簡易人壽保險法

This law is enacted to provide basic economic security, improve the simple life insurance system, make it easier for everyone to buy insurance, and promote social welfare.

Insurers must issue the insurance policy after they agree to underwrite it.

An insurance contract takes effect when the policy is issued.

簡易人壽保險的保險人，不得就保險費提起訴訟請求交付。

Renewal premium that remains unpaid for one month triggers a notice duty for the insurer, a three-month grace period, and suspension of policy effect if payment is still not made.

保險契約停止效力後，要保人可以在二年內申請恢復契約效力。

投保或申請恢復保險契約效力時，要保人和被保險人必須對保險人的書面詢問如實說明。

The insurer loses the right to rescind after one month from learning the rescission cause, and cannot rescind once two years have passed in the stated circumstances. If the contract is rescinded under the preceding paragraph, the policyholder may only apply for the policy value reserve and may not make other claims.

The policyholder may name or change the beneficiary before the policy matures or before the insured event, unless the contract says otherwise.

保戶可以隨時向保險人聲明終止保險契約；終止效力不會回溯到過去。

舊法修正施行前訂立的保險契約，若被保險人於修正施行後死亡，受益人依死亡時點領受不同比例的保險給付。

這條規定簡易人壽保險的主管機關：中華郵政公司經營的，由交通部主管並受金管會監督；其他保險業者經營的，則由金管會主管。

在特定情況下，保險人不負給付保險金額的責任，但仍要依第二十一條辦理的情形除外。

符合特定保險事故且保費已繳滿一年以上時，要保人可以申請返還保單價值準備金；在另一種事故情形下，保險人應將保單價值準備金給付給應得之人。

If a beneficiary intentionally kills or injures the insured, that beneficiary has no right to claim the relevant insurance amount. If there are other beneficiaries, they share the full amount equally; if not, the amount becomes part of the insured’s estate.

If a simple life insurance policy has had premiums paid for at least one year, the policyholder may borrow against the policy up to the policy reserve value.

簡易人壽保險的保險人不得代位行使要保人或受益人因保險事故所生、對第三人的請求權。

保險契約所生的權利，從可以請求之日起，超過5年不行使就會消滅。

A third-party insurance contract’s rights transfer or pledge has no effect unless the insured person acknowledges it in writing.

郵政簡易人壽保險資金的運用，除存款外，依指定保險法條文辦理；中華郵政公司經交通部核可後，可提供重大公共建設計畫融資所需款項，但總額不得超過資金總額的30%。

The accounting records for postal simplified life insurance must be handled separately.

郵政簡易人壽保險的資本由交通部會商金管會後核定，並須按實收資本總額的15%向國庫繳存保證金。

中華郵政公司經營的簡易人壽保險，由中華郵政公司擔任保險人，並依法負保險給付責任。

This provision is deleted.

The Ministry of Transportation and Communications, together with the Financial Supervisory Commission, is empowered to set rules on postal simple life insurance matters.

Several Insurance Act provisions do not apply to postal simplified life insurance, except as otherwise provided by law; one set of provisions applies after Chunghwa Post has been established for five years.

中華郵政公司違反指定保險法條文時，會被罰鍰；在另一組違規情形下，其行為人還可能面臨刑責與罰金。

If the Financial Supervisory Commission inspects Chunghwa Post or orders it to report, the company’s responsible persons or employees must not obstruct the inspection, hide or destroy records, answer questions falsely without reason, or miss/submit false or incomplete reports; related enterprises or other financial institutions must provide requested materials during inspections.

中華郵政公司負責人、職員，或以他人名義投資並實際控制公司的人，若為自己或第三人不法利益、或為損害公司利益而違背公司經營簡易人壽保險業務，且造成公司財產或利益損害，會受刑責；二人以上共同實施的，刑可加重，未遂也處罰。

中華郵政公司應提撥安定基金；如未依限或拒絕繳付，金融監督管理委員會得視情節輕重處罰鍰。

If Chunghwa Post has any of the listed violations, it faces an administrative fine of NT$300,000 to NT$1,500,000 and may replace its underwriting or actuarial staff.

中華郵政公司如果未提供、未依規定記載，或記載不實說明文件，或未依限向金管會報告、主動公開說明，或內容不實，會被處罰鍰。

If Chunghwa Post Co. is punished and ordered to correct but still fails to correct by the deadline, it may be punished again each time.

簡易人壽保險包含生存保險、死亡保險及生死合險，並可用附約方式經營健康保險及傷害保險。

本條規定，這部法律下的行政處罰由金融監督管理委員會處理，並且應通知交通部。

This provision is deleted.

交通部會同金融監督管理委員會，得訂定郵政簡易人壽保險契約相關規則。

本法的施行日期由行政院以命令决定；修正条文自公布日施行。

交通部會同金融監督管理委員會，訂定郵政簡易人壽保險的最高、最低保險金額及同一被保險人的總保額；超過限額的部分契約無效，超過部分已繳保險費應無息退還。

簡易人壽保險對被保險人不必施以健康檢查。

非中華民國國民不得作為被保險人；未滿十五歲未成年人的簡易人壽保險，部分死亡給付要等到滿十五歲才生效，喪葬費用保險金也有上限。

When an insurance contract is made for a person under an unrevoked guardianship declaration, death benefits other than health insurance and funeral expense benefits are invalid. Funeral expense insurance amounts are capped at half of the funeral expense deduction under the Inheritance and Gift Tax Act, and other laws can override these rules.

保險契約可以由本人或第三人訂立；若由第三人訂立且未經被保險人書面同意並約定保險金額，契約無效。

When someone else is the insured, the policyholder and the insured must have an insurable interest.