Regulations Governing Pre-sale Procedures for Insurance Products Article 30
When any one of the following circumstances applies with respect to an insurance product of an insurance enterprise, the competent authority may reject the product outright without proceeding to a review, or may order the insurance enterprise to suspend sales and make public announcement of the same except for circumstances specified in subparagraphs 10 to 12 hereof:1. The product is not compliant with applicable legal requirements in a material manner.2. The product has not been signed by the general manager, a department head authorized thereby, or a qualified signatory.3. The product contains a material error, or is missing an important provision.4. Materials submitted for review purposes contain false representations.5. The general manager, a department head authorized thereby, or a qualified signatory makes a false or materially erroneous statement.6. The enterprise commences product sales without observing the provisions of Article 15, paragraph 1 or Article 20, paragraph 1.7. The product was not submitted under the required review process.8. The enterprise has failed to submit a document as required under Article 18, paragraph 2, or a submitted document is incomplete and the enterprise is ordered to make correction within a prescribed time period but fails to do so.9. The enterprise fails in a material manner to observe the provisions of Article 5, Article 8, paragraph 1, subparagraph 1 or paragraph 2, Article 9, paragraph 1, subparagraph 1, Article 21, paragraph 6, Article 22, Article 23, Article 25, or Article 28.10. An enterprise applies in accordance with Article 15, paragraph 2 with the competent authority for prior approval of an insurance product and the competent authority issues a letter requiring supplementation of the filing documents, but supplementation is not made within 65 working days from the day on which the competent authority received in full all application documents.11. An enterprise applies in accordance with Article 15, paragraph 3 with the competent authority for prior approval of an insurance product and the competent authority issues a letter requiring supplementation of the filing documents, but supplementation is not made within 35 working days from the day on which the competent authority received in full all application documents.12. An enterprise who has received more than three rejections from the competent authority for the same product filed for prior-approval in accordance with Article 15, paragraph 2 or paragraph 3.13. The product is prohibited from application or offering by the enterprise pursuant to Paragraph 4, Article 29-1 of the Regulations for Establishment and Administration of Insurance Enterprises.Where the situation set out in subparagraph 6 of the preceding paragraph applies with respect to an insurance product, the competent authority may impose sanction in accordance with Article 171 of the Insurance Act.Where the situation set out in paragraph 1, subparagraph 7 applies with respect to an insurance product and the competent authority has determined that the violation is minor, the competent authority may order the insurance enterprise to submit the product under a different review procedure, and may also order it to suspend sales of the insurance product in question until it has completed procedures for resubmission of the product for review.
中文原文 保險商品銷售前程序作業準則第30條
保險業之保險商品有下列情形之一者，主管機關得逕行退回不予審查或命保險業停止銷售，除第八款、第十款至第十二款情形外，並公告之：
一、內容不符相關法令規定情節重大。
二、未經總經理或經其授權之部門主管或合格簽署人員簽署。
三、內容有重大錯誤或重要事項有缺漏。
四、所檢附之送審資料為不實之記載。
五、總經理或經其授權之部門主管或簽署人員為不實或重大錯誤之聲明。
六、未依第十五條第一項或第二十條第一項規定辦理而逕行銷售。
七、送審方式與規定不符。
八、未依第十八條第二項規定檢附文件或檢附之文件有缺漏，經限期補正逾期未完成補正。
九、未依第五條、第八條第一項第一款及第二項、第九條第一項第一款、第二十一條第六項、第二十二條、第二十三條、第二十五條或第二十八條規定辦理情節重大。
十、依第十五條第二項申請主管機關核准之保險商品，其內容經主管機關函請補正，而未於主管機關收齊申請文件之日起六十五個工作日內完成補正。
十一、依第十五條第三項申請主管機關核准之保險商品，其內容經主管機關函請補正，而未於主管機關收齊申請文件之日起三十五個工作日內完成補正。
十二、依第十五條第二項或第三項申請主管機關核准之保險商品，同一商品累計駁回次數達三次者。
十三、依保險業設立許可及管理辦法第二十九條之一第四項規定不得申請或辦理者。
保險商品有前項第六款規定情事者，主管機關得依本法第一百七十一條規定辦理。
保險商品有第一項第七款情事，經主管機關認定情節輕微者，主管機關得命保險業改變保險商品送審方式，並得命其於重新送審程序完成前，暫停銷售該保險商品。
一、內容不符相關法令規定情節重大。
二、未經總經理或經其授權之部門主管或合格簽署人員簽署。
三、內容有重大錯誤或重要事項有缺漏。
四、所檢附之送審資料為不實之記載。
五、總經理或經其授權之部門主管或簽署人員為不實或重大錯誤之聲明。
六、未依第十五條第一項或第二十條第一項規定辦理而逕行銷售。
七、送審方式與規定不符。
八、未依第十八條第二項規定檢附文件或檢附之文件有缺漏，經限期補正逾期未完成補正。
九、未依第五條、第八條第一項第一款及第二項、第九條第一項第一款、第二十一條第六項、第二十二條、第二十三條、第二十五條或第二十八條規定辦理情節重大。
十、依第十五條第二項申請主管機關核准之保險商品，其內容經主管機關函請補正，而未於主管機關收齊申請文件之日起六十五個工作日內完成補正。
十一、依第十五條第三項申請主管機關核准之保險商品，其內容經主管機關函請補正，而未於主管機關收齊申請文件之日起三十五個工作日內完成補正。
十二、依第十五條第二項或第三項申請主管機關核准之保險商品，同一商品累計駁回次數達三次者。
十三、依保險業設立許可及管理辦法第二十九條之一第四項規定不得申請或辦理者。
保險商品有前項第六款規定情事者，主管機關得依本法第一百七十一條規定辦理。
保險商品有第一項第七款情事，經主管機關認定情節輕微者，主管機關得命保險業改變保險商品送審方式，並得命其於重新送審程序完成前，暫停銷售該保險商品。