Regulations Governing Online Insurance Business and Online Insurance Services of Insurance Agent Companies and Insurance Broker Companies Article 8
An insurance agent/broker company that conducts online insurance business or online insurance services shall provide one of the means below for customers with legal capacity to carry out registration and identity verification, and may not allow a customer to purchase insurance online or receive online insurance services until the customer has completed the registration and identity verification process:1.Online:(1)The legally required information that should be posted on the website section, webpage or mobile insurance app built by an insurance agent/broker company or its cross-industry partner includes but is not limited to declaration of consent to online insurance purchase or online insurance services and disclosure obligation pursuant to the Personal Information Protection Act (referred to as the “Personal Information Act”) for perusal by the customers, and may not proceed with the registration and identity verification until the customer has indicated that he/she has read the disclosure and consented to online insurance purchase or online insurance services.(2)When a customer undergoes registration and identity verification, the customer should be required to fill out basic information that is sufficient to verify his/her identity and given an account number through the identity verification process. However, with customer consent, an agent/broker company may carry out customer registration and identity verification through the customer’s online banking account (only if the account is opened by customer at the bank counter in person) or digital deposit account (only if the account is a type 1 account that applies to high-risk electronic transfer of funds and transaction instruction).(3)After a customer has completed the registration and identity verification process, the insurance agent/broker company should verify the customer’s identity by means of one-time password (OTP), biometrics, mobile ID, Financial Fast Identity Online (Fast-ID) or digital certificate and guide the customer to complete identity confirmation.2.In person:(1)A customer may visit the business place of an insurance agent/broker company or its branches in person to apply for online insurance or service.(2)The insurance agent/broker company should provide the customer with legally required information in writing or in another verifiable manner, including but not limited to declaration of consent to online insurance purchase or online insurance services and disclosure obligation pursuant to the Personal Information Act for perusal and signing by the customers to complete the registration and identity verification process.(3)The customer should provide basic personal data that is sufficient to verify his/her identity.For a customer who has completed the identity verification process under the preceding paragraph and obtained the account password but has not negotiated any insurance contract with or requested insurance service from an insurance company through the insurance agent/broker company in five (5) years after completing the application, the customer may not use the account password to purchase insurance online or request online insurance service until he/she completes the identity verification process under the preceding paragraph again.An insurance agent/broker company that conducts online insurance business and carries out registration and identity verification using methods described in Subparagraph 1 of Paragraph 1 hereof may, with customer consent, also use the member account of the cross-industry partner.
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8條
保經代公司辦理網路投保業務或網路保險服務，應提供具行為能力之保險客戶依下列方式擇一辦理註冊及身分驗證作業，並於完成註冊及身分驗證作業後，始得辦理網路投保或網路保險服務：
一、以網路方式：
（一）於保經代公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台載明法定相關告知事項，包括但不限於同意網路投保或網路保險服務聲明事項、履行個人資料保護法（以下簡稱個資法）告知義務內容等，提供保險客戶閱覽、點選告知事項已讀及網路投保或網路保險服務同意後，始得進行註冊及身分驗證作業。
（二）保險客戶進行註冊及身分驗證作業時，須填寫足資驗證其身分之個人基本資料，經由身分驗證程序取得帳號。
但經消費者同意，得以下列方式之一辦理：1.以同一金融控股公司所屬銀行子公司之網路銀行帳戶（以銀行臨櫃辦理者為限）或數位存款帳戶（適用電子轉帳交易指示類高風險交易之第一類帳戶）進行註冊及身分驗證作業。
2.以該異業之會員帳戶進行註冊及身分驗證作業。
（三）保險客戶進行註冊及身分驗證作業後，保經代公司應發送一次性密碼（以下簡稱OTP）至保險客戶手機或電子郵件信箱，以確認身分。
保經代公司發送OTP後，應引導保險客戶輸入該OTP以完成身分確認。
二、以親臨方式：
（一）保險客戶得以親臨保經代公司或其分支機構營業處所方式申請辦理。
（二）保經代公司應以書面或其他日後可資證明之方式提供法定相關告知事項，包括但不限於同意網路投保或網路保險服務聲明事項、履行個資法告知義務內容等，提供保險客戶閱覽並簽名同意，以完成註冊及身分驗證作業。
（三）保險客戶應提供足資驗證其身分之個人基本資料。
保險客戶完成前項身分驗證作業而取得帳號密碼後，如於申請完成後五年內未再經由該保經代公司與保險公司洽訂保險契約或辦理保險服務，非經重新完成前項身分驗證，不得再利用該帳號密碼進行網路投保作業或網路保險服務。
一、以網路方式：
（一）於保經代公司或異業建置網站專區、網頁或行動應用程式（APP）投保平台載明法定相關告知事項，包括但不限於同意網路投保或網路保險服務聲明事項、履行個人資料保護法（以下簡稱個資法）告知義務內容等，提供保險客戶閱覽、點選告知事項已讀及網路投保或網路保險服務同意後，始得進行註冊及身分驗證作業。
（二）保險客戶進行註冊及身分驗證作業時，須填寫足資驗證其身分之個人基本資料，經由身分驗證程序取得帳號。
但經消費者同意，得以下列方式之一辦理：1.以同一金融控股公司所屬銀行子公司之網路銀行帳戶（以銀行臨櫃辦理者為限）或數位存款帳戶（適用電子轉帳交易指示類高風險交易之第一類帳戶）進行註冊及身分驗證作業。
2.以該異業之會員帳戶進行註冊及身分驗證作業。
（三）保險客戶進行註冊及身分驗證作業後，保經代公司應發送一次性密碼（以下簡稱OTP）至保險客戶手機或電子郵件信箱，以確認身分。
保經代公司發送OTP後，應引導保險客戶輸入該OTP以完成身分確認。
二、以親臨方式：
（一）保險客戶得以親臨保經代公司或其分支機構營業處所方式申請辦理。
（二）保經代公司應以書面或其他日後可資證明之方式提供法定相關告知事項，包括但不限於同意網路投保或網路保險服務聲明事項、履行個資法告知義務內容等，提供保險客戶閱覽並簽名同意，以完成註冊及身分驗證作業。
（三）保險客戶應提供足資驗證其身分之個人基本資料。
保險客戶完成前項身分驗證作業而取得帳號密碼後，如於申請完成後五年內未再經由該保經代公司與保險公司洽訂保險契約或辦理保險服務，非經重新完成前項身分驗證，不得再利用該帳號密碼進行網路投保作業或網路保險服務。