Regulations Governing Offshore Insurance Branches Article 13
An offshore insurance branch that engages in offshore insurance business shall establish internal business solicitation, policy underwriting and claim adjustment systems and procedures.The internal systems and procedures in the preceding paragraph shall include the following items:1. Procedure for insurance solicitors to understand fully the insurance applicant and the insured.2. Procedure and flow chart covering the process from acceptance of application to agreeing to underwrite a policy, including at least underwriting guidelines, financial underwriting mechanism, survival analysis and physical examination standards, hierarchy of authority, and arrangement of reinsurance.3. Operating procedure and flow chart for accepting claims and benefit approval, including at least the expensing and accounting treatment of claim settlement expenses, claim investigation, evaluation and adjustment, hierarchy of authority, and claims recovered from reinsurers.The provisions on financial underwriting mechanism and survival analysis and physical examination standards mentioned in Subparagraph 2 of the preceding paragraph do not apply to non-life insurance products.
中文原文 國際保險業務分公司管理辦法第13條
國際保險業務分公司經營國際保險業務，應建立內部之招攬、核保及理賠處理制度及程序。
前項內部處理制度及程序至少應包含下列事項：
一、從事保險招攬之業務員應充分瞭解要保人及被保險人之程序。
二、受理要保書至同意承保出單之程序及流程圖，其中至少應包含核保準則、財務核保機制、生調體檢標準、分層負責授權權限、再保險安排等。
三、受理申請理賠至簽署理賠同意之作業程序及流程圖，其中至少應包含理賠處理費用之報支及帳務處理、理賠之調查、評估及理算、分層負責授權權限、再保險攤回等。
財產保險商品不適用前項第二款財務核保機制及生調體檢標準。
前項內部處理制度及程序至少應包含下列事項：
一、從事保險招攬之業務員應充分瞭解要保人及被保險人之程序。
二、受理要保書至同意承保出單之程序及流程圖，其中至少應包含核保準則、財務核保機制、生調體檢標準、分層負責授權權限、再保險安排等。
三、受理申請理賠至簽署理賠同意之作業程序及流程圖，其中至少應包含理賠處理費用之報支及帳務處理、理賠之調查、評估及理算、分層負責授權權限、再保險攤回等。
財產保險商品不適用前項第二款財務核保機制及生調體檢標準。