Regulations Governing Non-Life Insurance Enterprises Engaging in Injury Insurance and Health Insurance Article 3
A non-life insurance enterprise applying for engaging in injury insurance and health insurance shall meet the following qualification requirements. Notwithstanding the foregoing, an insurance enterprise that is already engaging in injury insurance pursuant to paragraph 1, Article 138 of the Act before its amendment are exempted from the provisions in this Article for its injury insurance business.1. Having sound business operation and financial capacity, having the operational capability to engage in injury insurance and health insurance, and the ratio of total adjusted net capital to risk-based capital in the past year complying with the adequacy ratio set forth in paragraph 1, Article 143-4 of the Act;2. Not having been subject to major sanction and disciplinary action by the competent authority in the past year, or if it has, concrete improvement actions have been taken to remedy the violation and recognized by the competent authority;3. Staffed with professional personnel to engage in injury insurance and health insurance, including qualified signatories for legal, conservation, investment, underwriting, claim adjusting and actuarial activities specified in subparagraphs 1-6, paragraph 1, Article 12 of Regulations Governing Pre-sale Procedures for Insurance Products as well as underwriters and adjusters meeting the criteria set forth in Article 12 and Article 13 of the Regulations Governing Business Solicitation, Policy Underwriting and Claim Adjusting of Insurance Enterprises;4. Ranking in the top eighty percent in the past year in terms of the results of the Treating Customer Fairly Principle evaluation of non-life insurance companies. The preceding provision does not apply to a non-life insurance enterprise that could provide reasonable explanation and such explanation is accepted by the competent authority.The major sanction and disciplinary action as prescribed in Subparagraph 2 of the preceding Paragraph refer to Article 2 of the Regulations Governing Public Disclosure by the Financial Supervisory Commission of Material Enforcement Actions for Violations of Financial Legislation.A digital non-life insurance company that has been in business for less than one year and applies for engaging in injury insurance and health insurance may be exempt from the qualification requirements for the actual performance in the most recent year listed in any subparagraph of paragraph 1.The competent authority may revoke the permit of a non-life insurance enterprise to engage in injury insurance and health insurance provided its application documents are found to violate the laws and regulations or contain false information.
中文原文 財產保險業經營傷害保險及健康保險業務管理辦法第3條
財產保險業申請經營傷害保險及健康保險，應具備下列資格條件。
但本辦法施行前已依本法修正前第一百三十八條第一項規定經營傷害保險業務者，免依本條規定申請經營傷害保險。
一、財務、業務健全及有經營傷害保險及健康保險業務能力者，且最近一年之自有資本與風險資本之比率應符合本法第一百四十三條之四第一項之適足比率。
二、最近一年內未有遭主管機關重大裁罰及處分，或受前開處分而其違法情事已獲具體改善經主管機關認定者。
三、具備符合保險商品銷售前程序作業準則第十二條第一項第一款至第六款之法務、保全、投資、核保、理賠及精算之合格簽署人員及保險業招攬及核保理賠辦法第十二條及第十三條所定之核保及理賠等經營傷害保險及健康保險之專業人員。
四、最近一年公平待客原則評核結果為財產保險業前百分之八十。
但經財產保險業提出合理說明並經主管機關核准者，不在此限。
前項第二款所稱重大裁罰及處分，指金融監督管理委員會處理違反金融法令重大裁罰措施之對外公布說明辦法第二條所定各款之情事。
營業未滿一年之數位財產保險公司申請經營傷害保險及健康保險，得不受第一項各款應具備最近一年實績之資格條件限制。
財產保險業經營傷害保險及健康保險，其申請文件有違反法令或虛偽之情事者，主管機關得撤銷其辦理傷害保險及健康保險之許可。
但本辦法施行前已依本法修正前第一百三十八條第一項規定經營傷害保險業務者，免依本條規定申請經營傷害保險。
一、財務、業務健全及有經營傷害保險及健康保險業務能力者，且最近一年之自有資本與風險資本之比率應符合本法第一百四十三條之四第一項之適足比率。
二、最近一年內未有遭主管機關重大裁罰及處分，或受前開處分而其違法情事已獲具體改善經主管機關認定者。
三、具備符合保險商品銷售前程序作業準則第十二條第一項第一款至第六款之法務、保全、投資、核保、理賠及精算之合格簽署人員及保險業招攬及核保理賠辦法第十二條及第十三條所定之核保及理賠等經營傷害保險及健康保險之專業人員。
四、最近一年公平待客原則評核結果為財產保險業前百分之八十。
但經財產保險業提出合理說明並經主管機關核准者，不在此限。
前項第二款所稱重大裁罰及處分，指金融監督管理委員會處理違反金融法令重大裁罰措施之對外公布說明辦法第二條所定各款之情事。
營業未滿一年之數位財產保險公司申請經營傷害保險及健康保險，得不受第一項各款應具備最近一年實績之資格條件限制。
財產保險業經營傷害保險及健康保險，其申請文件有違反法令或虛偽之情事者，主管機關得撤銷其辦理傷害保險及健康保險之許可。