Regulations Governing Online Insurance Business and Online Insurance Services of Insurance Agent Companies and Insurance Broker Companies Article 10
An insurance agent/broker company that conducts online insurance business shall comply with the following:1.The insurance agent/broker company should provide on its website section, webpage or mobile insurance app or those built by its cross-industry partner a description of all insurance products that may be purchased online and the policy clauses for browsing by consumers at any time.2.After a consumer has entered application data and selected the insurance product to be purchased, the insurance agent/broker company should prompt on its website section, webpage or mobile insurance app or those built by its cross-industry partner the full text of insurance policy and important content of the insurance product selected for perusal and agreement by the consumer.3.Purchase and identity verification operation: Before the applicant sends the purchase confirmation, the insurance agent/broker company should verify the applicant’s identity by means of one-time password (OTP), biometrics, mobile ID, Financial Fast Identity Online (Fast-ID) or digital certificate and guide the applicant to complete identity confirmation before completing the whole purchase operation.4.When an insurance agent/broker company handles the online purchase of travel inconvenience insurance or travel comprehensive insurance where the applicant and the insured are not the same person, the process shall be handled in the following manner, except where the applicant purchases insurance for his or her minor child under the age of seven, for which the applicant should declare intent (consent) on behalf of his or her child according to the preceding subparagraph:(1)The applicant and the insured shall complete identity verification and declaration of intent through biometrics, mobile ID, Financial Fast Identity Online (Fast-ID) or digital certificate.(2)When an applicant applies for insurance for his or her minor child over the age of seven, the insured may declare intent by uploading his or her identity document and signing on the signature document for intent to purchase insurance. The insurance agent/broker company should confirm by appropriate means that the declaration of intent is signed by the insured.5.When an insurance agent/broker company handles the online purchase of a personal insurance product where the applicant and the insured are not the same person and the applicant registers with his/her Citizen Digital Certificate, the insured shall declare his/her intent (consent) using the Citizen Digital Certificate only. However for the purchase of travel accident insurance and add-on medical reimbursement insurance, the application may be processed in a manner provided in the preceding subparagraph.6.For the situations in the preceding two subparagraphs, the insurance agent/broker company shall also post on its website section, webpage or mobile insurance app or those built by its cross-industry partner in a conspicuous manner a reminder that the relationship between the applicant and the insured must comply with Article 14 or Article 16 of the Insurance Act.For personal insurance products that are investment-linked annuities, an insurance agent/broker company shall implement the following controls and support operations on its website section, webpage or mobile insurance app:1.Prompt and inform product features and associated risks; in addition, when a consumer applies to purchase such a product, confirm consumer’s understanding of associated risks and consumer’s intent to purchase the product.2.Disclose the entire product content, including but not limited to the following:(1)Operating process for the use of premiums.(2)Policy benefits.(3)Brief introduction of targeted investment.(4)Policy related expenses.(5)Underwriting rules (age and premium limits, etc.)(6)Sales documents (policy clauses and product description) download link.(7)Investment related risks.(8)Reminder about the different time points of premium payment and actual investment.3.Confirm in the application process that the policyholder has fully read important sales documents (e.g. policy clauses and product description) and confirm item-by-item that the policyholder understands the important contents of product and investment risks.4.Clearly disclose various operating processes. Those operations include but are not limited to the following:(1)Payment of premiums.(2)Underwriting.(3)Phone interview.(4)Policy issue.(5)Refund of premiums in case of underwriting denial or contract cancellation.5.Make sure the applicant has given consent to the manner by which the underwriting insurance company will deliver product description and insurance policy in hardcopy or electronic form to the applicant according to applicant’s instruction, and make sure there are no situations of the applicant being enticed into doing something. If it is agreed with the policyholder that the insurance policy will be provided in electronic form, make sure the underwriting insurance company has established an assistance mechanism that reminds policyholder to read or download and sign for the receipt of policy if the policyholder fails to do so within a certain period of time and a response mechanism, and would save the record of policyholder perusing or downloading and signing for the receipt of policy and relevant trail.6.Immediately forward any notification information to the underwriting insurance company via linkup.The disclosure of operating processes mentioned in Subparagraph 4 of the preceding paragraph must be complemented with a timeline that shows the time of each operation. In addition, the difference between the time points of premium payment and actual investment should be clearly revealed to the policyholder.The response mechanism mentioned in Subparagraph 5 of Paragraph 2 hereof means when a policyholder fails to read or download and sign for the receipt of policy within 30 days after the insurance company has delivered the policy, the insurance company should send a hardcopy of the policy to the policyholder for policyholder to read, review and sign for its receipt.
中文原文 保險代理人公司保險經紀人公司辦理網路投保業務及網路保險服務管理辦法第10條
保經代公司辦理網路投保業務，應遵循下列事項：
一、保經代公司應於公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台提供可進行網路投保之所有保險商品之商品說明、保單條款等，以利消費者隨時瀏覽參閱。
二、消費者輸入相關投保資料及選擇欲投保之保險商品後，保經代公司應於公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台上顯示該保險商品之保單條款全文或連結及保險商品重要內容說明，以提供消費者閱覽並點選同意。
三、投保及身分驗證作業：要保人送出確認投保前，保經代公司應發送OTP至要保人手機或電子郵件信箱，以確認身分。
保經代公司發送OTP後，應引導要保人輸入該OTP完成身分確認，始得完成投保作業。
四、保經代公司受理要保人與被保險人不同人，以網路投保人身商品時，要保人以自然人憑證註冊後，被保險人限以自然人憑證為意思表示。
保經代公司並應於公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台，以醒目標示提示消費者有關要保人與被保險人之關係須符合保險法第十六條規定之範圍。
人身保險商品如屬投資型年金保險，保經代公司於網站專區、網頁或公司設置之行動應用程式（APP）投保平台，應建立以下控管與配套作業：
一、提醒告知商品特性及相關風險；另於申請投保時，確認瞭解商品風險及投保意願。
二、應揭露完整商品內容，包括但不限於以下事項：
（一）保險費運作流程。
（二）保險給付項目。
（三）投資標的簡介。
（四）保單相關費用。
（五）投保規定（年齡、保費等限制）。
（六）銷售文件（條款、商品說明書等）下載連結。
（七）投資相關風險。
（八）保費繳交與轉入投資配置時間點不同之相關提醒。
三、申請投保過程中，應確認保戶已完整審閱商品重要銷售文件（如條款、商品說明書等），及逐項確認了解商品重要內容及投資風險。
四、應清楚揭露各項作業流程，前述作業項目包括但不限於以下事項：
（一）保險費繳交。
（二）核保。
（三）電話訪問。
（四）保單發放。
（五）不承保或契撤之退還保險費。
五、應確認代理或業務合作之保險公司按要保人指定之方式，以紙本或電子文件方式交付商品說明書及保險單者，已經要保人表示同意，且不得有誘導要保人之情形。
另如與保戶約定以電子文件方式提供保單者，應確認代理或業務合作之保險公司已建立保戶未於時限內點閱或下載並簽收保單之提醒輔助機制及因應機制，且就保戶所點閱或下載及簽收之紀錄，留存相關軌跡。
六、應即時連線將通報資料傳送保險公司。
前項第四款作業流程之揭露需輔以時間軸方式呈現各項作業相關時間點。
另應就保費繳交與轉入投資配置時間點不同，向保戶清楚揭露。
第二項第五款所稱因應機制係指保戶如於保險公司寄送保單後三十日內未點閱或下載並簽收保單，保險公司應改以紙本保單方式供保戶審閱並簽收。
保險商品如屬傳統型個人人壽保險，保經代公司應提供消費者保險契約約定之審閱期間。
一、保經代公司應於公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台提供可進行網路投保之所有保險商品之商品說明、保單條款等，以利消費者隨時瀏覽參閱。
二、消費者輸入相關投保資料及選擇欲投保之保險商品後，保經代公司應於公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台上顯示該保險商品之保單條款全文或連結及保險商品重要內容說明，以提供消費者閱覽並點選同意。
三、投保及身分驗證作業：要保人送出確認投保前，保經代公司應發送OTP至要保人手機或電子郵件信箱，以確認身分。
保經代公司發送OTP後，應引導要保人輸入該OTP完成身分確認，始得完成投保作業。
四、保經代公司受理要保人與被保險人不同人，以網路投保人身商品時，要保人以自然人憑證註冊後，被保險人限以自然人憑證為意思表示。
保經代公司並應於公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台，以醒目標示提示消費者有關要保人與被保險人之關係須符合保險法第十六條規定之範圍。
人身保險商品如屬投資型年金保險，保經代公司於網站專區、網頁或公司設置之行動應用程式（APP）投保平台，應建立以下控管與配套作業：
一、提醒告知商品特性及相關風險；另於申請投保時，確認瞭解商品風險及投保意願。
二、應揭露完整商品內容，包括但不限於以下事項：
（一）保險費運作流程。
（二）保險給付項目。
（三）投資標的簡介。
（四）保單相關費用。
（五）投保規定（年齡、保費等限制）。
（六）銷售文件（條款、商品說明書等）下載連結。
（七）投資相關風險。
（八）保費繳交與轉入投資配置時間點不同之相關提醒。
三、申請投保過程中，應確認保戶已完整審閱商品重要銷售文件（如條款、商品說明書等），及逐項確認了解商品重要內容及投資風險。
四、應清楚揭露各項作業流程，前述作業項目包括但不限於以下事項：
（一）保險費繳交。
（二）核保。
（三）電話訪問。
（四）保單發放。
（五）不承保或契撤之退還保險費。
五、應確認代理或業務合作之保險公司按要保人指定之方式，以紙本或電子文件方式交付商品說明書及保險單者，已經要保人表示同意，且不得有誘導要保人之情形。
另如與保戶約定以電子文件方式提供保單者，應確認代理或業務合作之保險公司已建立保戶未於時限內點閱或下載並簽收保單之提醒輔助機制及因應機制，且就保戶所點閱或下載及簽收之紀錄，留存相關軌跡。
六、應即時連線將通報資料傳送保險公司。
前項第四款作業流程之揭露需輔以時間軸方式呈現各項作業相關時間點。
另應就保費繳交與轉入投資配置時間點不同，向保戶清楚揭露。
第二項第五款所稱因應機制係指保戶如於保險公司寄送保單後三十日內未點閱或下載並簽收保單，保險公司應改以紙本保單方式供保戶審閱並簽收。
保險商品如屬傳統型個人人壽保險，保經代公司應提供消費者保險契約約定之審閱期間。