Regulations Governing Pre-sale Procedures for Insurance Products Article 16
For the following non-life insurance products, an insurance enterprise may commence sale only after applying for and receiving prior approval from the competent authority, unless otherwise provided by the competent authority.1. An insurance product with a period of insurance or period of insurer liability in excess of three years.2. A new type of individual insurance product.Standards for determining what qualifies as a "new type of insurance product" as referred to in subparagraph 2 of the preceding paragraph shall be drafted by the Non-life Insurance Association of the Republic of China and reported to the competent authority for review.The term "individual insurance" in paragraph 1, subparagraph 2 means insurance in which the proposer is a natural person.
中文原文 保險商品銷售前程序作業準則第16條
保險業應將下列財產保險商品申請主管機關核准，始得銷售。
但主管機關另有規定者，不在此限：
一、保險期間或承保責任期間超過三年之保險商品。
二、新型態之個人保險商品。
前項第二款所稱新型態保險商品之認定標準，由中華民國產物保險商業同業公會擬訂，報主管機關核定。
第一項第二款所稱個人保險，係指以自然人為要保人之保險。
但主管機關另有規定者，不在此限：
一、保險期間或承保責任期間超過三年之保險商品。
二、新型態之個人保險商品。
前項第二款所稱新型態保險商品之認定標準，由中華民國產物保險商業同業公會擬訂，報主管機關核定。
第一項第二款所稱個人保險，係指以自然人為要保人之保險。