Implementation Regulations for the Risk Spreading Mechanism of Residential Earthquake Insurance Article 6
When total losses payable for a single earthquake event exceed the total risk assumption amounts of all tiers combined, claim payments for covered losses to each insured shall be reduced proportionately.The TREIF shall periodically review risk assumption limits for each tier of the Insurance in light of the status of underwriting and claim settlements of the residential earthquake insurance, and submit proposals to the competent authorities for timely adjustment.The term "earthquake event" in paragraph 1 shall be deemed to include any second or further occurrence within 168 hours of the original event during the policy period.The proportionately reduced claim payments referred to in the first paragraph shall be reported by the TREIF to the competent authority and announced after approval by the competent authority.
中文原文 住宅地震保險危險分散機制實施辦法第6條
本保險同一次地震事故合計應賠付之保險損失總額超過各層危險承擔限額之合計總額時，按比例削減賠付被保險人之承保損失賠款金額。
本保險各層危險承擔限額，由地震保險基金視本保險之投保、理賠情形，定期檢討研提方案報請主管機關適時調整。
第一項地震事故，於保險期間內連續一百六十八小時內發生二次以上時，視為同一次事故。
第一項削減給付之比例，由地震保險基金報經主管機關核定後公告之。
本保險各層危險承擔限額，由地震保險基金視本保險之投保、理賠情形，定期檢討研提方案報請主管機關適時調整。
第一項地震事故，於保險期間內連續一百六十八小時內發生二次以上時，視為同一次事故。
第一項削減給付之比例，由地震保險基金報經主管機關核定後公告之。