Implementation Regulations for the Risk Spreading Mechanism of Residential Earthquake Insurance Article 9
The Insurance shall apply a flat premium rate nationwide, and the rate structure shall be as follows:1.Pure premium shall account for 85% of insurance premiums.2.Expense loading shall account for 15% of insurance premiums.The premium rate for the Insurance shall be set by the TREIF on the basis of a risk assessment and in light of the status of underwriting and claim settlements, and announced and implemented after approval by the competent authority.The pure premium received by TREIF from non-life insurers to be allocated to the Pool shall be set by the TREIF on the basis of a risk assessment.The total earned pure premium which TREIF receives from non-life insurers shall be accumulated to the credit of TREIF after deduction of premium allocated to the Pool, the costs in connection with spreading risks to domestic, overseas reinsurers or capital markets, retained claim payment, and the difference between loss component in the previous period and the current period.Expense loading under the Insurance shall include at least the following four items: expenses of the underwriting companies, administrative expenses of the TREIF, credit risk reserve, and reserve against adjustment of premiums for risk spread on reinsurance or capital markets. The credit risk reserve and reserve against adjustment of premiums for risk spread on reinsurance or capital markets shall be accumulated to TREIF, and their set-asides and recalls shall be made in accordance with the method specified by competent authorities.Rules governing the allocation of the foresaid expense loading are to be drafted by TREIF in consultation with the NLIA and sent to competent authorities for approval before enforcement. The same also applies to revision.The credit risk reserve as referred to in paragraph 5 is the provision prepared by TREIF for the risk of the loss resulting from the default of underwriting companies, Pool members, reinsurers or reinsurance brokers.
中文原文 住宅地震保險危險分散機制實施辦法第9條
本保險之保險費採全國單一費率，其費率結構如下：
一、純保險費，占保險費百分之八十五。
二、附加費用，占保險費百分之十五。
本保險之保險費率，由地震保險基金依據風險評估結果及投保、理賠情況訂定，報經主管機關核定後公告實施。
地震保險基金自財產保險業分入之純保險費收入總額，其分配於共保組織之純保險費比率，由地震保險基金依據風險評估結果訂定之。
地震保險基金分入之滿期純保險費收入總額，於扣除共保組織及國內、外再保險市場或資本市場危險分散成本、自留保險賠款及損失組成部分上期與本期差額後之餘額，應全數納入地震保險基金累積處理。
本保險之附加費用用途分配應至少包括簽單公司費用、地震保險基金管理費用及提存信用風險準備與再保險市場或資本市場危險分散成本之預留調整準備等四項。
信用風險準備與危險分散成本之預留調整準備歸屬於地震保險基金，其提存及收回依主管機關指定之方式辦理。
前項附加費用分配，由地震保險基金會商產險公會訂定，報主管機關核定後實施。
修正時，亦同。
第五項所稱信用風險準備為指地震保險基金為因應簽單公司、共保組織會員、再保險人、再保險經紀人違約所致損失之風險所提存之準備。
一、純保險費，占保險費百分之八十五。
二、附加費用，占保險費百分之十五。
本保險之保險費率，由地震保險基金依據風險評估結果及投保、理賠情況訂定，報經主管機關核定後公告實施。
地震保險基金自財產保險業分入之純保險費收入總額，其分配於共保組織之純保險費比率，由地震保險基金依據風險評估結果訂定之。
地震保險基金分入之滿期純保險費收入總額，於扣除共保組織及國內、外再保險市場或資本市場危險分散成本、自留保險賠款及損失組成部分上期與本期差額後之餘額，應全數納入地震保險基金累積處理。
本保險之附加費用用途分配應至少包括簽單公司費用、地震保險基金管理費用及提存信用風險準備與再保險市場或資本市場危險分散成本之預留調整準備等四項。
信用風險準備與危險分散成本之預留調整準備歸屬於地震保險基金，其提存及收回依主管機關指定之方式辦理。
前項附加費用分配，由地震保險基金會商產險公會訂定，報主管機關核定後實施。
修正時，亦同。
第五項所稱信用風險準備為指地震保險基金為因應簽單公司、共保組織會員、再保險人、再保險經紀人違約所致損失之風險所提存之準備。