Regulations Governing Pre-sale Procedures for Insurance Products Article 15
Any given insurance product shall complete its review procedure in one of the following manners, unless it is otherwise provided by the competent authority:1. Prior-approval procedure: The insurance enterprise shall apply for approval of the insurance product from the competent authority prior to its sale.2. Use-and-file procedure: The insurance enterprise may sell the insurance product without prior approval by the competent authority, provided that within 15 working days after product sales begin, the enterprise shall submit materials to the competent authority, or to any institution designated thereby, for recordation.For the insurance products referred to in subparagraph 1 of the preceding paragraph, the competent authority shall review and respond to the applicant within 40 working days from the day on which it receives in full all application documents, and 75 working days shall decide upon approval or rejection.Where an insurance product under subparagraph 1 of paragraph 1 hereof is resubmitted for approval within 30 working days after being rejected by the competent authority, the competent authority shall review and respond to the applicant within 25 working days from the day on which it receives in full all application documents, and shall decide upon approval or rejection within 45 working days, to which provisions of paragraph 2 hereof do not apply.
中文原文 保險商品銷售前程序作業準則第15條
保險商品應依下列方式之一完成審查程序。
但主管機關另有規定者，不在此限：
一、核准：指保險業應將保險商品申請主管機關核准，始得銷售。
二、備查：指保險商品無須經過主管機關核准，保險業得逕行銷售。
但保險業應於開始銷售後十五個工作日內檢附資料，送交主管機關或其指定機構備查。
前項第一款之保險商品，主管機關應自收齊申請文件之日起四十個工作日內核復，並應於七十五個工作日內為准駁之決定。
第一項第一款之保險商品，屬保險業經主管機關駁回之日起三十個工作日內再次送審者，主管機關應自收齊申請文件之日起二十五個工作日內核復，並應於四十五個工作日內為准駁之決定，不適用前項規定。
但主管機關另有規定者，不在此限：
一、核准：指保險業應將保險商品申請主管機關核准，始得銷售。
二、備查：指保險商品無須經過主管機關核准，保險業得逕行銷售。
但保險業應於開始銷售後十五個工作日內檢附資料，送交主管機關或其指定機構備查。
前項第一款之保險商品，主管機關應自收齊申請文件之日起四十個工作日內核復，並應於七十五個工作日內為准駁之決定。
第一項第一款之保險商品，屬保險業經主管機關駁回之日起三十個工作日內再次送審者，主管機關應自收齊申請文件之日起二十五個工作日內核復，並應於四十五個工作日內為准駁之決定，不適用前項規定。