Regulations Governing Postal Simple Life Insurance Operations Article 7
During the research and development of an insurance product, Chunghwa Post shall precisely implement the following procedures:1. Evaluate the appropriateness and legality of the product.2. Evaluate the competitiveness of the rates.3. Evaluate the feasibility of its system administration.4. Evaluate its policy goals and establish feasible courses of action. There shall also be concrete ideas detailing professional duty of care, the prudent person rule, target markets, and consumer safeguards with regard to the design of the insurance product.5. During the design of an insurance product, no false, fraudulent, or exaggerated claims about the performance of the insurance industry may be made, nor any other misleading behavior engaged in.6. Evaluate the effectiveness of risk control mechanisms.7. Evaluate the potential impact and adverse factors of the characteristics of insurance products on clients aged 65 and above, including the suitability for sale to clients aged 65 and above.
中文原文 郵政簡易人壽保險監督管理辦法第7條
中華郵政公司進行保險商品研發時，應確實執行下列事項：
一、評估保險商品之妥適性及合法性。
二、評估保險費水準與市場競爭力。
三、評估系統行政之可行性。
四、評估政策目標並確立可行作法，對於保險商品設計之專業注意義務、善良管理人義務、目標市場及消費者權益保障等事項均應有具體構想。
五、設計保險商品時，不得有虛偽、詐欺、誇大宣傳保險業績效，或其他足致他人誤信之行為。
六、評估風險控管機制有效性。
七、評估保險商品之特性對於六十五歲以上之客戶之潛在影響及各種不利因素，包括評估是否適合銷售予六十五歲以上之客戶。
一、評估保險商品之妥適性及合法性。
二、評估保險費水準與市場競爭力。
三、評估系統行政之可行性。
四、評估政策目標並確立可行作法，對於保險商品設計之專業注意義務、善良管理人義務、目標市場及消費者權益保障等事項均應有具體構想。
五、設計保險商品時，不得有虛偽、詐欺、誇大宣傳保險業績效，或其他足致他人誤信之行為。
六、評估風險控管機制有效性。
七、評估保險商品之特性對於六十五歲以上之客戶之潛在影響及各種不利因素，包括評估是否適合銷售予六十五歲以上之客戶。