it carries implications for determining more appropriate insurance cover, with a potential change in emphasis from covering large-scale property damage to business interruption, and loss of life and repatriation. Terrorism casualties in Europe - year on year (to 2015 date) 2016 (to d Shopping malls, a restaurant-anywhere. The idea is to make us believe that w are always going to be in such grave and imminent danger that we actually ha to stop what we re doing and change our choices John and change Kerry our way of life US Secretary of State, John Kerry - November 2015 Cross Border April -May

12 FR 2016 Terrorism & Polit Baffin Bay GREENLA N D Beaufort Sea Davis Strait Norwegian Alaska (US) ICELAND Hudson Bay N CANA D A IRELAND UNITED KINGDOM UNI T E D STAT E S OF AM E RIC A PORTUGAL SPAIN AND Azores (PRT) Gibraltar (GBR) Ceuta (ESP) Madeira (PRT) Melilla (ESP) Bermuda (GBR) MOROCCO M EXICO Gulf of Mexico BAHAMAS ATLANTIC OCEAN The Canaries (ESP) Western Sahara AL CUBA Hawaiian Islands (USA) GUATEMALA EL SALVADOR BELIZE Cayman Islands (GBR) JAMAICA HONDURAS Caribbean Sea HAITI DOMINICAN REP VIRGIN ISLANDS (US and GBR) Martinique (FRA) Netherlands Antilles (NL) ANGUILLA Guadeloupe (FRA) DOMINICA ST. LUCIA BARBADOS PUERTO RICO (USA) ST. KITTS & NEVIS ST. VINCENT & GREN. ANTIGUA & BARBUDA CAPE VERDE GAMBIA MAURITANIA SENEGAL MALI BURKINA FASO NICARAGUA Galapagos Islands (Ecuador) COSTA RICA PANAMA COLOMBIA VENEZUELA GRENADA TRINIDAD & TOBAGO GUYANA French Guiana (FRA) SURINAME GUINEA BISSAU GUINEA SIERRA LEONE LIBERIA COTE D'IVOIRE GHANA ECUADOR SAO TO R BRA ZIL PERU Ascension Island (GBR) SAMOA Niue (NZL) French Polynesia (FRA) PACIFIC OCEAN BOLIVIA St. Helena (GBR) TONGA PARAGUAY ATLANTIC OCEAN URUGUAY C HIL E ARGENTINA Falkland Islands (GBR) Scotia Sea Copyright Aon plc All rights reserved. Aon s approach to terrorism and political violence risk management combines threat assessment, impact analysis and crisis management consulting, with individually structured insurance programmes. For further information, visit: aon.com/terrorismmap 12 Cross Border June 2016

13 ical Violence Risk Map ARCTIC OCEAN Kara Sea Laptev Sea East Siberian Sea Barents Sea Sea SWEDEN FINLAND R USSIA orth Sea NORWAY ESTONIA Bering Sea DENMARK LATVIA LITHUANIA Sea of Okhotsk BELARUS NETHERLANDS POLAND BELGIUM GERMANY ANCE ORRA LUXEMBOURG LIECHTENSTEIN SWITZERLAND ITALY MONACO CROATIA SAN MARINO CZECH REP SLOVAKIA AUSTRIA SLOVENIA VATICAN BOSNIA & HERZ MONTENEGRO HUNGARY KOSOVO SERBIA GREECE UKRAINE MOLDOVA ROMANIA Black BULGARIA Sea F.Y.R. MACEDONIA TURKEY ARMENIA GEORGIA Cas pian S ea AZERBAIJAN KAZAKHSTAN UZBEKISTAN KYRGYZSTAN TURKMENISTAN TAJIKISTAN M ONGOLIA NORTH KOREA TUNISIA M edit erranean S ea MALTA ALBANIA LEBANON CYPRUS PALESTINIAN TERRITORIES ISRAEL SYRIA IRAQ IRAN AFGHANISTAN CHINA SOUTH KOREA JAPAN GERIA BENIN NIGER LIBYA CHAD EGYPT SUDAN ERITREA JORDAN R ed S ea BAHRAIN SAUDI ARABIA YEMEN KUWAIT T he G ulf QATAR UAE G ulf of Aden OMAN SOMALIA DJIBOUTI PAKISTAN Arabian Sea I NDI A NEPAL BANGLADESH BHUTAN Bay of Bengal BURMA (MYANMAR) LAOS THAILAND CAMBODIA VIETNAM HONG KONG MACAU South China Sea East China Sea TAIWAN PHILIPPINES PACIFIC OCEAN GUAM MICRONESIA MARSHALL ISLANDS TOGO NIGERIA CAMEROON EQ GUINEA CENTRAL AFRICAN REPUBLIC SOUTH SUDAN UGANDA ETHIOPIA INDIAN OCEAN MALDIVES SRI LANKA MALAYSIA BRUNEI PALAU NAURU KIRIBATI ME & PRINCIPE GABON KENYA SINGAPORE EPUBLIC OF CONGO DEMOCRATIC REPUBLIC OF CONGO TANZANIA RWANDA BURUNDI SEYCHELLES INDONESIA PAPUA NEW GUINEA SOLOMON ISLANDS MALAWI TIMOR LESTE ANGOLA ZAMBIA COMOROS Timor Sea TUVALU American Samoa (US) FIJI VANUATU MOZAMBIQUE ZIMBABWE MADAGASCAR MAURITIUS BOTSWANA Reunion Island (FRA) New Caledonia (FRA) NAMIBIA KEY A U STRA LIA SOUTH AFRICA SWAZILAND Country risk level Symbols illustrating significant risks LESOTHO Negligible Risk Low Risk Terrorism and Sabotage Strikes, Riots, Civil Commotion and Malicious Damage Tasman Sea Medium Risk High Risk Insurrection, Revolution, Rebellion, Mutiny, Coup d'etat, Civil War and War NEW ZEALAND Severe Risk Line of Control SOUTHERN OCEAN About The Risk Advisory Group plc The Risk Advisory Group is a leading independent global risk consultancy that helps businesses grow whilst protecting their people, their assets and their brands. By providing facts, intelligence and analysis, The Risk Advisory Group helps its clients negotiate complex and uncertain environments to choose the right opportunities, in the right markets, with the right partners. For further information, please visit Cross Border June

10% 2015 12 COP 21 144 2015 3290 23% IRENA 2030 22-23% 40% 5% 2015 1 20 5.

14 10% COP % IRENA % 40% 5% ,100MW 6,200MW Cross Border June 2016

15 ( ) , , , , , , ,229.82KW 691.2KW 688.2KW 100,000MW 6,000MW 60,000MW n / n n n /EPC Cross Border June

16 / / / n (Risk Register) n (Risk Mapping) n (EML Study) n ( ) n / n n n 16 Cross Border June 2016

17 World Health Organization, WHO ,100 Zika virus RNA 10,794 vector borne disease dendritic cells ( Guillain-Barré Syndrome, GBS) Idiopathic Thrombocytopenic Purpura, ITP % (arthralgia) (arthritis) (non-purulent/ hyperemic conjunctivitis) Cross Border June

茲卡防疫大作戰及中間一對淡黃色的縱線喜歡棲息於室內的人工容器或是人為造成積水的地方白線斑蚊胸部背側中間有一條白色且明顯的縱紋比較喜歡棲息於室外斑蚊一天叮咬人的高峰期約在日出後的 1 2 小時及日落前的 2 3 小時此時外出時要特別留意做好防蚊措施 (2) 長時間戶外活動時應穿著長袖衣褲並可在衣服上噴灑防蚊液增強保護效果 (3) 至流行地區活動時

輸血傳染此外由於約有 75%-80% 的個案沒有明顯症狀感染者在不自覺下可能經由捐血將病毒傳染他人因此在流行地區可能會發生輸血感染 2. 清除家戶內外孳生源 3. 建議懷孕婦女如無必要應暫緩前往流行地區若必須前往請做好防蚊措施如穿著淺色長袖衣褲皮膚裸露處塗抹衛福部核可的防蚊藥劑等 4.

18 茲卡防疫大作戰及中間一對淡黃色的縱線喜歡棲息於室內的人工容器或是人為造成積水的地方白線斑蚊胸部背側中間有一條白色且明顯的縱紋比較喜歡棲息於室外斑蚊一天叮咬人的高峰期約在日出後的 1 2 小時及日落前的 2 3 小時此時外出時要特別留意做好防蚊措施 (2) 長時間戶外活動時應穿著長袖衣褲並可在衣服上噴灑防蚊液增強保護效果 (3) 至流行地區活動時應選擇裝有紗窗或空調設備的居住場所 (4) 如果確診為茲卡病毒感染症發病期間要待在蚊帳內或室內避免被蚊子叮咬造成次波傳染 2. 性行為傳染男性可透過性行為把病毒傳給其性伴侶有文獻報告指出已在人類精液中發現茲卡病毒且已有數起茲卡病毒透過性接觸傳染的案例 3. 母嬰垂直傳染部分研究發現茲卡病毒可能躲藏於胎盤及存在於羊水中可經由母嬰垂直傳染 4. 輸血傳染此外由於約有 75%-80% 的個案沒有明顯症狀感染者在不自覺下可能經由捐血將病毒傳染他人因此在流行地區可能會發生輸血感染 2. 清除家戶內外孳生源 3. 建議懷孕婦女如無必要應暫緩前往流行地區若必須前往請做好防蚊措施如穿著淺色長袖衣褲皮膚裸露處塗抹衛福部核可的防蚊藥劑等 4. 具有茲卡病毒感染症流行地區旅遊史之注意事項 (1) 凡自流行地區返國後均應自主健康監測至少二周如有任何疑似症狀應儘速就醫並告知醫師旅遊史預防方法 (2) 男性自流行地區返國後如無出現疑似症狀未茲卡病毒感染症主要經由斑蚊叮咬傳染目前無疫苗可預防避免病媒蚊叮咬是最重要的預防方法來 8 周有性行為時應使用保險套若性伴侶為孕婦則性行為時應戴保險套至性伴侶分娩 (3) 女性自流行地區返國後如無出現疑似症狀仍 1. 防蚊措施建議延後 8 周懷孕 (1) 戶外活動時建議使用經衛生福利部核可含 DEET 的防蚊液並依照標籤指示說明正確使用 5. 自茲卡病毒感染症流行地區離境應暫緩捐血 28 天避免可能造成輸血感染服務團隊怡安健康與福利部專案經理郭世瑛 irene.kuo@aonhewitt.com 18 Cross Border June 2016 怡安健康與福利部專員周月蓮 ines.chou@aonhewitt.com

線上三分鐘保障全程通網路受理旅行平安險便宜享集體彙繳費率快速出國前 2 小時線上申請方便 24 小時全年無休節能線上下載投保明細暨收據 Risk. Reinsurance. Human Resources. 美商安達產物保險股份有限公司個人旅遊保險線上受理流程 : 登入網頁 :https://b2bace.propra.

19 線上三分鐘保障全程通網路受理旅行平安險便宜享集體彙繳費率快速出國前 2 小時線上申請方便 24 小時全年無休節能線上下載投保明細暨收據 Risk. Reinsurance. Human Resources. 美商安達產物保險股份有限公司個人旅遊保險線上受理流程 : 登入網頁 : 登入帳號 : 通路代號 :AON888 / 帳號 :AON888 / 密碼 :AON888 使用者帳號登入線上填寫資料線上信用卡授權付款投保完成投保明細 / 收據要保書條款下載要保書親簽回傳回傳至怡安保障內容保障範圍保險金額 ( 單位 : 新台幣 / 元 ) 意外身故及殘廢 200 萬 300 萬 500 萬 1000 萬意外傷害醫療 20 萬 30 萬 50 萬 100 萬海外突發疾病住院醫療費用 20 萬 30 萬 50 萬 100 萬海外突發疾病門診醫療費用 2,000 / 次 3,000 / 次 5,000 / 次 10,000 / 次天數 / 每人保費 * 附表為 15 足歲以上費率 1 天天天 * 以上商品給付內容投保限制及保險費率等資訊僅供參考, 詳細內容均需依保單條款內容及投保辦法為準, 若有調整亦同 * 商品文號安達產物旅行平安保險身故保險金或喪葬費用保險金殘廢保險金重大燒燙傷保險金北增商字第號函備查, 金管保理字第號函核准, 安達商字第號函備查安達產物旅行平安保險傷害醫療保險給付附加條款傷害醫療保險金北增商字第號函備查, 金管保理字第號函核准, 依金管保財字第號令修正安達產物海外突發疾病健康保險海外突發疾病住院醫療費用保險金海外突發疾病門診醫療費用保險金北增商字第號函備查, 金管保理字第號函核准, 安達商字第號函備查安達產物特定地區除外責任附加條款安達商字第號函備查 * 另有海外旅遊不便險商品可供選擇 * 投保須知 : 1. 本商品內容費率保險給付 ( 相關條件年齡金額等資格 ) 與其他未盡事宜, 悉依保單條款規定為準, 本簡介之內容僅供參考 2. 本商品承保年齡為 0 歲至 90 歲 3. 個人旅遊保險線上申請投保, 單一被保險人限投保乙份高醫療費用地區保障自動加倍 ( 海外突發疾病健康保險適用 ): 地區美加歐洲紐澳日本調整比例 200% 150% 150% 150% 註 : 突發疾病係指被保險人非係以獲得海外醫療為目的, 並在每次出國前九十天以內未曾接受過該項疾病之診斷治療或用藥, 且需即時在醫院或診所治療始能避免損害身體健康之疾病 ; 若該項疾病已完全治療痊癒而在海外期間再度發生者, 亦視為突發疾病 ( 市場上大多為出國前 180 天以內 ) 急難援助服務內容旅遊協助 1. 通譯 / 秘書推薦服務 2. 護照遺失協助 3. 行李遺失詢問 4. 法律協助 5. 使領館相關資訊提供 6. 行前資訊 ( 簽證及檢疫注射 / 天氣 / 外幣匯率 / 航班資訊 ) 7. 緊急資訊 / 文件傳送醫療協助 1. 電話醫療諮詢 2. 推薦醫師診療服務 3. 緊急預定機票及飯店 4. 出院返回工作地 5. 推薦醫療服務機構及預約安排 6. 特殊醫療用品專送 7. 安排入院許可 8. 住院時病況觀察 9. 代墊住院醫療費用 10. 安排緊急醫療轉送 11. 安排緊急醫療轉送回國 12. 安排遺體 / 骨灰運送回國或當地安葬 13. 安排親友前往探視 14. 安排未成年子女返國 * 凡海外旅遊之旅行平安險被保險人本人可享有海外急難援助服務, 不須另行申請若被保險人在安達產險為二份 ( 含 ) 以上保險契約之被保險人時, 該被保險人享有本辦法之服務以一份為限, 住院醫療代墊服務上限為美金 10,000 元 ; 安達產險提供之緊急醫療協助費用負擔亦以美金 50,000 元為限 * 注意事項 : 1. 要保人及被保險人 : 依保險法令相關規定 2. 保險期間 : 最小投保單位以天 (24 小時 ) 為單位, 最高 180 天 3. 具道德危險之投保人, 如吸毒酗酒財務不穩限制出境被保險人與要保人或受益人間無保險利益關係者超額投保或商品承保保險公司認為不宜投保者, 將不得接受該旅遊保件之申請 4. 本公司對於保險招攬行為所衍生之客戶抱怨爭議及申訴, 悉依 Aon 客戶服務申訴政策程序及相關法令處理為確保保戶應有之權益, 敬洽本公司申訴熱線 : 周月蓮 (Ines Chou) 小姐 #513 ines.chou@aonhewitt.com 怡安保險經紀人股份有限公司台北市仁愛路三段 Cross Border 136 June 號樓室

3 5 1 1.5 1.5 3 3 30 (CEA) BMI 24 3 3 3 3 3?

20 (CEA) BMI ?? 2 90% 20% Cross Border June 2016

99.5% 26% 8 D D 1.5 18 40 6 1.8? 6 1. 2. 1/4 1/4 1/2 ( ) 3.

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