Regulations Governing Postal Simple Life Insurance Operations Article 9
When drafting the actuarial memorandum during an insurance product’s formal development stage, Chunghwa Post shall precisely implement the following procedures:1. Establishing claim items and gathering information for rate making, as well as confirming that the referenced experience and data are related to premium rate making and complies with the following regulations, and that the premium rates are adequate, reasonable and fair. The rates shall reflect the cost of each item and reasonable profits. Chunghwa Post shall not solicit or conduct insurance business by offering unreasonable prices.(1) The referenced experience and data shall be based on statistical data from the past 3 to 5 years, focusing on domestic data. Experience and data from the company itself shall also be included in the evaluation. However, where there is no statistical data from the past 3 to 5 years, equivalent foreign data may be referenced to.(2) When domestic and foreign data is used to determine the predetermined risk occurrence rate, payment conditions and exclusions specified in the insurance clauses shall be taken into consideration.(3) When referring to domestic and foreign data, Chunghwa Post shall understand and obtain the original data, and shall not directly refer to the occurrence rate provided by the reinsurance company. Chunghwa Post shall also ensure complete consistency with the payment terms and conditions of the insurance clauses.2. Determining age limits, insurance amount limits and types of premium payments.3. Calculating premiums.4. Calculating necessary reserves and setting policies for making changes to insurance contracts.5. Examining the product’s pricing and assessing its risks.6. Reinsurance evaluation.7. Risk control mechanism.While examining the product’s pricing and assessing its risks as mentioned in subparagraph 5 of the preceding paragraph, Chunghwa Post shall precisely implement the following procedures:1. Examining the reasonableness of its assumptions.2. Examining the various profit indicators (including analysis on product profits, asset share or break-even point).3. Examining the appropriateness of the risk assessment results (including the examination on all actuarial data and the sensitivity analysis).4. Examining the consistency of the policy clauses and the actuarial memorandum.When developing and drafting a risk control manual for insurance products, Chunghwa Post shall at least include the evaluation of reinsurance arrangements, sales limit warnings, and control mechanisms, and shall state that the sales limit complies with the risk appetite of the company.
中文原文 郵政簡易人壽保險監督管理辦法第9條
中華郵政公司進行保險商品正式開發研擬計算說明書時，應確實執行下列事項：
一、設定給付項目及蒐集費率釐訂之參考資料，並確認所引用經驗資料與費率之釐訂具關連性及符合下列規定，且費率符合適足性、合理性及公平性，並應反映各項成本及合理利潤，不得以不合理之定價招攬或承作保險業務：
（一）所引用之經驗資料應採最近三至五年統計資料，且應以國內資料為主，倘有公司本身經驗資料者，應併同納入評估。
但無最近三至五年統計資料者，得引用國外相當之資料。
（二）引用國內外資料訂定預定危險發生率時，應配合保險單條款之給付條件及除外責任。
（三）引用國內外資料應確實瞭解並取得其原始資料，不得逕引用再保險公司提供之發生率，且與保險單條款給付條件應完全一致。
二、設定投保年齡限制、投保金額限制及繳費型態。
三、進行保險費試算。
四、計算準備金與契約變更。
五、進行檢測定價及風險評估。
六、再保險評估。
七、風險控管機制。
前項第五款之檢測定價及風險評估應確實執行下列事項：
一、檢測假設之合理性。
二、檢測各項利潤指標（含商品利潤分析、資產額份分析或損益兩平分析）。
三、檢視風險評估結果之妥適性（含各項精算數據之檢測及敏感度分析）。
四、檢視保險單條款及計算說明之一致性。
中華郵政公司進行保險商品正式開發研擬風險控管說明書時，其內容應至少包括評估再保險安排、銷售限額預警及控管機制，且應載明銷售限額符合公司所定風險胃納。
一、設定給付項目及蒐集費率釐訂之參考資料，並確認所引用經驗資料與費率之釐訂具關連性及符合下列規定，且費率符合適足性、合理性及公平性，並應反映各項成本及合理利潤，不得以不合理之定價招攬或承作保險業務：
（一）所引用之經驗資料應採最近三至五年統計資料，且應以國內資料為主，倘有公司本身經驗資料者，應併同納入評估。
但無最近三至五年統計資料者，得引用國外相當之資料。
（二）引用國內外資料訂定預定危險發生率時，應配合保險單條款之給付條件及除外責任。
（三）引用國內外資料應確實瞭解並取得其原始資料，不得逕引用再保險公司提供之發生率，且與保險單條款給付條件應完全一致。
二、設定投保年齡限制、投保金額限制及繳費型態。
三、進行保險費試算。
四、計算準備金與契約變更。
五、進行檢測定價及風險評估。
六、再保險評估。
七、風險控管機制。
前項第五款之檢測定價及風險評估應確實執行下列事項：
一、檢測假設之合理性。
二、檢測各項利潤指標（含商品利潤分析、資產額份分析或損益兩平分析）。
三、檢視風險評估結果之妥適性（含各項精算數據之檢測及敏感度分析）。
四、檢視保險單條款及計算說明之一致性。
中華郵政公司進行保險商品正式開發研擬風險控管說明書時，其內容應至少包括評估再保險安排、銷售限額預警及控管機制，且應載明銷售限額符合公司所定風險胃納。