Regulations Governing Non-Life Insurance Enterprises Engaging in Injury Insurance and Health Insurance Article 6
A non-life insurance enterprise that engages in injury insurance and health insurance can only offer policies with a term of less than one year and no guaranteed renewal. Notwithstanding the foregoing, non-life insurance enterprises that meet the following qualification requirements may apply to the competent authority to offer injury insurance and health insurance policies with a term of less than three years and no guaranteed renewal:1. Having been approved by the competent authority to engage in injury insurance and health insurance and having conducted the businesses for at least three years;2. The ratio of total adjusted net capital to risk-based capital in the past year exceeds 1.25 times the statutory standard of the adequate capital set forth in paragraph 1, Article 143-4 of the Act ;3. Not having been subject to any 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;4. Ranking in the top fifty 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;5. Having assisted in the development of and launched an insurance product or promoted a new business designed specifically to dovetail with government policy needs in the past three years, or having taken part in public service work in the past three years, and in either case having performed with distinction.The major sanction and disciplinary action as prescribed in Subparagraph 3 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.When a non-life insurance enterprise engages in health insurance mentioned in the preceding paragraph, the policy shall be a primary coverage, or a rider or a clause attached to an injury insurance policy or health insurance policy.Health insurance business conducted by a non-life insurance enterprise shall not include benefits for death except as provided for in a product that covers a critical illness or cancer; provided, however, that for insurance products that include benefits for death by non-critical illness or non-cancer and are deemed sold by a non-life insurance enterprise due to its assumption—before the current amendment entered into force on 17 April 2014—of the business, assets, and liabilities of a life insurance enterprise, this restriction shall not apply to policies assumed from the life insurance enterprise inasmuch as the policyholders and the insurance conditions remain the same as in the originally underwritten policies.
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6條
財產保險業經營傷害保險及健康保險，以保險期間在一年以下且不保證續保者為限。
但符合下列資格條件者，得向主管機關申請經營保險期間在三年以下且不保證續保之傷害保險及健康保險：
一、經主管機關許可經營傷害保險及健康保險且實際經營三年以上。
二、最近一年之自有資本與風險資本之比率超過本法第一百四十三條之四第二項第一款所定資本適足之法定標準一點二五倍。
三、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。
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五十。
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。
五、最近三年內配合政府政策需要，協助研議並開辦新保險商品、推動新業務，或推動社會公益工作，績效卓越。
前項第三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。
財產保險業經營健康保險，其保險契約應以主保險契約或附加於傷害保險或健康保險之附加契約或附加條款為限。
財產保險業經營健康保險，除重大疾病或癌症保險商品外，不得包含死亡給付項目。
但於本辦法中華民國一百零三年四月十七日修正施行前，財產保險業因承受人身保險業之全部營業、資產及負債，而銷售含有非重大疾病或癌症死亡給付項目之保險商品者，於所承受人身保險業之原保戶及原承保條件下，不在此限。
但符合下列資格條件者，得向主管機關申請經營保險期間在三年以下且不保證續保之傷害保險及健康保險：
一、經主管機關許可經營傷害保險及健康保險且實際經營三年以上。
二、最近一年之自有資本與風險資本之比率超過本法第一百四十三條之四第二項第一款所定資本適足之法定標準一點二五倍。
三、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。
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五十。
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。
五、最近三年內配合政府政策需要，協助研議並開辦新保險商品、推動新業務，或推動社會公益工作，績效卓越。
前項第三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。
財產保險業經營健康保險，其保險契約應以主保險契約或附加於傷害保險或健康保險之附加契約或附加條款為限。
財產保險業經營健康保險，除重大疾病或癌症保險商品外，不得包含死亡給付項目。
但於本辦法中華民國一百零三年四月十七日修正施行前，財產保險業因承受人身保險業之全部營業、資產及負債，而銷售含有非重大疾病或癌症死亡給付項目之保險商品者，於所承受人身保險業之原保戶及原承保條件下，不在此限。