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保險法中英文對照
民國 99 年 02 月 01 日修正

Insurance Act
( 2010.02.01 Amended )

本表中英條文資料來源：法務部全國法規資料庫 http://mojlaw.moj.gov.tw/
聲明：本中英對照表係黃裕凱老師編輯，供輔大法律學生法學英文初階學習參考之用，不得作為其他用途
注意一：本表內容如與各法規主管機關之公布文字有所不同，以各主管機關公布為準
注意二：英譯文部分，全國法規資料庫有若干缺漏或錯誤之處，本表不擔保其正確性
本表編輯基準日：2010.11.15

目 次
第一章 總則 Chapter I. General Principles
第一節 定義及分類 Section 1. Definitions and Categories
第二節 保險利益 Section 2. Insurable Interest
第三節 保險費 Section 3. Premiums
第四節 保險人之責任 Section 4. Obligations of the Insurer
第五節 複保險 Section 5. Double Insurance
第六節 再保險 Section 6. Reinsurance
第二章 保險契約 Chapter II. Insurance Contracts
第一節 通則 Section 1. General Provisions
第二節 基本條款 Section 2. Basic Provisions
第三節 特約條款 Section 3. Special Provisions
第三章 財產保險 Chapter III. Non-life Insurance
第一節 火災保險 Section 1. Fire Insurance
第二節 海上保險 Section 2. Marine Insurance
第三節 陸空保險 Section 3. Land and Air Insurance
第四節 責任保險 Section 4. Liability Insurance
第四節之一 保證保險 Section 4-1. Bonding Insurance
第五節 其他財產保險 Section 5. Other Non-life Insurance
第四章 人身保險 Chapter IV. Insurance of the Person
第一節 人壽保險 Section 1. Life Insurance
第二節 健康保險 Section 2. Health Insurance
第三節 傷害保險 Section 3. Personal Injury Insurance
第四節 年金保險 Section 4. Annuity Insurance
第五章 保險業 Chapter V. Insurance Enterprises
第一節 通則 Section 1. General Provisions
第二節 保險公司 Section 2. Insurance Companies
第三節 保險合作社 Section 3. Insurance Cooperatives
第四節 保險業代理人、經紀 Section 4. Insurance Agents, Brokers, and Surveyors
人、公證人
第四節之一 同業公會 Section 4-1. Trade associations
第五節 罰則 Section 5. Penal Provisions
第六章 附則 Chapter VI. Supplementary Provisions

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第一章 總則 Chapter I. General Principles

第一節 定義及分類 Section 1. Definitions and Categories

第1條 Article 1
本法 所稱保險 ，謂當事人 約 The term "insurance" as used in this Act means an act whereby the
定，一方交付保險費於他方， parties concerned agree that one party pays a premium to the other
他方對於因不可預料，或不可 party, and the other party is liable for pecuniary indemnification for
抗力之事故所致之損害，負擔 damage caused by unforeseeable events or force majeure.
賠償財物之行為。
根據前項所訂之契約，稱為保 A contract entered into on the basis of the preceding paragraph is
險契約。 called an "insurance contract."

第2條 Article 2
本法所稱保險人，指經營保險 The term "insurer" as used in this Act means any of various
事業之各種組織，在保險契約 organizations engaged in the business of insurance that has the right
成立時，有保險費之請求權； to claim a premium upon entering into an insurance contract and is
在承保危險事故發生時，依其 liable for indemnification, in accordance with the contracted
承保之責任，負擔賠償之義務。 insurance obligations, when an insured peril occurs.

第3條 Article 3
本法所稱要保人，指對保險標 The term "proposer" as used in this Act means a person having an
的具有保險利益，向保險人申 insurable interest in the subject matter insured who applies to an
請訂立保險契約，並負有交付 insurer to enter into an insurance contract and is obligated to pay a
保險費義務之人。 premium.

第4條 Article 4
本法所稱被保險人，指於保險 The term "insured" as used in this Act means a person who, upon
事故發生時，遭受損害，享有 incurring damage as the result of an insured peril, enjoys the right to
賠償請求權之人；要保人亦得 claim indemnification. A proposer may also be the insured.
為被保險人。

第5條 Article 5
本法所稱受益人，指被保險人 The term "beneficiary" as used in this Act means a person stipulated
或要保人約定享有賠償請求權 by the insured or the proposer as the person who enjoys the right to
之人，要保人或被保險人均得 claim indemnification. A proposer or insured may also be a
為受益人。 beneficiary.

第6條 Article 6
本法所稱保險業，指依本法組 The term "insurance enterprise" as used in this Act means an entity
織登記，以經營保險為業之機 organized and registered pursuant to this Act and engaged in
構。 insurance business.
本法所稱外國保險業，指依外 The term "foreign insurance enterprise" as used in this Act means an
國法律組織登記，並經主管機 entity organized and registered pursuant to foreign law and engaged
關許可，在中華民國境內經營 in insurance business in the Republic of China with permission from
保險為業之機構。 the competent authority.

第7條 Article 7

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本法所稱保險業負責人，指依 The term "responsible person of an insurance enterprise" as used in

公司 法或合作 社法應負責 之 this Act means a person who shall be held responsible in accordance
人。 with the Company Act or the Cooperative Act.

第8條 Article 8
本法所稱保險代理人，指根據 The term "insurance agent" as used in this Act means a person who,
代理契約或授權書，向保險人 on the basis of a contract of agency or a letter of authorization,
收取費用，並代理經營業務之 collects remuneration from an insurer and acts as a business agent
人。 on the insurer's behalf.

第 8-1 條 Article 8-1

本法所稱保險業務員，指為保 The term "insurance solicitor" as used in this Act means a person
險業、保險經紀人公司、保險 who solicits insurance business on behalf of an insurance enterprise,
代理人公司，從事保險招攬之 an insurance broker company, or an insurance agent company.
人。

第9條 Article 9
本法所稱保險經紀人，指基於 The term "insurance broker" as used in this Act means a person
被保險人之利益，洽訂保險契 who, on the basis of the interests of the insured, negotiates an
約或提供相關服務，而收取佣 insurance contract or provides related services and collects a
金或報酬之人。 commission or remuneration.

第 10 條 Article 10
本法所稱公證人，指向保險人 The term "surveyor" as used in this Act means a person who collects
或被保險人收取費用，為其辦 remuneration from the insurer or the insured, and on behalf of the
理保險標的之查勘，鑑定及估 hiring party inspects, assesses, and appraises the subject matter
價與賠款之理算、洽商，而予 insured, adjusts and negotiates indemnification, and gives attestation
證明之人。 thereof.

第 11 條 Article 11
本法所定各種準備金，包括責 The reserve funds set out in this Act include policy reserves,
任準 備金 、未 滿期保費準 備 unearned premium reserves, special reserves, loss reserves, and
金、特別準備金、賠款準備金 other reserve funds as may be specified by the competent authority.
及其他經主管機關規定之準備
金。

第 12 條 Article 12
本法所稱主管機關為行政院金 The term "competent authority" as used in this Act means the
融監督管理委員會。但保險合 Financial Supervisory Commission, Executive Yuan. However, in
作社除其經營之業務，以行政 the case of insurance cooperatives, the Financial Supervisory
院金融監督管理委員會為主管 Commission, Executive Yuan is the competent authority for the
機關外，其社務以合作社之主 business operated by the cooperatives, while the competent
管機關為主管機關。 authority in charge of cooperatives is the competent authority for the
administrative affairs of the cooperatives.

第 13 條 Article 13
保險 分為財產 保險及人身 保 Insurance is categorized into non-life insurance and insurance of the
險。 person.
財產保險，包括火災保險、海 Non-life insurance includes fire insurance, marine insurance, land

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上保險、陸空保險、責任保險、 and air insurance, liability insurance, bonding insurance, and any
保證保險及經主管機關核准之 other type of insurance approved by the competent authority.
其他保險。
人身保險，包括人壽保險、健 Insurance of the person includes life insurance, health insurance,
康保險、傷害保險及年金保險。 personal injury insurance, and annuities.

第二節 保險利益 Section 2. Insurable Interest

第 14 條 Article 14
要保 人對於財 產上之現有 利 A proposer has an insurable interest in current interest in a property,
益，或因財產上之現有利益而 or expected future interest deriving from current interest in a
生之期待利益，有保險利益。 property.

第 15 條 Article 15
運送人或保管人對於所運送或 A transporter or custodian of goods has an insurable interest in
保管之貨物，以其所負之責任 goods that it transports or keeps in custody, within the extent to
為限，有保險利益。 which the transporter or custodian bears liability for the goods.

第 16 條 Article 16
要保人對於左列各人之生命或 A proposer has an insurable interest in the life or body of any of the
身體，有保險利益。 following persons:
一、本人或其家屬。 1. The proposer or the proposer's family members.
二、生活費或教育費所仰給之 2. Persons upon whom the proposer depends for living expenses or
人。 educational expenses.
三、債務人。 3. The proposer's obligors.
四、為本人管理財產或利益之 4. Persons who manage the proposer's assets or interests on the
人。 proposer's behalf.

第 17 條 Article 17
要保人或被保險人，對於保險 If the proposer or insured has no insurable interest in the subject
標的物無保險利益者，保險契 matter insured, the insurance contract shall become void.
約失其效力。

第 18 條 Article 18
被保險人死亡或保險標的物所 If the insured dies or ownership of the subject matter insured is
有權移轉時，保險契約除另有 transferred, the insurance contract remains valid for the benefit of
訂定外，仍為繼承人或受讓人 the heir or the transferee unless otherwise stipulated in the contract.
之利益而存在。

第 19 條 Article 19
合夥人或共有人聯合為被保險 When partners or co-owners are jointly insured, the assignment of
人時，其中一人或數人讓與保 one or more insured persons' insurable interest to another does not
險利益於他人者，保險契約不 void the insurance contract.
因之而失效。

第 20 條 Article 20
凡基於有效契約而生之利益， Any interest deriving from an in-force contract may also be an
亦得為保險利益。 insurable interest.

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第三節 保險費 Section 3. Premiums

第 21 條 Article 21
保險費分一次交付，及分期交 Premiums are categorized into two kinds: those to be paid in a lump
付兩種。保險契約規定一次交 sum, and those to be paid in installments. A lump-sum premium, if
付，或分期交付之第一期保險 such is stipulated in the insurance contract, or the first installment of
費，應於契約生效前交付之； the premium, shall be paid before the contract takes effect.
但保險契約簽訂時，保險費未 However, this requirement does not apply where the premium has
能確定者，不在此限。 not yet been determined at the time the insurance contract is entered
into.

第 22 條 Article 22
保險費應由要保人依契約規定 Premium shall be paid by the proposer in accordance with the
交付。信託業依信託契約有交 provisions of the insurance contract. Where a trust enterprise is
付保險費義務者，保險費應由 obligated under a trust agreement to pay the insurance premiums,
信託業代為交付之。 the trust enterprise shall pay the insurance premiums in the
proposer's stead.
要保人為他人利益訂立之保險 When a proposer enters into an insurance contract for the benefit of
契約，保險人對於要保人所得 another person, the insurer may raise the same defense against the
為之抗辯，亦得以之對抗受益 beneficiary that it may raise against the proposer.
人。

第 23 條 Article 23
以同一保險利益，同一保險事 If multiple insurance contracts entered into in good faith cover the
故，善意訂立數個保險契約， same insurable interest and the same insured event, and the total
其保險金額之總額超過保險標 insured amount exceeds the value of the subject matter insured, the
的之價值者，在危險發生前， proposer may, prior to occurrence of the risk, claim a refund of the
要保人得依超過部份，要求比 premium in proportion to the excess value.
例返還保險費。
保險契約因第三十七條之情事 If an insurance contract becomes void due to the circumstances set
而無效時，保險人於不知情之 forth in Article 37, the insurer may still collect premium during the
時期內，仍取得保險費。 period in which the insurer is unaware that the contract has become
void.

第 24 條 Article 24
保險契約因第五十一條第二項 If an insurer is not bound by an insurance contract because of
之情 事 ，而保 險人不受拘 束 circumstances set forth in Article 51, paragraph 2, the insurer may
時，保險人得請求償還費用。 claim reimbursement of expenses. Premium already collected need
其已收受之保險費，無須返還。 not be refunded.
保險契約因第五十一條第三項 If a proposer is not bound by an insurance contract because of
之情事而要保人不受拘束時， circumstances set forth in Article 51, paragraph 3, the insurer may
保險人不得請求保險費及償還 not claim payment of premium or reimbursement of expenses;
費用。其已收受者，應返還之。 where already collected, they shall be refunded.
保險契約因第六十條或第八十 If an insurance contract is terminated or partially terminated because
一條之情事而終止，或部份終 of circumstances set forth in Article 60 or Article 81, premium paid
止時，除保險費非以時間為計 for the period subsequent to termination shall be refunded, except
算基礎者外，終止後之保險費 where the premium is not calculated on the basis of time.

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已交付者，應返還之。

第 25 條 Article 25
保險契約因第六十四條第二項 If an insurance contract is rescinded because of circumstances set
之情事而解除時，保險人無須 forth in Article 64, paragraph 2, the insurer need not refund
返還其已收受之保險費。 premium already collected.

第 26 條 Article 26
保險費依保險契約所載增加危 Where premium is calculated based on special circumstances
險之特別情形計算者，其情形 pertaining to increased risk as stipulated in the insurance contract,
在契約存續期內消滅時，要保 and such circumstances cease to exist during the term of the
人得按訂約時保險費率，自其 contract, the proposer may demand a pro rata reduction of premium
情形消滅時起算，請求比例減 based on the premium rate at the time the contract was entered into,
少保險費。 to apply from the time the circumstances ceased to exist.
保險人對於前項減少保險費不 If the insurer does not agree to a reduction of premium as set forth
同意時，要保人得終止契約。 in the preceding paragraph, the proposer may terminate the contract,
其終止後之保險費已交付者， and any premium paid for the period subsequent to termination shall
應返還之。 be refunded.

第 27 條 Article 27
保險人破產時，保險契約於破 If an insurer becomes bankrupt, its insurance contracts terminate on
產宣告之日終止，其終止後之 the day that bankruptcy is adjudicated, and any premium paid for
保險費，已交付者，保險人應 the period subsequent to termination shall be refunded by the
返還之。 insurer.

第 28 條 Article 28
要保人破產時，保險契約仍為 If a proposer becomes bankrupt, the insurance contract remains
破產債權人之利益而存在，但 valid for the benefit of the creditors of the bankrupt party. However,
破產管理人或保險人得於破產 the bankruptcy trustee or insurer may terminate the contract within
宣告三個月內終止契約。其終 three months from the day of the bankruptcy adjudication. Any
止後之保險費已交付者，應返 premium paid for the period subsequent to termination shall be
還之。 refunded.

第四節 保險人之責任 Section 4. Obligations of the Insurer

第 29 條 Article 29
保險人對於由不可預料或不可 An insurer is liable to indemnify for damage caused by
抗力之事故所致之損害，負賠 unforeseeable events or force majeure. However, this requirement is
償責任。但保險契約內有明文 not applicable when limitations are expressly stated in the insurance
限制者，不在此限。 contract.
保險人對於由要保人或被保險 An insurer is liable to indemnify for damage caused by the fault of
人之過失所致之損害，負賠償 the proposer or insured. However, this rule is not applicable to loss
責任。但出於要保人或被保險 caused by a willful act of the proposer or insured.
人之故意者，不在此限。

第 30 條 Article 30
保險人對於因履行道德上之義 An insurer shall be liable to indemnify for damage caused by the
務所致之損害，應負賠償責任。 fulfillment of a moral obligation.

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第 31 條 Article 31
保險人對於因要保人，或被保 An insurer shall be liable to indemnify for damage caused by
險人之受僱人，或其所有之物 employees, objects, or animals of the proposer or the insured.
或動物所致之損害，應負賠償
責任。

第 32 條 Article 32
保險 人對於因 戰爭所致之 損 The insurer shall be liable to indemnify for damage caused by war
害，除契約有相反之訂定外， unless the insurance contract stipulates otherwise.
應負賠償責任。

第 33 條 Article 33
保險 人對於要 保人或被保 險 The insurer is liable to reimburse the proposer or insured for
人，為避免或減輕損害之必要 expenses resulting from any necessary action taken to avoid or
行為 所生之費 用 ，負償還 之 mitigate damage. Even if the combined total of reimbursement and
責。其償還數額與賠償金額， indemnification exceeds the total insured amount, the insurer shall
合計雖超過保險金額，仍應償 pay the full combined amount.
還。
保險人對於前項費用之償還， When an insurer makes reimbursement for expenses referred to in
以保險金額對於保險標的之價 the preceding paragraph, such reimbursement is to be determined
值比例定之。 according to the ratio of the insured amount to the value of the
subject matter insured.

第 34 條 Article 34
保險人應於要保人或被保險人 After a proposer or insured has submitted all supporting documents
交齊證明文件後，於約定期限 for a claim, the insurer shall pay indemnification within the
內給付賠償金額。無約定期限 stipulated time period. Where no time period has been stipulated,
者，應於接到通知後十五日內 payment shall be effected within 15 days from receipt of
給付之。 notification.
保險人因可歸責於自己之事由 If, for reasons attributable to itself, the insurer fails to make
致未在前項規定期限內為給付 payment within the time period referred to in the preceding
者，應給付遲延利息年利一分。 paragraph, it shall pay default interest at the rate of 10% per annum.

第五節 複保險 Section 5. Double Insurance

第 35 條 Article 35
複保險，謂要保人對於同一保 The term "double insurance" means an act of contracting whereby a
險利益，同一保險事故，與數 proposer separately enters into multiple insurance contracts with
保險人分別訂立數個保險之契 multiple insurers covering the same insurable interest and the same
約行為。 insured event.

第 36 條 Article 36
複保險，除另有約定外，要保 In double insurance, a proposer shall, unless otherwise stipulated,
人應將他保險人之名稱及保險 notify each insurer of the names of the other insurers and the
金額通知各保險人。 amounts insured thereby.

第 37 條 Article 37
要保人故意不為前條之通知， If a proposer willfully fails to make the notification referred to in the

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或意 圖不當得 利而為複保 險 preceding Article, or obtains double insurance with the intent to
者，其契約無效。 acquire undue profit, the contract shall be void.

第 38 條 Article 38
善意之複保險，其保險金額之 Where double insurance has been obtained in good faith and the
總額超過保險標的之價值者， total insured amount exceeds the value of the subject matter insured,
除另有約定外，各保險人對於 each insurer, unless otherwise stipulated, is liable only to provide a
保險標的之全部價值，僅就其 share of the indemnification for the total value of the subject matter
所保金額負比例分擔之責。 insured pro rata to the amount it has insured. However, the total
但賠償總額，不得超過保險標 indemnification may not exceed the value of the subject matter
的之價值。 insured.

第六節 再保險 Section 6. Reinsurance

第 39 條 Article 39
再保險，謂保險人以其所承保 The term "reinsurance" means an act of contracting whereby an
之危險，轉向他保險人為保險 insurer effects insurance with another insurer to cede risk that it has
之契約行為。 insured.

第 40 條 Article 40
原保險契約之被保險人，對於 The insured of the original insurance contract has no right to claim
再保險人無賠償請求權。但原 indemnification from a reinsurer. However, this restriction does not
保險契約及再保險契約另有約 apply where otherwise provided by the original insurance contract
定者，不在此限。 or the reinsurance contract.

第 41 條 Article 41
再保險人不得向原保險契約之 A reinsurer may not claim payment of premium from the proposer
要保人請求交付保險費。 of the original insurance contract.

第 42 條 Article 42
原保險人不得以再保險人不履 An original insurer may not refuse or delay fulfillment of its
行再保險金額給付之義務為理 obligations to the insured on the grounds that a reinsurer has failed
由，拒絕或延遲履行其對於被 to fulfill its obligation to make reinsurance payment.
保險人之義務。

第二章 保險契約 Chapter II. Insurance Contracts

第一節 通則 Section 1. General Provisions

第 43 條 Article 43
保險契約，應以保險單或暫保 An insurance contract shall be made in the form of a policy or a
單為之。 binder.

第 44 條 Article 44
保險契約，由保險人於同意要 An insurance contract is to be signed and executed by the insurer
保人聲請後簽訂。 after it agrees to an application submitted by the proposer.
利害關係人，均得向保險人請 Any interested party may request a copy of the insurance contract
求保險契約之謄本。 from the insurer.

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第 45 條 Article 45
要保人得不經委任，為他人之 A proposer may, without having been mandated, enter into an
利益訂立保險契約。受益人有 insurance contract for the benefit of another person. Should there be
疑義時，推定要保人為自己之 any doubt as to the beneficiary, it will be presumed that the proposer
利益而訂立。 entered into the contract for its own benefit.

第 46 條 Article 46
保險契約由代理人訂立者，應 If an insurance contract is entered into by an agent [on behalf of
載明代訂之意旨。 another], a statement to such effect shall be made in the insurance
contract.

第 47 條 Article 47
保險契約由合夥人或共有人中 If an insurance contract is entered into by one or several partners or
之一人或數人訂立，而其利益 co-owners for the benefit of all the partners or co-owners, a
及於全體合夥人或共有人者， statement to such effect shall be made in the insurance contract.
應載明為全體合夥人或共有人
訂立之意旨。

第 48 條 Article 48
保險人得約定保險標的物之一 An insurer may stipulate in the contract that loss to a portion of the
部份，應由要保人自行負擔由 subject matter insured arising from risk shall be borne by the
危險而生之損失。 proposer.
有前項約定時，要保人不得將 When the type of stipulation set forth in the preceding paragraph is
未經保險之部份，另向他保險 made, the proposer may not enter into an insurance contract with
人訂立保險契約。 another insurer for the portion that has not been insured.

第 49 條 Article 49
保險契約除人身保險外，得為 Except in the case of insurance of the person, an insurance contract
指示式或無記名式。 may have either a specified or an unspecified beneficiary.
保險人對於要保人所得為之抗 The insurer may raise against the assignee of an insurance contract
辯，亦得以之對抗保險契約之 the same defense that it may raise against the proposer.
受讓人。

第 50 條 Article 50
保險契約分不定值保險契約， Insurance contracts are classified into unvalued and valued
及定值保險契約。 insurance contracts.
不定值保險契約，為契約上載 An unvalued insurance contract is an insurance contract which
明保險標的之價值，須至危險 expressly states that the value of the subject matter insured must be
發生後估計而訂之保險契約。 estimated after occurrence of the insured risk.
定值保險契約，為契約上載明 A valued insurance contract is an insurance contract that expressly
保險 標的一定 價值之保險 契 states a definite value for the subject matter insured.
約。

第 51 條 Article 51
保險契約訂立時，保險標的之 If the risk associated with the subject matter insured has already
危險已發生或已消滅者，其契 occurred or ceased to exist at the time an insurance contract is
約無效。但為當事人雙方所不 entered into, the contract shall be void, provided that this rule does
知者，不在此限。 not apply when neither of the contracting parties is aware of the

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occurrence or cessation of existence.

訂約時，僅要保人知危險已發 If, at the time an insurance contract is entered into, only the
生者，保險人不受契約之拘束。 proposer knows that the risk has already occurred, the insurer is not
bound by the contract.
訂約時，僅保險人知危險已消 If, at the time an insurance contract is entered into, only the insurer
滅者，要保人不受契約之拘束。 knows that the risk has ceased to exist, the proposer is not bound by
the contract.

第 52 條 Article 52
為他人利益訂立之保險契約， When an insurance contract is entered into for the benefit of another
於訂約時，該他人未確定者， person, if that person has not yet been determined at the time the
由要保人或保險契約所載可得 contract is entered into, the proposer, or such beneficiary as may be
確定之受益人，享受其利益。 determined in accordance with the content of the insurance contract,
shall enjoy the benefit.

第 53 條 Article 53
被保險人因保險人應負保險責 If an insured has a right to claim indemnification from a third party
任之損失發生，而對於第三人 due to occurrence of loss for which the insurer bears insurance
有損失賠償請求權者，保險人 liability, the insurer may, after paying indemnification, be
得於給付賠償金額後，代位行 subrogated to the insured's right of claim against the third party.
使被保險人對於第三人之請求 However, the amount of the subrogated claim may not exceed the
權；但其所請求之數額，以不 amount of the indemnification.
逾賠償金額為限。
前項第三人為被保險人之家屬 If the third party referred to in the preceding paragraph is a family
或受僱人時，保險人無代位請 member or employee of the insured, the insurer has no right of
求權。但損失係由其故意所致 claim by subrogation. However, this rule is not applicable when the
者，不在此限。 loss has resulted from the willful misconduct of such third party.

第 54 條 Article 54
本法之強制規定，不得以契約 Compulsory provisions of this Act may not be modified by contract.
變更 之 。但有 利於被保險 人 However, this restriction does not apply to modifications favorable
者，不在此限。 to the insured.
保險契約之解釋，應探求契約 Interpretation of insurance contracts shall seek the true intent of the
當事人之真意，不得拘泥於所 parties, and may not adhere blindly to the language employed.
用之文字；如有疑義時，以作 Where there is doubt, interpretations should in principle be
有利 於被保險 人之解釋為 原 favorable to the insured.
則。

第 54-1 條 Article 54-1

保險契約中有左列情事之一， If an insurance contract contains any term or condition as follows,
依訂約時情形顯失公平者，該 and such term or condition would have been obviously unfair under
部分之約定無效： the circumstances at the time of signing, such part of the contract
一、免除或減輕保險人依本法 shall be void:
應負之義務者。 1. A term or condition that exempts the insurer from or diminishes
二、使要保人、受益人或被保 its obligations under this Act.
險人拋棄或限制其依本法所享 2. A term or condition that causes the proposer, beneficiary, or
之權利者。 insured to waive or limit any right they enjoy under this Act.
三、加重要保人或被保險人之
義務者。 3. A term or condition that increases the obligations of the proposer

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四、其他於要保人、受益人或 or the insured.

被保險人有重大不利益者。 4. Any other term or condition that is materially disadvantageous to
the proposer, beneficiary, or insured.

第二節 基本條款 Section 2. Basic Provisions

第 55 條 Article 55
保險 契約 ，除 本法另有規 定 Except where otherwise provided in this Act, an insurance contract
外，應記載左列各款事項： shall specify the following particulars:
一、當事人之姓名及住所。 1. Names and domiciles of the contracting parties.
二、保險之標的物。 2. The subject matter insured.
三、保險事故之種類。 3. The type of risk insured.
四、保險責任開始之日時及保 4. The date and hour from which the insurance liability commences
險期間。 and the period of insurance.
五、保險金額。 5. The insured amount.
六、保險費。 6. The premium.
七、無效及失權之原因。 7. Causes for voidance of contract or loss of rights.
八、訂約之年月日。 8. The date the contract is entered into.

第 56 條 Article 56
變更保險契約或恢復停止效力 When an insurance contract is modified or a suspended contract is
之保險契約時，保險人於接到 reinstated, failure by the insurer to reject the modification or
通知後十日內不為拒絕者，視 reinstatement within 10 days from receipt of notification shall be
為承諾。但本法就人身保險有 deemed acceptance. However, where this Act has special provisions
特別規定者，從其規定。 for insurance of the person, such provisions shall govern.

第 57 條 Article 57
當事人之一方對於他方應通知 Except when due to a force majeure event, the failure of a party to
之事項而怠於通知者，除不可 an insurance contract to provide a required notification of any
抗力 之事故外 ，不問是否 故 matter to another party, whether intentional or unintentional, may be
意，他方得據為解除保險契約 cause for rescission of the contract by the other party.
之原因。

第 58 條 Article 58
要保人、被保險人或受益人， When a proposer, insured, or beneficiary experiences an event for
遇有保險人應負保險責任之事 which the insurer bears insurance liability, such party shall notify
故發生，除本法另有規定，或 the insurer within five days from becoming aware of the occurrence,
契約另有訂定外，應於知悉後 except where otherwise provided in this Act or stipulated in the
五日內通知保險人。 contract.

第 59 條 Article 59
要保人對於保險契約內所載增 A proposer required to serve notice of circumstances that increase
加危險之情形應通知者，應於 risk as stated in the insurance contract shall notify the insurer upon
知悉後通知保險人。 becoming aware of the circumstances.
危險增加，由於要保人或被保 If the increase in risk is caused by an act of the proposer or the
險人之行為所致，其危險達於 insured, and the risk is increased to the extent that the premium
應增加保險費或終止契約之程 should be increased or the contract terminated, the proposer or the
度者，要保人或被保險人應先 insured shall serve prior notice to the insurer.

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通知保險人。
危險增加，不由於要保人或被 If the increase in risk is not caused by an act of the proposer or the
保險人之行為所致者，要保人 insured, the proposer or the insured shall notify the insurer within 10
或被保險人應於知悉後十日內 days of becoming aware of the increase in risk.
通知保險人。
危險減少時，被保險人得請求 When risk is diminished, the insured may request the insurer to
保險人重新核定保費。 adjust the premium.

第 60 條 Article 60
保險遇有前條情形，得終止契 In the event of circumstances referred to in the preceding article, the
約，或提議另定保險費。要保 insurer may terminate the contract or propose revision of the
人對於另定保險費不同意者， premium. If the proposer does not agree to the premium adjustment,
其契約即為終止。但因前條第 the contract is terminated forthwith. However, where the contract is
二項情形終止契約時，保險人 terminated on account of circumstances stated in paragraph 2 of the
如有損失，並得請求賠償。 preceding article, the insurer may also claim compensation if it has
sustained any loss.
保險人知危險增加後，仍繼續 An insurer that continues to accept the premium after becoming
收受保險費，或於危險發生後 aware of an increase in risk, or that pays a claim after occurrence of
給付賠償金額，或其他維持契 the risk, or that otherwise expresses intent to maintain the contract,
約之表示者，喪失前項之權利。 loses the rights stated in the preceding paragraph.

第 61 條 Article 61
危險 增加如有 左列情形之 一 The provisions of Article 59 does not apply to an increase in risk
時，不適用第五十九條之規定： under any of the following circumstances:
一、損害之發生不影響保險人 1. Where the occurrence of damage does not affect the burden of the
之負擔者。 insurer.
二、為防護保險人之利益者。 2. Where the act is done to protect the interests of the insurer.
三、為履行道德上之義務者。 3. Where the act is done to fulfill a moral obligation.

第 62 條 Article 62
當事人之一方對於左列各款， A party shall be free of obligation of notification with regard to any
不負通知之義務： matter enumerated below:
一、為他方所知者。 1. A matter of which the other party is aware.
二、 依通常注 意為他方所 應 2. A matter of which the other party should be aware by paying
知，或無法諉為不知者。 normal attention or for which it would have no excuse for being
unaware.
三、一方對於他方經聲明不必 3. A matter of which the other party has stated that no notice need
通知者。 be served.

第 63 條 Article 63
要保人或被保險人不於第五十 A proposer or an insured who fails to serve notice within the time
八條，第五十九條第三項所規 limit stated in Article 58 or Article 59, paragraph 3 shall be liable
定之期限內為通知者，對於保 for loss sustained by the insurer as a result.
險人因此所受之損失，應負賠
償責任。

第 64 條 Article 64
訂立契約時，要保人對於保險 At the time a contract is entered into, the proposer shall make
人之書面詢問，應據實說明。 truthful representations in response to the written inquiries of the

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insurer.
要保人故意隱匿，或因過失遺 If the proposer has made any willful concealment, nondisclosure
漏，或為不實之說明，足以變 through its own fault, or misrepresentation, and such concealment,
更或減少保險人對於危險之估 nondisclosure, or misrepresentation is sufficient to alter or diminish
計者，保險人得解除契約；其 the insurer's estimation of the risk to be undertaken, the insurer may
危險發生後亦同。但要保人證 rescind the contract; the same shall apply after the risk has occurred,
明危險之發生未基於其說明或 provided that this provision does not apply where the proposer
未說明之事實時，不在此限。 proves that the occurrence of the risk was not based upon any fact
that it did or did not represent.
前項解除契約權，自保險人知 The right to rescind as stated in the preceding paragraph shall be
有解除之原因後，經過一個月 extinguished if not exercised within one month of the time the
不行使而消滅；或契約訂立後 insurer knows of the cause for rescission. Once two years have
經過二年，即有可以解除之原 elapsed after the contract is entered into, the contract may not be
因，亦不得解除契約。 rescinded even if cause for rescission exists.

第 65 條 Article 65
由保險契約所生之權利，自得 Any right arising out of an insurance contract shall be extinguished
為請求之日起，經過二年不行 if not exercised within two years from the day when it becomes
使而消滅。有左列各款情形之 possible to exercise the right. If any of the following circumstances
一者，其期限之起算，依各該 exists, the two-year time period commences as set forth in the
款之規定： following subparagraphs:
一、要保人或被保險人對於危 1. If there is concealment, non-disclosure, or misrepresentation on
險之說明，有隱匿、遺漏或不 the part of the proposer or insured in the disclosure of risk, the
實者，自保險人知情之日起算。 period commences from the day on which the insurer becomes
aware of the situation.
二、危險發生後，利害關係人 2. If, after a risk occurs, an interested party can prove that its lack of
能證 明其非因 疏忽而不知 情 awareness was not due to negligence, the period will begin from the
者，自其知情之日起算。 day on which it becomes aware of the situation.
三、要保人或被保險人對於保 3. If the claim of a proposer or insured against an insurer arises out
險人之請求，係由於第三人之 of the claim of a third party, the period will begin from the day on
請求而生者，自要保人或被保 which the proposer or insured is presented with the third-party
險人受請求之日起算。 claim.

第三節 特約條款 Section 3. Special Provisions

第 66 條 Article 66
特約條款，為當事人於保險契 A special provision is a provision whereby the parties represent and
約基本條款外，承認履行特種 warrant performance of a special obligation apart from the basic
義務之條款。 provisions of the insurance contract.

第 67 條 Article 67
與保險契約有關之一切事項， All matters, whether past, present, or future, that relate to an
不問過去現在或將來，均得以 insurance contract may be stipulated by a special provision.
特約條款定之。

第 68 條 Article 68
保險契約當事人之一方違背特 When a party to an insurance contract breaches a special provision,
約條款時，他方得解除契約； the other party may rescind the contract. The same rule also applies
其危險發生後亦同。 after the risk has occurred.

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第六十四條第三項之規定，於 The provisions of Article 64, paragraph 3 apply mutatis mutandis to

前項情形準用之。 the circumstances in the preceding paragraph.

第 69 條 Article 69
關於未來事項之特約條款，於 With regard to any special provision relating to a future matter, if
未屆履行期前危險已發生，或 the related risk has already occurred before the time for performance
其履行為不可能，或在訂約地 of the provision has commenced, or performance of the provision is
為不合法而未履行者，保險契 impossible, or the provision has not been performed because it is
約不因之而失效。 illegal in the place where the contract was entered into, the
insurance contract does not for that reason become void.

第三章 財產保險 Chapter III. Non-life Insurance

第一節 火災保險 Section 1. Fire Insurance

第 70 條 Article 70
火災保險人，對於由火災所致 A fire insurer is liable, unless otherwise stipulated in the contract, to
保險標的物之毀損或滅失，除 indemnify for damage or loss of the subject matter insured as a
契約另有訂定外，負賠償之責。 result of fire.
因救護保險標的物，致保險標 Loss to the subject matter insured that occurs in the course of
的物發生損失者，視同所保危 attempting to save or protect it is deemed to have arisen out of the
險所生之損失。 insured risk.

第 71 條 Article 71
就集合之物而總括為保險者， When insurance is effected to cover a group of things collectively,
被保險人家屬、受僱人或同居 the belongings of family members, employees, or cohabitants of the
人之物，亦得為保險標的，載 insured may also be specified in the insurance contract as part of the
明於 保險契約 ，在危險發 生 subject matter insured, and indemnification for loss to such items
時，就其損失享受賠償。 shall be made upon occurrence of the insured risk.
前項保險契約，視同並為第三 An insurance contract referred to in the preceding paragraph shall be
人利益而訂立。 deemed as having also been entered into for the benefit of the third
parties.

第 72 條 Article 72
保險 金額為保 險人在保險 期 The insured amount is the maximum liability to be borne by the
內，所負責任之最高額度。保 insurer during the term of insurance. Before underwriting an
險人應於承保前，查明保險標 insurance policy, the insurer shall appraise the market value of the
的物之市價，不得超額承保。 subject matter to be insured, and may not over-insure the subject
matter.

第 73 條 Article 73
保險標的，得由要保人，依主 A proposer may apply for either valued or unvalued insurance
管機關核定之費率及條款，作 coverage of any given subject matter, at a premium rate and under
定值或不定值約定之要保。 provisions approved by the competent authority.
保險標的，以約定價值為保險 When the stipulated value of the subject matter insured is the
金額者，發生全部損失或部份 insured amount, if total loss or partial loss is sustained,
損失時，均按約定價值為標準 indemnification shall be calculated on the basis of the stipulated
計算賠償。 value.
保險標的未經約定價值者，發 When the value of the subject matter insured is not stipulated, if loss

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生損失時，按保險事故發生時 is sustained, indemnification shall be calculated on the basis of the

實際價值為標準，計算賠償， actual value at the time of occurrence of the insured peril.
其賠償金額，不得超過保險金 Indemnification may not exceed the insured amount.
額。

第 74 條 Article 74
第七十三條所稱全部損失，係 The term "total loss" as used in Article 73 means total destruction or
指保險標的全部滅失或毀損， loss of the subject matter insured, to such an extent that it cannot be
達於 不能修復 或其修復之 費 restored, or the cost of restoration exceeds the value of the subject
用，超過保險標的恢復原狀所 matter insured after restoration to its original condition.
需者。

第 75 條 Article 75
保險 標的物不 能以市價估 計 If the value of the subject matter insured cannot be appraised on the
者，得由當事人約定其價值。 basis of market value, the contracting parties may stipulate its value.
賠償時從其約定。 Any indemnification shall be based on the stipulated value.

第 76 條 Article 76
保險金額超過保險標的價值之 Where the insured amount exceeds the value of the subject matter
契約，係由當事人一方之詐欺 insured, if the contract is entered into through the fraud of one of the
而訂立者，他方得解除契約。 contracting parties, the other party may rescind the contract. If loss
如有損失，並得請求賠償。無 is sustained, the other party may also claim indemnification. If no
詐欺情事者，除定值保險外， fraud is involved, the contract shall, except in the case of valued
其契約僅於保險標的價值之限 insurance, be valid only within the limits of the value of the subject
度內為有效。 matter insured.
無詐欺情事之保險契約，經當 For contracts where fraud is not at issue, after one of the contracting
事人一方將超過價值之事實通 parties has notified the other party of the fact that the subject matter
知他 方後 ，保 險金額及保 險 is over-insured, the insured amount and the premium shall both be
費，均應按照保險標的之價值 reduced pro rata according to the value of the subject matter insured.
比例減少。

第 77 條 Article 77
保險金額不及保險標的物之價 If the insured amount is below the value of the subject matter
值者，除契約另有訂定外，保 insured, the burden of the insurer, unless otherwise stipulated in the
險人之負擔，以保險金額對於 contract, is to be determined by the ratio of the insured amount to
保險標的物之價值比例定之。 the value of the subject matter insured.

第 78 條 Article 78
損失之估計，因可歸責於保險 If appraisal of loss is delayed due to causes attributable to the
人之事由而遲延者，應自被保 insurer, additional interest shall accrue beginning one month from
險人交出損失清單一個月後加 the day on which the insured presents a statement of loss. If
給利息。損失清單交出二個月 appraisal of loss remains unfinalized two months after presentation
後損失尚未完全估定者，被保 of the statement of loss, the insured may claim pre-payment of the
險人得請求先行交付其所應得 minimum amount of indemnification to which it is entitled.
之最低賠償金額。

第 79 條 Article 79
保險人或被保險人為證明及估 Any necessary expenses incurred by an insurer or an insured to
計損失所支出之必要費用，除 prove and appraise a loss are to be borne by the insurer unless

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契約另有訂定外，由保險人負 otherwise stipulated in the contract.

擔之。
保險金額不及保險標的物之價 If the insured amount is less than the value of the subject matter
值時，保險人對於前項費用， insured, the expenses mentioned in the preceding paragraph are to
依第 七十七條 規定比例負 擔 be borne pro rata by the insurer in accordance with the ratio set forth
之。 in Article 77.

第 80 條 Article 80
損失未估定前，要保人或被保 Before appraisal of loss has been finalized, the proposer or the
險人除為公共利益或避免擴大 insured may not, except in order to ensure the public interest or
損失外，非經保險人同意，對 avoid aggravation of loss, make any alteration to the subject matter
於保險標的物不得加以變更。 insured without the insurer's consent.

第 81 條 Article 81
保險標的物非因保險契約所載 When something other than an insured peril specified in the
之保險事故而完全滅失時，保 insurance contract causes complete destruction or loss of the subject
險契約即為終止。 matter insured, the insurance contract shall be forthwith terminated.

第 82 條 Article 82
保險標的物受部份之損失者， If the subject matter insured sustains partial loss, both the insurer
保險人與要保人均有終止契約 and the proposer have the right to terminate the contract. After
之權。終止後，已交付未損失 termination, premium already paid for the portion not affected by
部份之保險費應返還之。 the loss shall be refunded.
前項終止契約權，於賠償金額 The right to terminate the contract as stated in the preceding
給付後，經過一個月不行使而 paragraph shall be extinguished if not exercised within one month
消滅。 after indemnification is paid.
保險人終止契約時，應於十五 The insurer shall notify the proposer fifteen days prior to
日前通知要保人。 terminating the contract.
要保人與保險人均不終止契約 If neither the proposer nor the insurer terminates the contract, the
時，除契約另有訂定外，保險 liability of the insurer for any future loss resulting from insured
人對於以後保險事故所致之損 perils shall, unless otherwise stipulated in the contract, be limited to
失，其責任以賠償保險金額之 the balance of the insured amount after indemnification.
餘額為限。

第 82-1 條 Article 82-1

第七十三條至第八十一條之規 The provisions of Article 73 to 81 apply mutatis mutandis to marine
定，於海上保險、陸空保險、 insurance, land and air insurance, liability insurance, bonding
責任保險、保證保險及其他財 insurance, and other types of non-life insurance.
產保險準用之。
第一百二十三條及第一百二十 The provisions of Article 123 and 124 apply mutatis mutandis to
四條之規定，於超過一年之財 non-life insurance of term length exceeding one year.
產保險準用之。

第二節 海上保險 Section 2. Marine Insurance

第 83 條 Article 83
海上保險人對於保險標的物， Unless otherwise stipulated in the contract, a marine insurer is
除契約另有規定外，因海上一 liable, with respect to the subject matter insured, to indemnify for
切事變及災害所生之毀損、滅 damage, loss, and expenses arising out of all accidents and

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失及費用，負賠償之責。 calamities at sea.

第 84 條 Article 84
關於海上保險，適用海商法海 Marine insurance is governed by the provisions of the Marine
上保險章之規定。 Insurance Chapter of the Maritime Act.

第三節陸空保險 Section 3. Land and Air Insurance

第 85 條 Article 85
陸上、內河及航空保險人，對 Unless otherwise stipulated in the contract, land, inland waterway,
於保險標的物，除契約另有訂 and aviation insurers are liable, with respect to the subject matter
定外，因陸上、內河及航空一 insured, to indemnify for damage, loss, and expenses arising out of
切事變及災害所致之毀損、滅 all accidents and calamities on land, inland waterways, or in the air.
失及費用，負賠償之責。

第 86 條 Article 86
關於貨物之保險，除契約另有 With regard to cargo insurance, unless otherwise stipulated in the
訂定外，自交運之時以迄於其 contract, the term of insurance begins from the time of delivery for
目的地收貨之時為其期間。 transport and continues to the time the cargo is received at the place
of destination.

第 87 條 Article 87
保險契約，除記載第五十五條 An insurance contract, in addition to specifying the particulars
規定事項外，並應載明左列事 provided in Article 55, shall also specify the following particulars:
項：
一、運送路線及方法。 1. Route and method of transportation.
二、運送人姓名或商號名稱。 2. Personal name and business name of transporter.
三、交運及取貨地點。 3. Place of delivery for transport and place of cargo collection.
四、運送有期限者，其期限。 4. Deadline for transportation, if any.

第 88 條 Article 88
因運送上之必要，暫時停止或 If, due to transportation needs, transportation is temporarily
變更運送路線或方法時，保險 suspended or the route or method of transportation is altered, the
契約除另有訂定外，仍繼續有 insurance contract remains valid unless otherwise stipulated therein.
效。

第 89 條 Article 89
航行內河船舶運費及裝載貨物 Unless otherwise provided for in this Section, the relevant
之保險，除本節另有規定外， provisions for marine insurance apply mutatis mutandis to hull,
準用 海上保險 有關條文之 規 freight, and cargo insurance for vessels navigating inland
定。 waterways.

第四節 責任保險 Section 4. Liability Insurance

第 90 條 Article 90
責任保險人於被保險人對於第 When the insured is legally obligated to indemnify a third party and
三人，依法應負賠償責任，而 receives a claim in connection therewith, the liability insurer is
受賠償之請求時，負賠償之責。 liable to provide indemnification.

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第 91 條 Article 91
被保險人因受第三人之請求而 All necessary litigation or non-litigation expenses incurred by the
為抗辯，所支出之訴訟上或訴 insured to raise a defense against a third party's claim shall, unless
訟外之必要費用，除契約另有 otherwise stipulated in the contract, be borne by the insurer.
訂定外，由保險人負擔之。
被保險人得請求保險人墊給前 The insured may request that the insurer advance the expenses
項費用。 referred to in the preceding paragraph.

第 92 條 Article 92
保險契約係為被保險人所營事 Where an insurance contract has been entered into to cover the
業之損失賠償責任而訂立者， liability of an enterprise run by the insured for loss indemnification,
被保險人之代理人、管理人或 liability for loss indemnification borne by any agent, manager, or
監督人所負之損失賠償責任， supervisor of the insured shall also be entitled to the benefit of the
亦享受保險之利益，其契約視 insurance, and the contract shall be deemed to have been entered
同並為第三人之利益而訂立。 into concurrently for the benefit of third parties.

第 93 條 Article 93
保險人得約定被保險人對於第 An insurer may stipulate in a contract that any acknowledgment,
三人就其責任所為之承認、和 settlement, or indemnification made by the insured in connection
解或賠償，未經其參與者，不 with its liability toward a third party without the participation of the
受拘束。但經要保人或被保險 insurer is not binding on the insurer, provided that this rule does not
人通知保險人參與而無正當理 apply where the insurer, having been requested by the proposer or
由拒絕或藉故遲延者，不在此 insured to participate, has refused to do so without legitimate reason
限。 or has delayed its participation on pretext.

第 94 條 Article 94
保險人於第三人由被保險人應 Prior to indemnification of a third party for loss caused by an event
負責任事故所致之損失，未受 attributable to the insured, an insurer may not pay all or any part of
賠償以前，不得以賠償金額之 the insured amount to an insured.
全部或一部給付被保險人。
被保險人對第三人應負損失賠 Where the insured has been determined liable to indemnify a third
償責任確定時，第三人得在保 party for loss, the third party may claim for payment of
險金額範圍內，依其應得之比 indemnification, within the scope of the insured amount and based
例，直接向保險人請求給付賠 on the ratio to which the third party is entitled, directly from the
償金額。 insurer.

第 95 條 Article 95
保險人得經被保險人通知，直 The insurer may, upon being notified by the insured, indemnify the
接對 第三人為 賠償金額之 給 third party directly.
付。

第四節之一 保證保險 Section 4-1. Bonding Insurance

第 95-1 條 Article 95-1

保證保險人於被保險人因其受 A bonding insurer is liable to indemnify the insured for loss
僱人之不誠實行為或其債務人 incurred through dishonest acts by the insured's employees or
之不履行債務所致損失，負賠 through non-performance of obligations by its obligors.
償之責。

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第 95-2 條 Article 95-2

以受僱人之不誠實行為為保險 Bonding insurance contracts for which dishonest acts by the
事故之保證保險契約，除記載 insured's employees constitute the insured peril shall, in addition to
第五十五條規定事項外，並應 the particulars provided in Article 55, also contain the following
載明左列事項： particulars:
一、被保險人之姓名及住所。 1. Insured's name and domicile.
二、受僱人之姓名、職稱或其 2. Employee's name and title or other means of identifying the
他得以認定為受僱人之方式。 employee.

第 95-3 條 Article 95-3

以債務人之不履行債務為保險 Bonding insurance contracts for which non-performance of
事故之保證保險契約，除記載 obligations by the insured's obligors constitute the insured peril
第五十五條規定事項外，並應 shall, in addition to the particulars provided for in Article 55, also
載明左列事項： contain the following particulars:
一、被保險人之姓名及住所。 1. Insured's name and domicile.
二、債務人之姓名或其他得以 2. Obligor's name or other means of identifying the obligor.
認定為債務人之方式。

第五節 其他財產保險 Section 5. Other Non-life Insurance

第 96 條 Article 96
其他財產保險為不屬於火災保 The term "other non-life insurance" refers to insurance of various
險、海上保險、陸空保險、責 kinds not within the scope of fire insurance, marine insurance, land
任保險及保證保險之範圍，而 and air insurance, liability insurance, and bonding insurance, and in
以財物或無形利益為保險標的 which property or intangible interests constitute the subject matter
之各種保險。 insured.

第 97 條 Article 97
保險人有隨時查勘保險標的物 An insurer has the right to inspect the subject matter insured at any
之權，如發現全部或一部份處 time. If the insurer discovers that all or part of it is in abnormal
於不正常狀態，經建議要保人 condition, the insurer has the right to suggest that the proposer or
或被 保險人修 復後 ，再行 使 the insured should repair it before further use. If the proposer or the
用。如要保人或被保險人不接 insured refuses the suggestion, the insurer may terminate the
受建議時，得以書面通知終止 insurance contract or relevant parts of it by written notice.
保險契約或其有關部份。

第 98 條 Article 98
要保人或被保險人，對於保險 An insurer is not liable to indemnify for any loss resulting from
標的物未盡約定保護責任所致 failure of the proposer or the insured to fulfill its contractual duty to
之損失，保險人不負賠償之責。 protect the subject matter insured.
危險事故發生後，經鑑定係因 If, after occurrence of the risk insured, assessment shows that loss
要保人或被保險人未盡合理方 was increased due to failure of the proposer or the insured to take
法保護標的物，因而增加之損 reasonable measures to protect the subject matter insured, the
失，保險人不負賠償之責。 insurer is not liable to indemnify for such increased loss.

第 99 條 Article 99
保險標的物受部份之損失，經 If the subject matter insured sustains partial loss, the insurance
賠償或回復原狀後，保險契約 contract shall remain valid after indemnification has been made or
繼續有效。但與原保險情況有 the subject matter has been restored to its original condition.

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異時，得增減其保險費。 However, the premium may be increased or decreased if the

condition of the subject matter differs from that originally insured.

第 100 條 Article 100

（刪除） (Deleted)

第四章 人身保險 Chapter IV. Insurance of the Person

第一節 人壽保險 Section 1. Life Insurance

第 101 條 Article 101

人壽保險人於被保險人在契約 A life insurer is obligated to pay the insured amount in accordance
規定年限內死亡，或屆契約規 with the contract when the insured dies within the time limit set
定年限而仍生存時，依照契約 forth in the contract or is still alive when the time limit set forth in
負給付保險金額之責。 the contract expires.

第 102 條 Article 102

人壽保險之保險金額，依保險 The insured amount in life insurance is that set forth in the insurance
契約之所定。 contract.

第 103 條 Article 103

人壽保險之保險人，不得代位 A life insurer may not be subrogated to a right of claim of the
行使要保人或受益人因保險事 proposer or the beneficiary against a third party, where such claim
故所生對於第三人之請求權。 arises out of occurrence of an insured peril.

第 104 條 Article 104

人壽保險契約，得由本人或第 A life insurance contract may be entered into by the insured, or by a
三人訂立之。 third party.

第 105 條 Article 105

由第 三人訂立 之死亡保險 契 A life insurance contract against death entered into by a third party
約，未經被保險人書面同意， without written consent of the insured and stipulation of the insured
並約定保險金額，其契約無效。 amount shall be void.
被保險人依前項所為之同意， An insured who has given consent as stated in the preceding
得隨時撤銷之。其撤銷之方式 paragraph may withdraw the consent at any time. Such withdrawal
應以 書面通知 保險人及要 保 of consent shall be made in writing to the insurer and the proposer.
人。
被保險人依前項規定行使其撤 When the insured exercises the right to withdraw consent as stated
銷權者，視為要保人終止保險 in the preceding paragraph, the contract shall be deemed terminated
契約。 by the proposer.

第 106 條 Article 106

由第 三人訂立 之人壽保險 契 Transfer or pledge of rights under a life insurance contract entered
約，其權利之移轉或出質，非 into by a third party shall not take effect without the written
經被保險人以書面承認者，不 acknowledgement of the insured.
生效力。

第 107 條 Article 107

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以未滿十五歲之未成年人為被 If, at the time a life insurance contract is entered into, the insured is
保險人訂立之人壽保險契約， a minor under fifteen years of age, the death benefits shall take
其死亡給付於被保險人滿十五 effect on the date the insured reaches fifteen years of age. If the
歲之日起發生效力；被保險人 insured dies before reaching fifteen years of age, the insurer shall
滿十五歲前死亡者，保險人得 refund all premiums paid with or without interest, or refund the
加計利息退還所繳保險費，或 account value of the insured in a separate account set up for
返還投資型保險專設帳簿之帳 investment-linked insurance.
戶價值。
前項利息之計算，由主管機關 The calculation of interest mentioned in the preceding paragraph
另定之。 will be set forth by the competent authority.
訂立人壽保險契約時，以精神 If, at the time a life insurance contract is entered into, the insured is
障礙或其他心智缺陷，致不能 mentally impaired or of diminished mental capacity that he or she is
辨識其行為或欠缺依其辨識而 incapable of comprehending his or her own action or lacks the
行為之能力者為被保險人，除 ability to act based on his or her comprehension, all death benefits
喪葬費用之給付外，其餘死亡 other than funeral expense benefits shall be void.
給付部分無效。
前項喪葬費用之保險金額，不 The insured amount for the funeral expenses referred to in the
得超過遺產及贈與稅法第十七 preceding paragraph may not exceed one half of the funeral expense
條有關遺產稅喪葬費扣除額之 deduction allowed for estate tax under Article 17 of the Estate and
一半。 Gift Tax Act.
第一項至第四項規定，於其他 If the provisions in paragraph 1 to paragraph 4 are otherwise
法律另有規定者，從其規定。 provided in other laws, such other laws shall prevail.

第 108 條 Article 108

人壽保險契約，除記載第五十 A life insurance contract, besides specifying the particulars provided
五條規定事項外，並應載明左 in Article 55, shall also specify the following particulars:
列事項：
一、被保險人之姓名、性別、 1. Name, sex, age, and domicile of the insured.
年齡及住所。
二受益人姓名及與被保險人之 2. Names of beneficiaries and their relation to the insured, or a
關係或確定受益人之方法。 means of identifying the beneficiaries.
三、請求保險金額之保險事故 3. The insured perils for which the insured amount may be claimed,
及時期。 and the period for making the claim.
四、依第一百十八條之規定， 4. The conditions, if any, for reduction of the insured amount in
有減少保險金額之條件者，其 accordance with the provisions of Article 118.
條件。

第 109 條 Article 109

被保險人故意自殺者，保險人 If the insured willfully commits suicide, the insurer is not obligated
不負給付保險金額之責任。但 to pay the insured amount, but the non-forfeiture value shall be
應將保險之保單價值準備金返 refunded to the person entitled to receive it.
還於應得之人。
保險契約載有被保險人故意自 If an insurance contract contains a provision specifying that the
殺，保險人仍應給付保險金額 insurer shall still pay the insured amount even if the insured
之條款者，其條款於訂約二年 willfully commits suicide, such a provision shall come into effect
後始生效力。恢復停止效力之 only two years after the date on which the contract is entered into. In
保險契約，其二年期限應自恢 the case of reinstatement of a suspended insurance contract, such
復停止效力之日起算。 two-year period shall commence from the date of reinstatement.
被保險人因犯罪處死或拒捕或 If the insured is executed for a crime or dies as the result of resisting

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越獄致死者，保險人不負給付 arrest or escaping from jail, the insurer is not obligated to pay the
保險金額之責任。但保險費已 insured amount. However, if premium has been paid in full for not
付足二年以上者，保險人應將 less than two years, the insurer shall refund the amount of the
其保單價值準備金返還於應得 non-forfeiture value to the person entitled to receive it.
之人。

第 110 條 Article 110

要保人得通知保險人，以保險 A proposer may notify the insurer to pay all or part of the insured
金額之全部或一部，給付其所 amount to one or several of the designated beneficiaries.
指定之受益人一人或數人。
前項指定之受益人，以於請求 The designated beneficiaries referred to in the preceding paragraph
保險金額時生存者為限。 are limited to those alive at the time the insured amount is claimed.

第 111 條 Article 111

受益人經指定後，要保人對其 After the beneficiaries have been designated, the proposer may still
保險利益，除聲明放棄處分權 dispose of his or her insurable interest by contract or by will unless
者外，仍得以契約或遺囑處分 he or she has declared to waive the right of disposition.
之。
要保人行使前項處分權，非經 Exercise by the proposer of the right of disposition referred to in the
通知，不得對抗保險人。 preceding paragraph may not be raised as a defense against the
insurer unless the insurer was given notice of such exercise.

第 112 條 Article 112

保險金額約定於被保險人死亡 If it has been stipulated that the insured amount is to be paid upon
時給 付於其所 指定之受益 人 death of the insured to the beneficiaries named thereby, such
者，其金額不得作為被保險人 amount shall not be treated as part of the insured's estate.
之遺產。

第 113 條 Article 113

死亡 保險契約 未指定受益 人 Where no beneficiary has been designated in a life insurance
者，其保險金額作為被保險人 contract against death, the insured amount therein shall be treated as
遺產。 part of the insured's estate.

第 114 條 Article 114

受益人非經要保人之同意，或 A beneficiary may not assign its benefits to other persons unless the
保險契約載明允許轉讓者，不 proposer consents or the insurance contract expressly permits such
得將其利益轉讓他人。 assignment.

第 115 條 Article 115

利害關係人，均得代要保人交 Any interested party may pay the premium on behalf of the
付保險費。 proposer.

第 116 條 Article 116

人壽保險之保險費到期未交付 Unless otherwise stipulated in the contract, when a life insurance
者，除契約另有訂定外，經催 premium is due and unpaid, and remains unpaid upon thirty days
告到 達後屆三 十日仍不交 付 after receipt of notice of payment due, the validity of the insurance
時，保險契約之效力停止。 contract shall be suspended.
催告應送達於要保人，或負有 Notice of payment due shall be served to the most recent domicile
交付保險費義務之人之最後住 or residence of the proposer or of the person under obligation to pay

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所或居所，保險費經催告後， the premium. After notice of payment due has been served, the
應於保險人營業所交付之。 premium shall be paid at the business office of the insurer.
第一項停止效力之保險契約， A suspended insurance contract as referred to in paragraph 1 shall
於停止效力之日起六個月內清 be reinstated at zero hours on the morning of the day after the
償保險費、保險契約約定之利 premium, the interest stipulated in the insurance contract, and other
息及其他費用後，翌日上午零 expenses are paid, provided that such payment is made within six
時起，開始恢復其效力。要保 months from the date of suspension. Where the proposer applies for
人於停止效力之日起六個月後 reinstatement more than six months after the date of suspension, the
申請恢復效力者，保險人得於 insurer may, within five days from the date on which the proposer
要保人申請恢復效力之日起五 applies for reinstatement, require that the proposer furnish proof of
日內要求要保人提供被保險人 insurability for the insured, and the insurer may not refuse
之可保證明，除被保險人之危 reinstatement unless the insured's degree of risk has undergone a
險程度有重大變更已達拒絕承 change that is sufficiently material as to justify refusal to insure.
保外，保險人不得拒絕其恢復
效力。
保險人未於前項規定期限內要 Where the insurer does not require that the proposer furnish proof of
求要保人提供可保證明或於收 insurability within the time period set out in the preceding
到前項可保證明後十五日內不 paragraph, or it does not refuse reinstatement within 15 days from
為拒絕者，視為同意恢復效力。 its receipt of the proof of insurability referred to in the preceding
保險契約所定申請恢復效力之 paragraph, it shall be deemed to have consented to reinstatement.
期限，自停止效力之日起不得 The time period for applying for reinstatement stipulated in the
低於二年，並不得遲於保險期 insurance contract may not be less than two years from the date of
間之屆滿日。 suspension, nor may it extend beyond the expiration date of the
policy period.
保險人於前項所規定之期限屆 The insurer has the right to terminate the contract upon expiration of
滿後，有終止契約之權。 the time period set forth in the preceding paragraph.
保險契約終止時，保險費已付 Where the premium has been paid in full for two years or more at
足二年以上，如有保單價值準 the time the insurance contract is terminated, if there is any
備金者，保險人應返還其保單 non-forfeiture value, the insurer shall refund the non-forfeiture
價值準備金。 value.
保險契約約定由保險人墊繳保 Where the insurance contract stipulates that the insurer shall provide
險費者，於墊繳之本息超過保 premium loans, when the principal and interest of such a loan
單價值準備金時，其停止效力 exceeds the non-forfeiture value, suspension of the contract and
及恢復效力之申請準用第一項 application for reinstatement shall be subject mutatis mutandis to
至第六項規定。 the provisions of paragraph 1 to paragraph 6.

第 117 條 Article 117

保險人對於保險費，不得以訴 An insurer may not demand payment of premium by means of
訟請求交付。 litigation.
以被保險人終身為期，不附生 In regard to a whole life insurance contract against death which does
存條件之死亡保險契約，或契 not include benefits conditional upon survival, or a contract in
約訂定於若干年後給付保險金 which it is stipulated that the insured amount or annuity is to be paid
額或年金者，如保險費已付足 after a certain number of years, if premium has been paid in full for
二年以上而有不交付時，於前 two years or more at the time of nonpayment, after expiration of the
條第五項所定之期限屆滿後， time period set out in paragraph 5 of the preceding article, the
保險人僅得減少保險金額或年 insurer may only reduce the insured amount or the annuities.
金。

第 118 條 Article 118

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保險人依前條規定，或因要保 The insurer may, in accordance with the provisions of the preceding
人請求，得減少保險金額或年 Article or at the request of the proposer, reduce the insured amount
金。其條件及可減少之數額， or the annuities. The conditions for such a reduction and the
應載明於保險契約。 allowable amount thereof shall be specified in the insurance
contract.
減少保險金額或年金，應以訂 An insurance contract of the same kind, executed based on the
原約時之條件，訂立同類保險 conditions at the time the original contract was entered into, shall be
契約為計算標準。其減少後之 taken as the standard for calculating the reduction of the insured
金額，不得少於原契約終止時 amount or the annuities. The insured amount after reduction may
已有之保單價值準備金，減去 not be less than the amount obtainable if the non-forfeiture value
營業費用，而以之作為保險費 existing at the time the original contract is terminated, minus
一次交付所能得之金額。 business expenses, were paid as a lump-sum premium.
營業費用以原保險金額百分之 The said business expenses are limited to 1 percent of the originally
一為限。 insured amount.
保險金額之一部，係因其保險 If part of the insured amount has been determined on the basis of the
費全數一次交付而訂定者，不 premium thereof being paid in one lump sum, that part shall not be
因其他部分之分期交付保險費 affected by nonpayment of the premium on the remaining part that
之不交付而受影響。 is payable in installments.

第 119 條 Article 119

要保人終止保險契約，而保險 If a proposer terminates an insurance contract for which the
費已付足一年以上者，保險人 premium has been fully paid for one year or more, the insurer shall
應於接到通知後一個月內償付 pay the surrender value within one month from receipt of such
解約金；其金額不得少於要保 notice. The amount thereof may not be less than three-quarters of
人應得保單價值準備金之四分 the non-forfeiture value that the proposer is entitled to receive.
之三。
償付解約金之條件及金額，應 The conditions and amount for payment of surrender value shall be
載明於保險契約。 specified in the insurance contract.

第 120 條 Article 120

保險費付足一年以上者，要保 If premium has been fully paid for one year or more, the proposer
人得以保險契約為質，向保險 may obtain loans from the insurer by using the insurance contract as
人借款。 collateral.
保險人於接到要保人之借款通 Upon receipt of a proposer's loan notification, the insurer may,
知後 ，得於一 個月以內之 期 within a period of one month, lend such amount as may be
間，貸給可得質借之金額。 borrowed with the collateral.
以保險契約為質之借款，保險 For a loan secured by an insurance contract, by 30 days before the
人應於借款本息超過保單價值 date on which loan principal and interest exceeds non-forfeiture
準備金之日之三十日前，以書 value the insurer shall notify the proposer in writing to repay the
面通知要保人返還借款本息， loan principal and interest. If the proposer fails to make repayment
要保人未於該超過之日前返還 by said date, the insurance contract shall be suspended from the date
者，保險契約之效力自借款本 on which loan principal and interest exceeds non-forfeiture value.
息超過保單價值準備金之日停
止。
保險 人未依前 項規定為通 知 Where the insurer does not observe the requirements of the
時，於保險人以書面通知要保 preceding paragraph in making the notification referred to therein, if
人返還借款本息之日起三十日 the proposer fails to make repayment within 30 days from the date
內要保人未返還者，保險契約 on which the insurer notifies the proposer in writing to repay the
之效力自該三十日之次日起停 loan principal and interest, the insurance contract shall be suspended

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止。 from the day next following the thirtieth day.

前二項停止效力之保險契約， Application for reinstatement of an insurance contract suspended
其恢復效力之申請準用第一百 under either of the preceding two paragraphs shall be subject
十六條第三項至第六項規定。 mutatis mutandis to the provisions of Article 116, paragraphs 3 to 6.

第 121 條 Article 121

受益人故意致被保險人於死或 A beneficiary who willfully causes the death of the insured, or
雖未致死者，喪失其受益權。 attempts unsuccessfully to do so, shall lose the right to receive
benefits.
前項情形，如因該受益人喪失 If a beneficiary loses the right to receive benefits because of
受益權，而致無受益人受領保 circumstances set forth in the preceding paragraph, and as a result
險金額時，其保險金額作為被 there is no beneficiary to receive the insured amount, the insured
保險人遺產。 amount shall be treated as part of the insured's estate.
要保 人故意致 被保險人於 死 If a proposer willfully causes the death of the insured, the insurer is
者，保險人不負給付保險金額 not obligated to pay the insured amount. If the premium has been
之責 。保險費 付足二年以 上 fully paid for two years or more, the insurer shall pay the
者，保險人應將其保單價值準 non-forfeiture value to the person who is entitled to receive it. If
備金給付與應得之人，無應得 there is no person entitled to receive it, it shall be turned over to the
之人時，應解交國庫。 national treasury.

第 122 條 Article 122

被保險人年齡不實，而其真實 If the age of the insured has been misrepresented and the insured's
年齡已超過保險人所定保險年 actual age surpasses the limits on insurable age set by the insurer,
齡限度者，其契約無效。 the contract shall be void.
因被保險人年齡不實，致所付 If misrepresentation of the insured's age results in premium
之保險費少於應付數額者，保 payments that are lower than what they should be, the insured
險金額應按照所付之保險費與 amount shall be reduced pro rata on the basis of the premium paid
被保險人之真實年齡比例減少 and the actual age of the insured.
之。

第 123 條 Article 123

保險人破產時，受益人對於保 If an insurer becomes bankrupt, the amount a beneficiary may claim
險人 得請求之 保險金額之 債 against the insurer with respect to the insured amount is to be
權，以其保單價值準備金按訂 calculated pro rata according to the ratio of the non-forfeiture value
約時之保險費率比例計算之。 to the premium rate at the time the contract was entered into. If the
要保人破產時，保險契約訂有 proposer becomes bankrupt, insurance contracts in which the
受益人者，仍為受益人之利益 beneficiary has been specified shall remain valid for the benefit of
而存在。 the beneficiary.
投資型保險契約之投資資產， With respect to the invested assets of an investment-linked
非各該投資型保險之受益人不 insurance contract, persons other than the beneficiary may not lay
得主張，亦不得請求扣押或行 any claim thereto, nor shall they demand attachment or exercise any
使其他權利。 other rights.

第 124 條 Article 124

人壽 保險之要 保人 、被保 險 The proposer, insured, and beneficiary of life insurance have right
人、受益人，對於被保險人之 of preference for payment of the insured's non-forfeiture value.
保單價值準備金，有優先受償
之權。

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第二節 健康保險 Section 2. Health Insurance

第 125 條 Article 125

健康保險人於被保險人疾病、 A health insurer is obligated to pay the insured amount when the
分娩及其所致殘廢或死亡時， insured falls sick or gives birth, or becomes disabled or dies due to
負給付保險金額之責。 sickness or childbirth.

第 126 條 Article 126

保險人於訂立保險契約前，對 An insurer may, before entering into an insurance contract, require
於被保險人得施以健康檢查。 the insured to undergo a medical examination.
前項檢查費用，由保險人負擔。 The cost of the medical examination referred to in the preceding
paragraph is to be borne by the insurer.

第 127 條 Article 127

保險契約訂立時，被保險人已 If, at the time an insurance contract is entered into, the insured is
在疾病或妊娠情況中者，保險 already sick or pregnant, the insurer is not obligated to pay the
人對是項疾病或分娩，不負給 insured amount for the sickness or pregnancy.
付保險金額之責任。

第 128 條 Article 128

被保險人故意自殺或墮胎所致 The insurer is not obligated to pay the insured amount for sickness,
疾病、殘廢、流產或死亡，保 disability, miscarriage, or death resulting from suicide or abortion
險人不負給付保險金額之責。 that the insured has willfully committed.

第 129 條 Article 129

被保險人不與要保人為同一人 If the insured and proposer are not one and the same person, the
時，保險契約除載明第五十五 insurance contract, besides specifying the particulars provided in
條規定事項外，並應載明左列 Article 55, shall also specify the following particulars:
各款事項：
一、被保險人之姓名、年齡及 1. Name, age, and domicile of the insured.
住所。
二、被保險人與要保人之關係。 2. Relationship of the insured to the proposer.

第 130 條 Article 130

第一 百零二條 至第一百零 五 The provisions of Articles 102 to Article 105, Article 115, Article
條、第一百十五條、第一百十 116, Article 123, and Article 124 apply mutatis mutandis to health
六條、第一百二十三條及一百 insurance.
二十四條，於健康保險準用之。

第三節 傷害保險 Section 3. Personal Injury Insurance

第 131 條 Article 131

傷害保險人於被保險人遭受意 A personal accident insurer is obligated to pay the insured amount
外傷 害及其所 致殘廢或死 亡 when the insured suffers injury by accident, or becomes disabled or
時，負給付保險金額之責。 dies on account of such injury.
前項意外傷害，指非由疾病引 The term "injury by accident" as used in the preceding paragraph
起之外來突發事故所致者。 refers to physical harm caused by unforeseen external events other
than illness.

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第 132 條 Article 132

傷害保險契約，除記載第五十 A personal injury insurance contract, besides specifying the
五條規定事項外，並應載明左 particulars as provided in Article 55, shall also specify the following
列事項： particulars:
一、被保險人之姓名、年齡、 1. Name, age, and domicile of the insured and relationship of the
住所及與要保人之關係。 insured to the proposer.
二、受益人之姓名及與被保險 2. Names of the beneficiaries and their relation to the insured, or a
人之 關係或確 定受益人之 方 method for determining the beneficiaries.
法。
三、請求保險金額之事故及時 3. The events for which, and the period during which, the insured
期。 amount may be claimed.

第 133 條 Article 133

被保險人故意自殺，或因犯罪 If the insured willfully commits suicide, or is injured, becomes
行為，所致傷害、殘廢或死亡， disabled, or dies as the result of a criminal act, the insurer is not
保險人不負給付保險金額之責 obligated to pay the insured amount.
任。

第 134 條 Article 134

受益人故意傷害被保險人者， A beneficiary who willfully injures the insured is not entitled to
無請求保險金額之權。 claim the insured amount.
受益人故意傷害被保險人未遂 When a beneficiary willfully attempts to injure the insured but fails
時，被保險人得撤銷其受益權 to do so, the insured may revoke such beneficiary's right to receive
利。 benefits.

第 135 條 Article 135

第一 百零二條 至第一百零 五 The provisions of Articles 102 to Article 105, Article 107, Articles
條、第一百零七條、第一百十 110 to Article 116, Article 123, and Article 124 apply mutatis
條至第一百十六條、第一百二 mutandis to personal injury insurance.
十三條及第一百二十四條，於
傷害保險準用之。

第四節 年金保險 Section 4. Annuity Insurance

第 135-1 條 Article 135-1

年金保險人於被保險人生存期 An annuity insurer is liable to pay a fixed amount of money in a
間或特定期間內，依照契約負 lump sum or in installments during the life of the insured or during a
一次 或分期給 付一定金額 之 specified period of time in accordance with the contract.
責。

第 135-2 條 Article 135-2

年金保險契約，除記載第五十 An annuity insurance contract, in addition to specifying the
五條規定事項外，並應載明左 particulars provided in Article 55, shall also specify the following
列事項： particulars:
一、被保險人之姓名、性別、 1. Insured's name, sex, age, and domicile.
年齡及住所。
二、年金金額或確定年金金額 2. Amount of annuity or method for determining the amount of
之方法。 annuity.
三、受益人之姓名及與被保險 3. Names of beneficiaries, and their relationship to the insured.

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人之關係。
四、請求年金之期間、日期及 4. Term of annuity, dates and method of payment of annuity.
給付方法。
五、依第一百十八條規定，有 5. Conditions attaching to any reduction in the annuity amount
減少年金之條件者，其條件。 carried out in accordance with Article 118.

第 135-3 條 Article 135-3

受益人於被保險人生存期間為 During the lifetime of the insured, the beneficiary of annuity
被保險人本人。 insurance shall be the insured himself or herself.
保險契約載有於被保險人死亡 If an insurance contract provides for payment of annuity after death
後給付年金者，其受益人準用 of the insured, the provisions of Articles 110 to Article 113 apply
第一百十條至第一百十三條規 mutatis mutandis to the beneficiary.
定。

第 135-4 條 Article 135-4

第一 百零三條 、第一百零 四 The provisions of Article 103, Article 104, Article 106, and Articles
條、第一百零六條、第一百十 114 through Article 124 apply mutatis mutandis to annuity
四條至第一百二十四條規定， insurance. However, during the annuity payment period, the
於年金保險準用之。但於年金 proposer may not terminate the contract or pledge such contract to
給付期間，要保人不得終止契 the insurer as loan collateral.
約或以保險契約為質，向保險
人借款。

第五章 保險業 Chapter V. Insurance Enterprises

第一節 通則 Section 1. General Provisions

第 136 條 Article 136

保險業之組織，以股份有限公 Except with the approval of the competent authority, an insurance
司或合作社為限。但經主管機 enterprise may only be organized as a company limited by shares or
關核准者，不在此限。 as a cooperative.
非保險業不得兼營保險或類似 Business organizations other than insurance enterprises may not
保險之業務。 engage concurrently in the insurance business or a business similar
to insurance.
違反前項規定者，由主管機關 Where violations of the provisions in the preceding paragraph occur,
或目的事業主管機關會同司法 the competent authority or the authority with jurisdiction over the
警察機關取締，並移送法辦； line of business operated by the violator will act in conjunction with
如屬法人組織，其負責人對有 the judicial police authorities to suppress the illegal activity, and the
關債務，應負連帶清償責任。 case will be referred for prosecution. In the case of a legal entity, its
representatives shall be jointly and severally liable for its relevant
debts.
執行前項任務時，得依法搜索 When carrying out the tasks referred to in the preceding paragraph,
扣押被取締者之會計帳簿及文 the authorities may search and attach account books and documents
件，並得撤除其標誌等設施或 of the violators, remove signs and other fixtures, or take other
為其他必要之處置。 necessary actions in accordance with the law.
保險業之組織為股份有限公司 An insurance enterprise organized as a company limited by shares
者，除其他法律另有規定或經 shall issue its stock publicly unless another law provides otherwise
主管機關許可外，其股票應辦 or the competent authority has granted permission.

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理公開發行。

第 137 條 Article 137

保險業非經主管機關許可，並 An insurance enterprise may not commence operations unless it has
依法 為設立登 記 ，繳存保 證 received permission from the competent authority, completed
金，領得營業執照後，不得開 establishment registration, posted bond, and secured a business
始營業。 license in accordance with the law.
保險業申請設立許可應具備之 The eligibility conditions, business scope, documentation required
條件、程序、應檢附之文件、 in order to apply for approval and other compliance matters. with
發起人、董事、監察人與經理 respect to the conduct of personal injury insurance or health
人應具備之資格條件、廢止許 insurance business by non-life insurance enterprises in accordance
可、分支機構之設立、保險契 with the proviso of the preceding paragraph, shall be prescribed by
約轉讓、解散及其他應遵行事 the competent authority.
項之辦法，由主管機關定之。
外國 保險業非 經主管機關 許 A foreign insurance enterprise may not commence operations unless
可，並依法為設立登記，繳存 it has received permission from the competent authority, completed
保證金，領得營業執照後，不 establishment registration, posted bond, and secured a business
得開始營業。 license in accordance with the law.
外國保險業，除本法另有規定 Unless otherwise provided by this Act, the provisions of this Act
外，準用本法有關保險業之規 regarding insurance enterprises shall apply mutatis mutandis to
定。 foreign insurance enterprises.
外國保險業申請設立許可應具 With respect to applications by foreign insurance enterprises for
備之條件、程序、應檢附之文 establishment permits, the competent authority shall prescribe
件、廢止許可、營業執照核發、 regulations governing the following matters: eligibility conditions
增設分公司之條件、營業項目 and procedures for application; required documentation, revocation
變更、撤換負責人之情事、資 of permits, issuance of business licenses, conditions for the
金運用及其他應遵行事項之辦 establishment of branch offices, any change in line(s) of business,
法，由主管機關定之。 replacement of responsible person, funds allocations; and other
compliance matters.
依其他法律設立之保險業，除 With respect to an insurance enterprise established in accordance
各該法律另有規定外，準用本 with another act, the provisions of this Act pertaining to insurance
法有關保險業之規定。 enterprises shall apply mutatis mutandis except as otherwise
provided by the other act.

第 137-1 條 Article 137-1

保險業負責人應具備之資格， The necessary qualifications of the responsible persons of an
由主管機關定之。 insurance enterprise shall be prescribed by the competent authority.

第 138 條 Article 138

財產保險業經營財產保險，人 An insurance enterprise in the "non-life insurance" category shall
身保險業經營人身保險，同一 engage in the business of non-life insurance only, an insurance
保險業不得兼營財產保險及人 enterprise in the "insurance of the person" category shall engage in
身保險業務。但財產保險業經 the business of insurance of the person only, and the same insurance
主管機關核准經營傷害保險及 enterprise may not engage concurrently in non-life insurance and
健康保險者，不在此限。 insurance of the person, provided that this restriction does not apply
where a non-life insurance enterprise is approved by the competent
authority to engage in personal injury insurance or health insurance.
財產保險業依前項但書規定經 The eligibility conditions, business scope, documentation required
營傷害保險及健康保險業務應 in order to apply for approval and other compliance matters. with

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具備之條件、業務範圍、申請 respect to the conduct of personal injury insurance or health

核准應檢附之文件及其他應遵 insurance business by non-life insurance enterprises in accordance
行事項之辦法，由主管機關定 with the proviso of the preceding paragraph, shall be prescribed by
之。 the competent authority.
保險業不得兼營本法規定以外 An insurance enterprise may not engage concurrently in any
之業務。但經主管機關核准辦 business other than that prescribed by this Act. However, this
理其他與保險有關業務者，不 restriction does not apply where the competent authority has given
在此限。 its approval for an insurance enterprise to engage in other businesses
related to insurance.
保險業辦理前項與保險有關業 Where an insurance enterprise conducts another business related to
務，涉及外匯業務之經營者， insurance as provided for in the preceding paragraph, the permission
須經中央銀行之許可。 of the Central Bank shall first be obtained if the business involves
foreign exchange business.
保險合作社不得經營非社員之 An insurance cooperative may not engage in any insurance business
業務。 with any person who is not a member of the cooperative.

第 138-1 條 Article 138-1

財產保險業應承保住宅地震危 Non-life insurance enterprises shall underwrite residential
險，以主管機關建立之危險分 earthquake risk, and shall do so by means of the risk spreading
散機制為之。 mechanism established by the competent authority.
前項危險分散機制，應成立財 The Taiwan Residential Earthquake Insurance Fund shall be
團法人住宅地震保險基金負責 established to manage the risk spreading mechanism referred to in
管理，就超過財產保險業共保 the preceding paragraph. The portion of risk that exceeds the
承擔 限額部分 ，由該基金 承 co-insurance underwriting assumption limit for non-life insurance
擔、向國內、外為再保險、以 enterprises shall be assumed by the Taiwan Residential Earthquake
主管機關指定之方式為之或由 Insurance Fund, cede to domestic and/or foreign reinsurers, be
政府承受。 assumed by the manner prescribed by the competent authority or
assumed by the government.
前二項有關危險分散機制之承 With respect to the risk spreading mechanism under the preceding
擔限額、保險金額、保險費率、 two paragraphs, the competent authority shall prescribe regulations
各種準備金之提存及其他應遵 governing the risk assumption limits, insured amounts, insurance
行事項之辦法，由主管機關定 premium rates, provision for various reserve funds, and other
之。 compliance matters.
財團法人住宅地震保險基金之 The competent authority shall prescribe regulations governing the
捐助章程、業務範圍、資金運 Taiwan Residential Earthquake Insurance Fund's articles of
用及其他管理事項之辦法，由 incorporation, business scope, funds allocations, and other
主管機關定之。 administrative matters.
因發生重大震災，致住宅地震 When the occurrence of a major earthquake results in payable
保險基金累積之金額不足支付 claims that exceed the amount of funds accumulated in the Taiwan
應攤付之賠款，為保障被保險 Residential Earthquake Insurance Fund, in order to safeguard the
人之權益，必要時，該基金得 interests of insured the Fund may as necessary request the
請求主管機關會同財政部報請 competent authority and the Ministry of Finance to jointly apply for
行政院核定後，由國庫提供擔 Exe cutiveYua n’sa p provalofc ollat
e ralpr ovide db
yt hena tional
保，以取得必要之資金來源。 treasury to obtain the necessary source of funding.

第 138-2 條 Article 138-2

保險業經營人身保險業務，保 An insurance enterprise engaging in insurance of the person may
險契約得約定保險金一次或分 stipulate an insurance contract that policy proceeds be paid either in
期給付。 a lump sum or in installments.

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人身保險契約中屬死亡或殘廢 With respect to the portion of policy proceeds in a contract for

之保險金部分,要保人於保險 insurance of the person that are for death or disablement, the
事故發生前得預先洽訂信託契 proposer may, prior to occurrence of an insured peril, negotiate a
約，由保險業擔任該保險信託 trust contract whereunder the insurance enterprise acts as trustee of
之受託人，其中要保人與被保 the insurance trust. Such an arrangement may only be made where a
險人應為同一人，該信託契約 single person is both proposer and insured, where the beneficiaries
之受益人並應為保險契約之受 of the trust contract are also the beneficiaries of the insurance
益人，且以被保險人、未成年 contract, and where the arrangement is for the benefit of an insured
人、心神喪失或精神耗弱之人 or a person who is a minor, mentally impaired, or of diminished
為限。 mental capacity.
前項信託給付屬本金部分，視 With respect to trust benefits paid out pursuant to the preceding
為保險給付。 paragraph, that part which constitutes trust principal shall be
保險業辦理保險金信託業務應 deemed insurance benefits.
設置信託專戶，並以信託財產 An insurance enterprise providing insurance trust services shall set
名義表彰。 up segregated trust accounts named as trust asset accounts.
前項信託財產為應登記之財產 Where the trust assets of the preceding paragraph are subject to a
者，應依有關規定為信託登記。 registration requirement, registration of trust shall be carried out in
accordance with the applicable provisions.
第四 項信託財 產為有價證 券 Where the trust assets of paragraph 4 are securities, when the
者，保險業設置信託專戶，並 insurance enterprise sets up a segregated trust account named as a
以信託財產名義表彰；其以信 trust asset account and engages in a transaction involving the trust
託財產為交易行為時，得對抗 assets, the trust shall be effective against third parties, and Article 4,
第三人，不適用信託法第四條 paragraph 2 of the Trust Act does not apply.
第二項規定。
保險業辦理保險金信託，其資 The scope of funds allocations of an insurance enterprise operating
金運用範圍以下列為限： insurance trusts shall be limited to the following:
一、現金或銀行存款。 1. Cash or bank deposits.
二、公債或金融債券。 2. Government bonds or financial bonds.
三、短期票券。 3. Short-term bills.
四、其他經主管機關核准之資 4. Other methods of funds allocation as approved by the competent
金運用方式。 authority.

第 138-3 條 Article 138-3

保險業經營保險金信託業務， An insurance enterprise shall obtain permission from the competent
應經主管機關許可，其營業及 authority to provide insurance trust services, which must have
會計必須獨立。 independent operations and accounting.
保險業為擔保其因違反受託人 An insurance enterprise shall set aside a compensation reserve fund
義務而對委託人或受益人所負 to secure the performance of indemnities, giving back profits, or
之損害賠償、利益返還或其他 other obligations to bailors at violation of its duties as trustee.
責任，應提存賠償準備。
保險業申請許可經營保險金信 With respect to applications by insurance enterprises for permission
託業務應具備之條件、應檢附 to provide insurance trust services, the competent authority shall
之文件、廢止許可、應提存賠 prescribe regulations governing the following matters: eligibility
償準備額度、提存方式及其他 conditions; required documentation; conditions for the revocation of
應遵行事項之辦法，由主管機 permits; amount defined for the compensation reserve fund, and the
關定之。 way of depositing; and other compliance matters.

第 139 條 Article 139

各種保險業資本或基金之最低 The minimum capital or fund for each of the various kinds of

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額，由主管機關，審酌各地經 insurance enterprises will be approved separately by the Executive

濟實況，及各種保險業務之需 Yuan, acting upon the recommendation of the competent authority,
要，分別呈請行政院核定之。 which shall take into consideration the economic conditions in each
locality and the needs of each kind of insurance business.

第 140 條 Article 140

保險公司得簽訂參加保單紅利 An insurance company may enter into an insurance contract that
之保險契約。 includes participation in policy dividends.
保險合作社簽訂之保險契約， An insurance cooperative shall enter only into insurance contracts
以參加保單紅利者為限。 that include participation in policy dividends.
前二項保單紅利之計算基礎及 The basis and method of calculating the policy dividends in the
方法，應於保險契約中明訂之。 preceding two paragraphs shall be expressly provided in the
insurance contract.

第 141 條 Article 141

保險業應按資本或基金實收總 An insurance enterprise shall post bond at the national treasury in an
額百分之十五，繳存保證金於 amount equal to 15 percent of the total amount of its paid-in capital
國庫。 or paid-in fund.

第 142 條 Article 142

保證金之繳存應以現金為之。 The bond shall be posted in cash. However, upon approval of the
但經主管機關之核准，得以公 competent authority, government bonds or notes may be posted
債或庫券代繳之。 instead.
前項繳存保證金非俟宣告停業 The bond posted as provided in the preceding paragraph is not to be
依法完成清算，不予發還。 returned until suspension of business has been declared and
liquidation has been completed pursuant to the law.
以有價證券抵繳保證金者，其 Where marketable securities are used to post bond, when cessation
息票部份，在宣告停業依法清 of business has been declared and liquidation is duly performed, the
算時，得准移充清算費用。 interest coupon attached thereto may be used to offset liquidation
expenses.

第 143 條 Article 143

保險業不得向外借款、為保證 An insurance enterprise may not borrow funds from an outside
人或以其財產提供為他人債務 party, act as guarantor for an outside party, or provide its assets as
之擔保。但保險業有下列情形 collateral for the debt of another; provided, that this restriction does
之一，報經主管機關核准向外 not apply where any one of the following circumstances obtains
借款者，不在此限： with respect to the insurance enterprise and the enterprise reports to
and obtains the approval of the competent authority to borrow funds
from an outside party:
一、為給付鉅額保險金、大量 1. The borrowing is to meet cash flow needs arising from payment
解約或大量保單貸款之週轉需 of major benefits, a large amount of policy surrenders, or a large
要。 amount of policy loans.
二、因合併或承受經營不善同 2. The borrowing is needed for a merger or for assumption of the
業之有效契約。 in-force contracts of a troubled insurer.
三、為強化財務結構，發行具 3. The borrowing is done by issuing bonds with capital
有資本性質之債券。 characteristics, for the purpose of strengthening financial structure.

第 143-1 條 Article 143-1

為保障被保險人之基本權益， In order to preserve the insured's basic interests and to maintain

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並維護金融之安定，財產保險 financial stability, enterprises engaged in non-life insurance and

業及人身保險業應分別提撥資 insurance of the person shall make contributions to set up separate
金，設置財團法人安定基金。 stabilization funds as incorporated foundations.
財團法人安定基金之組織及管 Regulations governing the organization, administration, and other
理等事項之辦法，由主管機關 matters of the incorporated stabilization fund foundations shall be
定之。 prescribed by the competent authority.
安定基金由各保險業者提撥； The stabilization funds shall be supported by contributions from
其提撥比率，由主管機關審酌 each insurance enterprise. The contribution rate of each enterprise
經濟、金融發展情形及保險業 shall be determined by the competent authority, taking into
承擔能力定之，並不得低於各 consideration the condition of the economy, the state of
保險業者總保險費收入之千分 development of the financial industry, and the ability of insurance
之一。 enterprises to pay, and may not be lower for any given insurance
enterprise than 1/1000th of gross premium income.
安定基金累積之金額不足保障 When the amount of funds accumulated in a stabilization fund is
被保險人權益，且有嚴重危及 insufficient to safeguard the interests of insured parties and there is
金融安定之虞時，得報經主管 a likelihood of serious threat to financial stability, the fund may
機關同意，向金融機構借款。 report to the competent authority for permission to borrow funds
from the financial institutions.

第 143-2 條 Article 143-2

（刪除） (Deleted)

第 143-3 條 Article 143-3

安定基金辦理之事項如下： The stabilization funds shall handle the following matters:
一、對經營困難保險業之貸款。 1. Extend loans to insurance enterprises experiencing business
二、保險業因與經營不善同業 difficulties.
進行合併或承受其契約，致遭 2. A stabilization fund may provide low-interest loans or subsidies
受損失時，安定基金得予以低 to insurance enterprises that incur loss by merging with troubled
利貸款或補助。 insurance enterprises or assuming their contracts.
三、保險業依第一百四十九條 3. When, in accordance with the provisions of Article 149,
第四項規定被接管、勒令停業 paragraph 4, an insurance enterprise is placed into receivership,
清理或命令解散，或經接管人 ordered to suspend business and undergo rehabilitation, or ordered
依第一百四十九條之二第三項 to dissolve, or when a receiver applies to a court for reorganization
規定向法院聲請重整時，安定 in accordance with the provisions of Article 149-2, paragraph 3, the
基金於必要時應代該保險業墊 appropriate stabilization fund shall, as necessary, advance funds on
付要保人、被保險人及受益人 behalf of the insurance enterprise to settle claims which proposers,
依有效契約所得為之請求，並 insured parties, and beneficiaries are entitled to make under in-force
就其墊付金額取得並行使該要 contracts, and with respect to the amount thus advanced shall
保人、被保險人及受益人對該 succeed to and exercise the rights of claim of those proposers,
保險業之請求權。 insured parties, and beneficiaries against the insurance enterprise.
四、保險業依本法規定進行重 4. In order to safeguard the interests of insured parties and help
整時，為保障被保險人權益， expedite reorganization proceedings, when an insurance enterprise
協助重整程序之迅速進行，要 undergoes reorganization in accordance with the provisions of this
保人、被保險人及受益人除提 Act, proposers, insured parties, and beneficiaries shall, unless they
出書面反對意見者外，視為同 object in writing, be deemed to have granted consent for the
意安定基金代理其出席關係人 stabilization fund to act as their agent in attending meetings of
會議及行使重整相關權利。安 related parties and exercising rights related to the reorganization.
定基金執行代理行為之程序及 The stabilization funds shall adopt procedures for actions they take
其他應遵行事項，由安定基金 when serving as agent, as well as other compliance matters, and

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訂定，報請主管機關備查。 shall file them with the competent authority for recordation.
五、受主管機關委託擔任接管 5. Act as receiver, rehabilitator, or liquidator upon appointment by
人、清理人或清算人職務。 the competent authority.
六、經主管機關核可承接不具 6. Assume, upon approval by the competent authority, the insurance
清償 能力保險 公司之保險 契 contracts of insolvent insurance companies.
約。
七、其他為安定保險市場或保 7. Undertake other matters, as approved by the competent authority,
障被保險人之權益，經主管機 to stabilize the insurance market or safeguard the interests of insured
關核定之事項。 parties.
安定基金辦理前項第一款至第 The stabilization funds shall adopt rules governing the timing,
三款及第七款事項，其資金動 scope, and dollar amount of their drawdown of funds to handle the
用時點、範圍及限額，由安定 matters set out in subparagraphs 1 to 3 and subparagraph 7 of the
基金擬訂，報請主管機關核定。 preceding paragraph, and shall file them with the competent
保險業與經營不善同業進行合 authority for approval.
併或承受其契約致遭受損失， Where an insurance enterprise applies to a stabilization fund in
依第一項第二款規定申請安定 accordance with paragraph 1, subparagraph 2 for subsidization of
基金補助者，其金額不得超過 losses incurred upon merging with a troubled insurer or assuming
安定基金依同項第三款規定墊 such an insurer's contracts, the dollar amount may not exceed the
付之總額。 total amount of funds advanced by the stabilization fund pursuant to
subparagraph 3 of the same paragraph.

第 143-4 條 Article 143-4

保險業自有資本與風險資本之 An insurance enterprise's ratio of total adjusted net capital to
比率，不得低於百分之二百； risk-based capital may not be lower than 200%. Where necessary,
必要時，主管機關得參照國際 the competent authority may adjust the ratio according to
標準調整比率。 international standards.
保險業自有資本與風險資本之 An insurance enterprise with a ratio of total adjusted net capital to
比率未達前項規定之比率者， risk-based capital below the ratio set out in the preceding paragraph
不得分配盈餘，主管機關並得 may not distribute earnings, and the competent authority may,
視其情節輕重為其他必要之處 according to the severity of the circumstances, adopt other necessary
置或限制。 actions or restrictions.
前二項所定自有資本與風險資 With regard to total adjusted net capital and risk-based capital as
本之範圍、計算方法、管理、 referred to in the preceding two paragraphs, the competent authority
必要處置或限制之方式及其他 shall prescribe regulations governing the following matters: their
應遵行事項之辦法，由主管機 scope; the method for calculating their amounts; administration
關定之。 thereof; the methods for adopting necessary actions or restrictions;
and other compliance matters.

第 144 條 Article 144

保險業之各種保險單條款、保 With respect to the policy provisions, premiums, and other relevant
險費及其他相關資料，由主管 content for a given type of insurance policy, the competent authority
機關視各種保險之發展狀況， shall prescribe regulations governing the following matters, taking
分別 規定銷售 前應採行之 程 into account the state of development of that type of insurance:
序、審核及內容有錯誤、不實 procedures to be carried out before a policy is marketed; product
或違反規定之處置等事項之準 review; and the actions to be taken when the content of a policy is
則。 incorrect, false, or in violation of the law.
為健全保險業務之經營，保險 In order to ensure sound operation of its insurance business, an
業應聘用精算人員並指派其中 insurance enterprise shall employ actuaries and appoint one of them
一人為簽證精算人員，負責保 as appointed actuary, who shall be responsible for setting premium

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險費率之釐訂、各種準備金之 rates, certifying various reserve , and handling other matters

核算簽證及辦理其他經主管機 specified by the competent authority. Regulations governing
關指定之事項；其資格條件、 qualification requirements, items to be certified, education and
簽證內容、教育訓練、懲處及 training, penalties, and other compliance matters shall be prescribed
其他應遵行事項之辦法，由主 by the competent authority.
管機關定之。
前項簽證精算人員之指派應經 Appointment of the appointed actuary shall be subject to the consent
董（理）事會同意，並報主管 of the board of directors and shall be filed to the competent
機關備查。 authority.
簽證精算人員應本公正及公平 The appointed actuary shall, in accordance with the principles of
原則向其所屬保險業之董（理） impartiality and fairness, provide various certified reports to the
事會及主管機關提供各項簽證 board of directors, as well as to the competent authority. Where a
報告 ；其簽證 報告內容有 虛 report that he or she has certified has any misrepresentation,
偽、隱匿、遺漏或錯誤情事者， concealment, omission, or incorrect information, the competent
主管機關得視其情節輕重為警 authority may, according to the severity of the circumstances, issue
告、停止於一年以內期間簽證 a warning, suspend the actuary from providing certification for a
或廢止其簽證精算人員資格。 period of up to one year, or revoke appointment.

第 144-1 條 Article 144-1

有下列情形之一者，保險業得 Insurance enterprises may underwrite insurance by way of
以共保方式承保： co-insurance under the following circumstances:
一、有關巨災損失之保險者。 1. When insuring against catastrophic loss.
二、配合政府政策需要者。 2. When coordinating with government policy.
三、基於公共利益之考量者。 3. When seeking to further the public interest.
四、能有效提昇對投保大眾之 4. When seeking to effectively enhance services to the
服務者。 insurance-buying public.
五、其他經主管機關核准者。 5. When seeking to accomplish other objectives approved by the
competent authority.

第 145 條 Article 145

保險業於營業年度屆滿時，應 At the end of each business year, an insurance enterprise shall
分別保險種類，計算其應提存 calculate the reserves for each type of insurance, and shall record
之各種準備金，記載於特設之 such reserves in special account books.
帳簿。
前項所稱各種準備金之提存比 The competent authority shall prescribe regulations governing the
率、計算方式及其他應遵行事 reserving, calculation methods, and other compliance matters for the
項之辦法，由主管機關定之。 various reserves referred to in the preceding paragraph.

第 145-1 條 Article 145-1

保險業於完納一切稅捐後，分 After paying all taxes, an insurance enterprise preparing to distribute
派盈餘時，應先提百分之二十 earnings shall first set aside 20 percent to legal capital reserves;
為法定盈餘公積。但法定盈餘 provided, that this requirement does not apply where legal capital
公積，已達其資本總額或基金 reserves are already equal to the enterprise's authorized capital or
總額時，不在此限。 authorized fund.
保險業得以章程規定或經股東 An insurance enterprise may additionally set aside special capital
會或社員大會決議，另提特別 reserve in accordance with the provisions of its articles of
盈餘 公積 。主 管機關於必 要 incorporation or a resolution of a shareholders meeting or general
時，亦得命其提列。 assembly of cooperative members. The competent authority may as
第一項規定，自本法中華民國 necessary order an insurance enterprise to set aside such reserve.

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九十六年六月十四日修正之條 The provisions of paragraph 1 shall enter into force from the next
文生效之次一會計年度施行。 fiscal year after the provisions of this Act amended on [DATE] take
effect.

第 146 條 Article 146

保險 業資金之 運用 ，除存 款 Except for savings deposits, the funds allocations of an insurance
外，以下列各款為限： enterprise shall be limited to the following:
一、有價證券。 1. Securities.
二、不動產。 2. Real estate.
三、放款。 3. Loans.
四、辦理經主管機關核准之專 4. Allocation of funds to special projects and investments in public
案運用、公共及社會福利事業 utilities and social welfare enterprises, with the approval of the
投資。 competent authority.
五、國外投資。 5. Foreign investments.
六、投資保險相關事業。 6. Investments in insurance-related businesses.
七、從事衍生性商品交易。 7. Derivatives trading.
八、其他經主管機關核准之資 8. Other funds allocations as approved by the competent authority.
金運用。
前項所定資金，包括業主權益 The term "funds" in the preceding paragraph includes owner's
及各種準備金。 equity and various reserve funds.
第一項所定存款，其存放於每 The savings of paragraph 1 deposited in any single financial
一金融機構之金額，不得超過 institution may not, unless approved by the competent authority,
該保險業資金百分之十。但經 exceed 10 percent of the insurance enterprise's funds; provided, this
主管機關核准者，不在此限。 restriction does not apply where the competent authority has granted
approval.
第一項第六款所稱保險相關事 "Insurance-related businesses" in paragraph 1, subparagraph 6
業，指保險、金融控股、銀行、 means the businesses of insurance, financial holding, banking, bills,
票券、信託、信用卡、融資性 trust, credit card, finance leasing, securities, futures, securities
租賃、證券、期貨、證券投資 investment trust, and securities investment consulting enterprises, as
信託、證券投資顧問事業及其 well as other insurance-related businesses as recognized by the
他經主管機關認定之保險相關 competent authority.
事業。
保險業經營投資型保險業務、 An insurance enterprise that engages in investment-linked insurance
勞工退休金年金保險業務應專 business or labor pension annuity insurance business shall set up a
設帳簿，記載其投資資產之價 separate account to record the value of the assets in which it invests.
值。
投資型保險業務專設帳簿之管 The competent authority shall prescribe regulations governing
理、保存、投資資產之運用及 administration and custody of separate account, allocation of
其他應遵行事項之辦法，由主 investment assets, and other compliance matters pertaining to
管機關定之，不受第一項、第 investment-linked insurance business, which are not subject to the
三項、第一百四十六條之一、 restrictions set forth in paragraph 1; paragraph 3; Article 146-1;
第一百四十六條之二、第一百 Article 146-2; Article 146-4; Article 146-5; and Article 146-7.
四十六條之四、第一百四十六
條之五及第一百四十六條之七
規定之限制。
依第五項規定應專設帳簿之資 With respect to assets for which a separate account is required under
產，如要保人以保險契約委任 paragraph 5, if a proposer retains an insurance enterprise by means
保險業全權決定運用標的，且 of an insurance contract to exercise discretionary allocation of the
將該資產運用於證券交易法第 assets and those assets are allocated to the purchase of the securities

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六條規定之有價證券者，應依 defined in Article 6 of the Securities and Exchange Act, application

證券投資信託及顧問法申請兼 for concurrent operation of discretionary investment services shall
營全權委託投資業務。 be made in accordance with the Securities Investment Trust and
Consulting Act.
保險業依第一項第七款規定從 With respect to the derivatives trading of paragraph 1, subparagraph
事衍生性商品交易之條件、交 7, the competent authority shall prescribe regulations governing the
易範圍、交易限額、內部處理 terms and conditions of such trading, the scope thereof, transaction
程序 及其他應 遵行事項之 辦 limits, internal handling procedures, and other compliance matters.
法，由主管機關定之。

第 146-1 條 Article 146-1

保險業資金得購買下列有價證 The funds of an insurance enterprise may be used to purchase the
券： following marketable securities:
一、公債、國庫券。 1. Government bonds and treasury bills.
二、金融債券、可轉讓定期存 2. Financial bonds, negotiable certificates of deposit, banker's
單、銀行承兌匯票、金融機構 acceptances, and commercial promissory notes guaranteed by a
保證商業本票；其總額不得超 financial institution, the aggregate amount of which may not exceed
過該 保險業資 金百分之三 十 35 percent of the funds of the insurance enterprise.
五。
三、經依法核准公開發行之公 3. Publicly issued corporate stocks approved in accordance with the
司股票；其購買每一公司之股 law, provided that the aggregate amount of corporate stocks in any
票總額，不得超過該保險業資 one company may not exceed 5 percent of the funds of the insurance
金百分之五及該發行股票之公 enterprise, and the aggregate amount of the stocks in any one
司實收資本額百分之十。 company in which an insurance enterprise invests may not exceed
四、經依法核准公開發行之有 10 percent of the paid-in capital of the company issuing the stocks.
擔保公司債，或經評等機構評 4. Publicly issued guaranteed corporate bonds or corporate bonds
定為相當等級以上之公司所發 issued by a company rated by a rating agency at no lower than a
行之公司債；其購買每一公司 specified rating and approved in accordance with the law, provided
之公司債總額，不得超過該保 that the aggregate amount made by an insurance enterprise in such
險業資金百分之五及該發行公 corporate bonds may not exceed 5 percent of the funds of the
司債之公司實收資本額百分之 insurance enterprise, and the aggregate amount of bonds from any
十。 one company may not exceed 10 percent of the paid-in capital of the
company issuing the corporate bonds.
五、經依法核准公開發行之證 5. Beneficial interest certificates for securities investment trust
券投資信託基金及共同信託基 funds and mutual trust funds for which public issue has been duly
金受益憑證；其投資總額不得 approved. The aggregate amount of such investment made by an
超過該保險業資金百分之十及 insurance enterprise may not exceed 10 percent of the funds of the
每一基金已發行之受益憑證總 insurance enterprise, and an insurance enterprise may not invest in
額百分之十。 more than 10 percent of the aggregate amount of the beneficial
interest certificates issued by any fund.
六、證券化商品及其他經主管 6. Securitization products and other marketable securities that the
機關核准保險業購買之有價證 competent authority has granted approval for insurance enterprises
券；其總額不得超過該保險業 to purchase, the aggregate amount of which may not exceed 10
資金百分之十。 percent of the funds of the insurance enterprise.
前項第三款及第四款之投資總 The aggregate amount of the investments contemplated under
額，合計不得超過該保險業資 subparagraphs 3 and 4 of the preceding paragraph may not exceed
金百分之三十五。 35 percent of the funds of the insurance enterprise.
保險業依第一項第三款投資， It is prohibited for any of the following circumstances to obtain with
不得有下列情事之一： respect to an investment made by an insurance enterprise in

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accordance with paragraph 1, subparagraph 3:

一、以保險業或其代表人擔任 1. For the insurance enterprise or a representative thereof to be a
被投資公司董事、監察人。 director or supervisor of the investee company.
二、行使表決權支持其關係人 2. For the insurance enterprise to exercise voting rights in support of
或關係人之董事、監察人、職 a related party, or a director, supervisor, or employee of a related
員擔任被投資金融機構董事、 party, becoming a director or supervisor of the investee financial
監察人。 institution.
三、指派人員獲聘為被投資公 3. For a person dispatched by the insurance enterprise to be hired as
司經理人。 a manager of the investee company.
保險業依第一項第三款至第六 With respect to investments by an insurance enterprise pursuant to
款規定投資於公開發行之未上 paragraph 1, subparagraphs 3 to 6 in publicly issued securities not
市、未上櫃有價證券、私募之 listed on an exchange or OTC market, or in privately placed
有價證券；其應具備之條件、 securities, the competent authority shall prescribe regulations
投資範圍、內容、投資規範及 governing eligibility conditions, scope and type of investments,
其他應遵行事項之辦法，由主 investment rules, and other compliance matters.
管機關定之。

第 146-2 條 Article 146-2

保險業對不動產之投資，以所 Investments in real estate by an insurance enterprise shall be limited
投資不動產即時利用並有收益 to real estate that can be used immediately and from which benefit
者為限；其投資總額，除自用 may be derived. The total amount of such investments, apart from
不動產外，不得超過其資金百 real estate held for an insurance enterprise's own use, may not
分之三十。但購買自用不動產 exceed 30 percent of an insurance enterprise's funds. In the case of
總額不得超過其業主權益之總 real estate purchased for self-use, the total amount invested in by an
額。 insurance enterprise may not exceed the total amount of its owner's
equity.
保險業不動產之取得及處分， The acquisition and disposal of real estate by an insurance enterprise
應經合法之不動產鑑價機構評 shall be evaluated by a legally established real estate appraisal
價。 organization.

第 146-3 條 Article 146-3

保險業辦理放款，以下列各款 Loans made by an insurance enterprise shall be limited to the
為限： following items:
一、銀行或主管機關認可之信 1. Loans guaranteed by a bank, or by a credit guarantee institution
用保證機構提供保證之放款。 recognized by the competent authority.
二、以動產或不動產為擔保之 2. Loans secured by personal property or real property.
放款。
三、以合於第一百四十六條之 3. Loans secured by qualified securities as defined in Article 146-1.
一之有價證券為質之放款。
四、人壽保險業以各該保險業 4. For life insurance enterprises, loans secured by life insurance
所簽發之人壽保險單為質之放 policies issued by said life insurance business.
款。
前項第一款至第三款放款，每 For loans made pursuant to subparagraphs 1 to 3 of the preceding
一單位放款金額不得超過該保 paragraph, the amount loaned to each borrower may not exceed 5
險業資金百分之五；其放款總 percent of an insurance enterprise's funds, and the total amount of
額，不得超過該保險業資金百 all loans shall not exceed 35 percent of an insurance enterprise's
分之三十五。 funds.
保險業依第一項第一款、第二 Where an insurance enterprise provides a secured loan pursuant to
款及第三款對其負責人、職員 paragraph 1, subparagraphs 1, 2, or 3 to one of its responsible

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或主要股東，或對與其負責人 persons, employees, major shareholders, or to a person having an

或辦理授信之職員有利害關係 interested party relationship with one of its responsible persons or
者，所為之擔保放款，應有十 with an employee in charge of administering the loan, the loan shall
足擔保，其條件不得優於其他 be fully secured, and the conditions may not be better than those
同類放款對象，如放款達主管 extended to other loanees of the same class. A loan that is equal to
機關規定金額以上者，並應經 or more than the dollar amount specified by the competent authority
三分之二以上董事之出席及出 shall also be approved by three-fourths of the directors present at a
席董事四分之三以上同意；其 board of directors meeting attended by at least two-thirds of the
利害關係人之範圍、限額、放 directors. The competent authority shall prescribe regulations
款總餘額及其他應遵行事項之 governing the definition of interested parties, loan limits and
辦法，由主管機關定之。 aggregate loan balances, and other compliance matters.
保險業依第一百四十六條之一 The combined total amount of (i) an insurance enterprise's
第一項第三款及第四款對每一 investment in corporate stocks and corporate bonds of a given
公司股票及公司債之投資與依 company in accordance with Article 146-1, paragraph 1,
第一項第三款以該公司發行之 subparagraphs 3 and 4, and (ii) loans made in accordance with
股票及公司債為質之放款，合 paragraph 1, subparagraph 3 that are secured by corporate stocks
併計算不得超過其資金百分之 and corporate bonds issued by that same company, shall exceed
十與該發行股票及公司債之公 neither 10 percent of the insurance enterprise's funds nor 10 percent
司實收資本額百分之十。 of the paid-in capital of the company issuing the stocks and
corporate bonds.

第 146-4 條 Article 146-4

保險業資金辦理國外投資，以 Foreign investments of insurance enterprise funds shall be limited to
下列各款為限： the following:
一、外匯存款。 1. Foreign currency deposits.
二、國外有價證券。 2. Foreign securities.
三、 設立或投 資國外保險 公 3. Establishment of or investment in a foreign insurance company,
司、保險代理人公司、保險經 insurance agent company, insurance broker company, or other
紀人公司或其他經主管機關核 insurance-related enterprise approved by the competent authority.
准之保險相關事業。
四、其他經主管機關核准之國 4. Such other foreign investments as may be approved by the
外投資。 competent authority.
保險業資金依前項規定辦理國 The competent authority shall set limits on the aggregate dollar
外投資總額，由主管機關視各 amount of foreign investments of insurance enterprise funds based
保險業之經營情況核定之，最 on the state of the business of each individual insurance enterprise.
高不得超過各該保險業資金百 At maximum, such investments may not exceed 45 percent of the
分之四十五。 funds of any individual insurance enterprise.
保險業資金辦理國外投資之投 The competent authority shall prescribe regulations setting forth
資規範、投資額度、審核及其 investment rules, investment limits, review procedures, and other
他應遵行事項之辦法，由主管 compliance matters pertaining to foreign investments of insurance
機關定之。 enterprise funds.

第 146-5 條 Article 146-5

保險業資金辦理專案運用、公 Application shall be made to the competent authority for approval of
共及社會福利事業投資應申請 allocations of insurance enterprise funds to special projects and
主管機關核准；其申請核准應 investments in public utilities and social welfare enterprises. With
具備之文件、程序、運用或投 respect to applications for approval, the competent authority shall
資之範圍、限額及其他應遵行 prescribe regulations governing required documentation,
事項之辦法，由主管機關定之。 procedures, scope of and limits upon allocations and investments,

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and other compliance matters.

前項資金運用方式為投資公司 Where the funds referred to in the preceding paragraph are allocated
股票時，準用第一百四十六條 to investment in corporate stocks, the provisions of Article 146-1,
之一第三項規定；其投資之條 paragraph 3 shall apply mutatis mutandis. The conditions and
件及比率，不受第一百四十六 percentages related thereto shall not be subject to the restrictions set
條之一第一項第三款規定之限 forth in Article 146-1, paragraph 1, subparagraph 3.
制。

第 146-6 條 Article 146-6

保險業業主權益，超過第一百 When the owner's equity of an insurance enterprise exceeds the
三十九條規定最低資本或基金 minimum capital or the minimum fund provided for in Article 139,
最低 額者 ，得 經主管機關 核 it may, with the approval of the competent authority, invest in
准，投資保險相關事業所發行 shares issued by insurance-related enterprises without being subject
之股票，不受第一百四十六條 to Article 146-1, paragraph 1, subparagraph 3, or to paragraph 3 of
之一第一項第三款及第三項規 that same article. The aggregate dollar amount of such investments
定之限制；其投資總額，最高 may not exceed the owner's equity of the insurance enterprise.
不得超過該保險業業主權益。
保險業依前項規定投資而與被 Where an insurance enterprise makes an investment in accordance
投資公司具有控制與從屬關係 with the provisions of the preceding paragraph and it has a
者，其投資總額，最高不得超 relationship of control or subordination with the investee company,
過該保險業業主權益百分之四 the total dollar amount of the investment may not exceed 40 percent
十。 of the owner's equity of the insurance enterprise.
保險業依第一項規定投資保險 With respect to insurance enterprise investments in
相關事業，其控制與從屬關係 insurance-related enterprises made in accordance with the
之範圍、投資申報方式及其他 provisions of paragraph 1, the competent authority shall prescribe
應遵行事項之辦法，由主管機 regulations defining the scope of relationships of control or
關定之。 subordination, the method of reporting investments, and other
compliance matters.

第 146-7 條 Article 146-7

主管 機關對於 保險業就同 一 The competent authority may limit the ability of insurance
人、同一關係人或同一關係企 enterprises to make loans to, or engage in other transactions with, a
業之 放款或其 他交易得予 限 single party, a single related party, or a single related enterprise. The
制；其限額、其他交易之範圍 competent authority shall prescribe regulations to set such limits,
及其他應遵行事項之辦法，由 define the scope of "other transactions," and set out other
主管機關定之。 compliance matters.
前項所稱同一人，指同一自然 The term "a single party" in the preceding paragraph means a single
人或同一法人；同一關係人之 natural person or a single juristic person. The scope of a "single
範圍，包含本人、配偶、二親 related party" includes the principal, his/her spouse, blood relatives
等以內之血親及以本人或配偶 within two degrees of kinship, and any enterprise of which the
為負責人之事業；同一關係企 principal himself/herself or his/her spouse is the responsible person.
業之範圍，適用公司法第三百 The scope of "a single related enterprise" shall be governed by
六十九條之一至第三百六十九 Articles 369-1 to 369-3, Article 369-9, and Article 369-11 of the
條之三、第三百六十九條之九 Company Act.
及第 三百六十 九條之十一 規
定。
主管機關對於保險業與其利害 The competent authority may limit the ability of an insurance
關係人從事放款以外之其他交 enterprise to engage in non-loan transactions with an interested
易得予限制；其利害關係人及 party. The competent authority shall prescribe regulations defining

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交易之範圍、決議程序、限額 the scope of interested parties and regulated transactions, procedures

及其他應遵行事項之辦法，由 for the adoption of resolutions, limits on transaction size, and other
主管機關定之。 compliance matters.

第 146-8 條 Article 146-8

第一百四十六條之三第三項所 For any prospective loan recipient listed in Article 146-3, paragraph
列舉之放款對象，利用他人名 3 who applies under the name of another person to an insurance
義向保險業申請辦理之放款， enterprise for a loan, the provisions of Article 146-3, paragraph 3,
適用第一百四十六條之三第三 shall apply.
項規定。
向保險業申請辦理之放款，其 If money obtained through a loan from an insurance enterprise is
款項為利用他人名義之人所使 used by a person using another person's name, or the money is
用，或其款項移轉為利用他人 transferred to the ownership of a person using another person's
名義之人所有時，推定為前項 name, it shall be presumed that the loan was obtained from the
所稱利用他人名義之人向保險 insurance enterprise by the person applying in the name of another
業申請辦理之放款。 person as referred to in the preceding paragraph.

第 146-9 條 Article 146-9

保險業因持有有價證券行使股 In the course of exercising shareholder rights of securities that it
東權利時，不得有股權交換或 holds, an insurance enterprise may not do anything that would
利益輸送之情事，並不得損及 involve exchange of equity ownership or funneling of interests, nor
要保人、被保險人或受益人之 may it prejudice the interests of a proposer, insured party, or
利益。 beneficiary.
保險業於出席被投資公司股東 Before attending a shareholders meeting of an investee company, an
會前，應將行使表決權之評估 insurance enterprise shall prepare an explanation of how it has
分析作業作成說明，並應於各 evaluated and analyzed the exercise of voting rights, and after each
該次股東會後，將行使表決權 such shareholders meeting shall submit to its board of directors a
之書面紀錄，提報董事會。 written record of the exercise of voting rights.
保險業及其從屬公司，不得擔 An insurance enterprise and any subordinate company thereof may
任被投資公司之委託書徵求人 not act as proxy solicitor for an investee company or mandate
或委 託他人擔 任委託書徵 求 another party to act as proxy solicitor for an investee company.
人。

第 147 條 Article 147

保險業辦理再保險之分出、分 The competent authority shall prescribe regulations governing the
入或其他危險分散機制業務之 manner in which insurance enterprises cede or assume reinsurance
方式、限額及其他應遵行事項 or operate other risk spreading mechanisms, limits applying thereto,
之辦法，由主管機關定之。 and other compliance matters.

第 147-1 條 Article 147-1

保險業專營再保險業務者，為 An insurance enterprise that engages exclusively in reinsurance
專業再保險業，不適用第一百 business is a professional reinsurer, and is not subject to the
三十八條第一項、第一百四十 provisions of Article 138, paragraph 1, Article 143-1, Article 143-3,
三條之一、第一百四十三條之 or Article 144, paragraph 1.
三及第一百四十四條第一項規
定。
前項專業再保險業之業務、財 The competent authority shall prescribe regulations governing the
務及 其他相關 管理事項之 辦 business, financial, and other related management matters of the
法，由主管機關定之。 professional reinsurers referred to in the preceding paragraph.

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第 148 條 Article 148

主管機關得隨時派員檢查保險 The competent authority may, at any time, dispatch officers to
業之業務及財務狀況，或令保 inspect the business and financial conditions of an insurance
險業於限期內報告營業狀況。 enterprise, or order an insurance enterprise to report, within a
prescribed limit of time, the condition of its business.
前項檢查，主管機關得委託適 The competent authority may engage an appropriate agency or
當機構或專業經驗人員擔任； professional expert to conduct the inspection referred to in the
其費用，由受檢查之保險業負 preceding paragraph. Expenses thus incurred shall be borne by the
擔。 insurance enterprise that is inspected.
前二項檢查人員執行職務時， In performing the tasks referred to in the preceding two paragraphs,
得為下列行為，保險業負責人 inspectors may take any of the following actions, which the
及相關人員不得規避、妨礙或 responsible person and relevant persons of the insurance enterprise
拒絕： may not evade, obstruct, or refuse:
一、令保險業提供第一百四十 1. Ordering the insurance enterprise to provide the types of
八條 之一第一 項所定各項 書 documents and forms described in Article 148-1, paragraph 1, and
表，並提出證明文件、單據、 to present evidencing documents, vouchers, books, lists, and related
表冊及有關資料。 materials.
二、詢問保險業相關業務之負 2. Making inquiries of the persons in charge of (and other personnel
責人及相關人員。 involved in) relevant business operations of the insurance enterprise.
三、評估保險業資產及負債。 3. Assessing the assets and liabilities of the insurance enterprise.
第一項及第二項檢查人員執行 In performing the tasks in paragraphs 1 and 2, inspectors may, after
職務時，基於調查事實及證據 receiving permission from the competent authority, take any of the
之必要，於取得主管機關許可 following actions as necessary in order to investigate the facts and
後，得為下列行為： evidence of a case:
一、要求受檢查保險業之關係 1. Requesting that enterprises affiliated with the insurance enterprise
企業提供財務報告，或檢查其 being inspected provide financial statements, allow inspection of
有關之帳冊、文件，或向其有 their related books or documents, or permit questioning of their
關之職員詢問。 relevant employees.
二、向其他金融機構查核該保 2. Inspecting the records of other financial institutions of
險業與其關係企業及涉嫌為其 transactions of the insurance enterprise, its affiliates, and others
利用名義交易者之交易資料。 whose names are suspected to have been used by it for transactions.
前項所稱關係企業之範圍，適 The scope of "affiliates" in the preceding paragraph shall be
用公司法第三百六十九條之一 governed by Articles 369-1 to 369-3, Article 369-9, and Article
至第三百六十九條之三、第三 369-11 of the Company Act.
百六十九條之九及第三百六十
九條之十一規定。

第 148-1 條 Article 148-1

保險業每屆營業年度終了，應 At the end of every fiscal year, an insurance enterprise shall (i)
將其營業狀況連同資金運用情 compile a report detailing its operational status and the use of its
形，作成報告書，併同資產負 funds, attaching a balance sheet, profit and loss statement, statement
債表、損益表、股東權益變動 of changes in shareholders' equity, cash flow statement and proposal
表、現金流量表及盈餘分配或 for allocation of surplus profit or compensation of deficit, and other
虧損撥補之議案及其他經主管 matters designated by the competent authority, (ii) have the above
機關指定之項目，先經會計師 items certified by a certified public accountant, (iii) submit the
查核簽證，並提經股東會或社 above items for approval at a shareholders meeting or a general
員代表大會承認後，十五日內 assembly of cooperative members, and (iv) thereafter submit the
報請主管機關備查。 above items to the competent authority within fifteen days for

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recordation.
保險業除依前項規定提報財務 In addition to the financial and business reports that an insurance
業務報告外，主管機關並得視 enterprise must submit pursuant to the preceding paragraph, the
需要 ，令保險 業於規定期 限 competent authority may, as the need arises, require either that an
內，依規定之格式及內容，將 insurance enterprise report, within a specified time limit and
業務及財務狀況彙報主管機關 observing all format and content requirements, its business and
或其 指定之機 構 ，或提出 帳 financial conditions to the competent authority or an institution
簿、表冊、傳票或其他有關財 designated thereby, or that an insurance enterprise furnish account
務業務文件。 books, statements, vouchers, or other related financial and
operational documents.
前二項財務報告之編製準則， Standards governing preparation of the financial reports referred to
由主管機關定之。 in the preceding two paragraphs shall be prescribed by the
competent authority.

第 148-2 條 Article 148-2

保險業應依規定據實編製記載 An insurance enterprise shall, in compliance with regulations,
有財務及業務事項之說明文件 truthfully prepare explanatory documents detailing the enterprise's
提供公開查閱。 financial and business matters, and shall make such documents
publicly available for inspection.
保險業於有攸關消費大眾權益 If an insurance enterprise becomes aware of any material
之重大訊息發生時，應於二日 information with a bearing upon the rights and interests of
內以書面向主管機關報告，並 consumers, it shall report to the competent authority in writing
主動公開說明。 within two days and explain the matter publicly.
第一項說明文件及前項重大訊 The explanatory documents referred to in paragraph 1, and the
息之內容、公開時期及方式， contents as well as the timing and manner of disclosure of the major
由主管機關定之。 information referred to in the preceding paragraph, shall be
prescribed by the competent authority.

第 148-3 條 Article 148-3

保險業應建立內部控制及稽核 An insurance enterprise shall establish internal control and auditing
制度；其辦法，由主管機關定 systems. Regulations governing such systems shall be prescribed by
之。 the competent authority.
保險業對資產品質之評估、各 An insurance enterprise shall establish internal handling systems
種準備金之提存、逾期放款、 and procedures for: assessment of asset quality; provision for
催收款之清理、呆帳之轉銷及 various kinds of reserves; resolution of overdue loans and
保單之招攬核保理賠，應建立 non-accrual loans; write-off of bad debts; and policy solicitation,
內部 處理制度 及程序 ；其 辦 underwriting, and claims settlement. Regulations governing such
法，由主管機關定之。 systems and procedures shall be prescribed by the competent
authority.

第 149 條 Article 149

保險業違反法令、章程或有礙 If an insurance enterprise violates laws, regulations, or its articles of
健全經營之虞時，主管機關除 incorporation, or is suspected of improper management, the
得予 以糾正或 命其限期改 善 competent authority may issue an official reprimand or order it to
外，並得視情況為下列處分： take corrective action within a specified period of time, and may,
depending on the circumstances, take the following disciplinary
一、限制其營業或資金運用範 actions:
圍。 1. Restrict the scope of its business or funds allocations.
二、命其停售保險商品或限制 2. Order the insurance enterprise to suspend sales of an insurance

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其保險商品之開辦。 product or products or restrict its launch of new insurance products.

三、命其增資。 3. Order the insurance enterprise to increase its capital.
四、命其解除經理人或職員之 4. Order removal of its managers or employees from their positions.
職務。
保險業不遵行前項處分，主管 If an insurance enterprise does not comply with the disciplinary
機關應依情節，分別為下列處 actions of the preceding paragraph, the competent authority shall
分： take the following disciplinary actions as circumstances merit:
一、撤銷法定會議之決議。 1. Revoke the resolutions of statutory meetings.
二、解除董（理）事、監察人 2. Dismiss its directors or supervisor(s), or suspend them from their
（監事）職務或停止其於一定 duties for a certain period of time.
期間內執行職務。
三、其他必要之處置。 3. Any other necessary disposition.
依前項第二款規定解除董（理） If directors or supervisors are dismissed pursuant to the provisions
事、監察人（監事）職務時， of preceding paragraph, subparagraph 2, the competent authority
由主管機關通知公司（合作社） shall notify the competent authority for company (cooperative)
登記之主管機關註銷其董（理） registration to cancel the registration of the directors and
事、監察人（監事）登記。 supervisors.
保險業因業務或財務狀況顯著 If the business or financial conditions of an insurance enterprise
惡化，不能支付其債務，或無 deteriorate so significantly that the insurance enterprise is unable to
法履行契約責任或有損及被保 pay its debts or perform contractual obligations, or the rights and
險人權益之虞時，主管機關得 interests of insured parties are adversely affected, the competent
依情節之輕重，分別為下列處 authority may, depending on the severity of the circumstances, take
分： the following disciplinary actions:
一、監管。 1. Place the enterprise under conservatorship.
二、接管。 2. Place the enterprise under receivership.
三、勒令停業清理。 3. Order the enterprise to suspend business and undergo
四、命令解散。 rehabilitation.
4. Order dissolution of the insurance enterprise.
依前項規定監管、接管、停業 If, pursuant to the provisions of the preceding paragraph, an
清理或解散者，主管機關得委 insurance enterprise is ordered into conservatorship, receivership,
託其他保險業、保險相關機構 suspension of business and rehabilitation, or dissolution, the
或具有專業經驗人員擔任監管 competent authority may mandate another insurance enterprise,
人、接管人、清理人或清算人； insurance-related institution, or professional expert to serve as
其有 涉及安定 基金補償事 項 conservator, receiver, rehabilitator, or liquidator. Where there are
時，並應通知安定基金配合辦 matters of compensation involving a stabilization fund, the
理。 cooperation of the stabilization fund shall also be requested.
前項經主管機關委託之相關機 A related institution or individual mandated by the competent
構或個人，於辦理受委託事項 authority as provided for under the preceding paragraph shall not be
時，不適用政府採購法之規定。 subject to the provisions of the Government Procurement Act when
handling the matters for which it was mandated.
保險業受接管或被勒令停業清 When an insurance enterprise is placed under receivership or
理時，不適用公司法有關臨時 ordered to suspend business and undergo rehabilitation, the
管理人或檢查人之規定，除依 provisions of the Company Act pertaining to temporary managers
本法規定聲請之重整外，其他 and inspectors do not apply, and with the exception of a
重整、破產、和解之聲請及強 reorganization filed for in accordance with the provisions of this
制執行程序當然停止。 Act, any other petition for reorganization, bankruptcy, or
composition shall be automatically stayed, as shall any compulsory
execution proceeding.
接管人依本法規定聲請重整， A receiver filing for reorganization in accordance with the

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就該受接管保險業於受接管前 provisions of this Act may petition the court to hear or rule upon its
已聲請重整者，得聲請法院合 petition together with any petition for reorganization filed by the
併審理或裁定；必要時，法院 insurance enterprise under receivership before it was placed under
得於裁定前訊問利害關係人。 receivership. The court may as necessary question interested parties
before issuing a ruling.
保險業經主管機關依第四項第 If an insurance enterprise has been placed under conservatorship by
一款規定為監管處分時，非經 the competent authority pursuant to the provisions of paragraph 4,
監管人同意，保險業不得為下 subparagraph 1, the insurance enterprise may not perform any of the
列行為： following acts without the consent of the conservator:
一、支付款項或處分財產，超 1. Make payments or dispose of property in excess of a limit
過主管機關規定之限額。 prescribed by the competent authority.
二、締結契約或重大義務之承 2. Enter into any contract or undertake material obligations.
諾。 3. Any other matter that would significantly affect its finances.
三、其他重大影響財務之事項。
監管人執行監管職務時，準用 The relevant provisions of Article 148 shall apply mutatis mutandis
第一百四十八條有關檢查之規 to the conservator's performance of his/her duties as conservator.
定。
保險業監管或接管之程序、監 The competent authority shall prescribe regulations governing the
管人與接管人之職權、費用負 procedures for conservatorship or receivership of insurance
擔及其他應遵行事項之辦法， enterprises, the duties of conservators and receivers, fee burdens,
由主管機關定之。 and other compliance matters.

第 149-1 條 Article 149-1

保險業收受主管機關接管處分 After receiving a notice of receivership from the competent
之通知後，應將其業務之經營 authority, an insurance enterprise shall surrender to the receiver its
及財產之管理處分權移交予接 right to run business operations and manage and dispose of
管人。原有股東會、董事、監 property. All authorities of office of the original shareholders'
察人或類似機構之職權即行停 meeting, directors, supervisors, and other similar offices shall be
止。 suspended immediately.
保險業之董事、經理人或類似 Directors, managers, or persons holding other similar positions in
機構應將有關業務及財務上一 the insurance enterprise shall transfer all account books, documents,
切帳冊、文件與財產列表移交 and property relating to business and financial matters to the
與接管人。董事、監察人、經 receiver along with a list of what has been transferred. The
理人或其他職員，對於接管人 directors, supervisors, managers, and other staff shall be obligated to
所為關於業務或財務狀況之詢 respond to the receiver's inquiries concerning business and financial
問，有答復之義務。 matters.

第 149-2 條 Article 149-2

保險業於受接管期間內，主管 During the period in which an insurance enterprise is under
機關對其新業務之承接、受理 receivership, the competent authority may restrict its ability to write
有效保險契約之變更或終止、 new business, modify or terminate in-force insurance contracts,
受理要保人以保險契約為質之 provide proposers with loans secured by insurance contracts, or pay
借款 或償付保 險契約之解 約 the surrender value of insurance contracts.
金，得予以限制。 A receiver shall obtain prior permission from the competent
接管人執行職務而有下列行為 authority if, in executing his or her duties, he or she intends to take
時，應事先取得主管機關許可： any of the following actions:
一、增資或減資後再增資。 1. Carry out a capital increase, or capital decrease followed by
二、讓與全部或部分營業、資 capital increase.
產或負債。 2. Assign operations, assets, or liabilities in whole or in part.

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三、與其他保險業合併。 3. Merge with another insurance enterprise.

四、其他經主管機關指定之重 4. Other important matters as designated by the competent authority.
要事項。
接管人接管保險業後三個月內 When a receiver does not assign the entire operations, assets, or
未將全部營業、資產或負債移 liabilities of an insurance enterprise within three months after taking
轉者，除有重建更生之可能應 it into receivership, unless there is a possibility of rescue (in which
向法院聲請重整外，應報請主 case a petition for reorganization shall be filed in court), the receiver
管機關為清理之處分。上述期 shall report to the competent authority and request that the latter
限，必要時接管人得向主管機 carry out rehabilitation. A receiver may as necessary apply to the
關申請展延。 competent authority for an extension on the aforementioned time
period.
法院受理接管人依本法規定之 When a court receives a petition for reorganization filed by a
重整聲請時，得逕依主管機關 receiver in accordance with the provisions of this Act, it may
所提出之財務業務檢查報告及 proceed forthwith to issue a ruling within 30 days on the basis of
意見於三十日內為裁定。 operational and final examination reports and opinions provided by
the competent authority.
依保險契約所生之權利於保險 When an insurance enterprise is undergoing reorganization, rights
業重整時，有優先受償權，並 arising out of its insurance contracts shall constitute preferential
免為重整債權之申報。 claims and need not be declared as rights of creditors in
reorganization.
接管人依本法聲請重整之保險 The insurance enterprises for which a receiver may file for
業，不以公開發行股票或公司 reorganization are not limited to companies that have publicly
債之公司為限，且其重整除本 issued stock or corporate bonds, and except as otherwise provided in
法另有規定外，準用公司法有 this Act, the reorganization thereof shall be subject mutatis mutandis
關重整之規定。 to the provisions of the Company Act relating to reorganization.
受接管保險業依第二項第二款 When a receiver intends to assign operations, assets, or liabilities in
規定讓與全部或部分營業、資 whole or in part in accordance with paragraph 2, subparagraph 2, if
產或負債時，如受接管保險業 premium rates on the in-force contracts of the insurance enterprise
之有效保險契約之保險費率與 under receivership are significantly out of line given current
當時情況有顯著差異，非調高 conditions and the other insurance enterprise will not accept the
其保 險費率或 降低其保險 金 assignment unless premium rates are increased or insured amounts
額，其他保險業不予承接者， are reduced, the receiver may adjust premium rates or insured
接管人得報經主管機關核准， amounts after approval is granted by the competent authority.
調整其保險費率或保險金額。

第 149-3 條 Article 149-3

監管、接管之期限，由主管機 The period of conservatorship or receivership shall be determined
關定之。在監管、接管期間， by the competent authority. If during the period of conservatorship
監管、接管原因消失時，監管 or receivership, the reason for conservatorship or receivership
人、接管人應報請主管機關終 ceases to exist, the conservator or receiver shall report to the
止監管、接管。 competent authority and request termination of conservatorship or
receivership.
接管期間屆滿或雖未屆滿而經 When the period of receivership expires, or if the competent
主管機關決定終止接管時，接 authority decides to terminate the receivership prior to expiration of
管人應將經營之有關業務及財 the period of receivership, the receiver shall transfer all relevant
務上一切帳冊、文件與財產， account books, documents, and property relating to business and
列表 移交與該 保險業之代 表 financial matters of the insurance enterprise to the representative of
人。 the insurance enterprise along with a list of what has been
transferred.

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第 149-4 條 Article 149-4

依第一百四十九條為解散之處 When an insurance enterprise organized as a company is ordered to
分者，其清算程序，除本法另 dissolve in accordance with the provisions of Article 149, the
有規定外，其為公司組織者， provisions of the Company Act concerning liquidation of a
準用公司法關於股份有限公司 company limited by shares shall apply mutatis mutandis to the
清算之規定；其為合作社組織 enterprise's liquidation procedures unless otherwise provided in this
者，準用合作社法關於清算之 Act. If the insurance enterprise is organized as a cooperative, the
規定。但有公司法第三百三十 provisions of the Cooperative Act concerning liquidation shall apply
五條特別清算之原因者，均應 mutatis mutandis, provided that if special liquidation procedures are
準用公司法關於股份有限公司 required for any of the reasons contained in Article 335 of the
特別清算之程序為之。 Company Act, the procedures for special liquidation of a company
limited by shares, as set forth in the Company Act, shall apply
mutatis mutandis.

第 149-5 條 Article 149-5

監管人、接管人、清理人或清 Remuneration of the conservator, receiver, rehabilitator, or
算人之報酬及因執行職務所生 liquidator, and expenses arising from the performance of their
之費用，由受監管、接管、清 duties, shall be borne by the insurance enterprise under
理、清算之保險業負擔，並優 conservatorship, receivership, rehabilitation, or liquidation, and
先於其他債權受清償。 shall take precedence over the rights of other creditors.
前項報酬，應報請主管機關核 The remuneration referred to in the preceding paragraph shall be
定。 submitted to the competent authority for approval.

第 149-6 條 Article 149-6

保險業經主管機關依第一百四 When an insurance enterprise is ordered by the competent authority,
十九條第四項規定為監管、接 pursuant to the provisions of Article 149, paragraph 4, into
管、勒令停業清理或命令解散 conservatorship, receivership, suspension of business and
之處分時，主管機關對該保險 rehabilitation, or dissolution, the competent authority may instruct
業及其負責人或有違法嫌疑之 the relevant authorities or institutions to prohibit the insurance
職員，得通知有關機關或機構 enterprise, its responsible person, or any of its employees suspected
禁止其財產為移轉、交付或設 of violating the law, from transferring, delivering, or otherwise
定他項權利，並得函請入出境 encumbering property of the enterprise, and may also request by
許可之機關限制其出境。 letter that immigration authorities prevent such persons from leaving
the country.

第 149-7 條 Article 149-7

股份有限公司組織之保險業受 When an insurance enterprise organized in the form of a company
讓依第一百四十九條之二第二 limited by shares takes assignment of the operations, assets, or
項第二款受接管保險業讓與之 liabilities of another insurance enterprise that is under receivership
營業、資產或負債時，適用下 pursuant to Article 149-2, paragraph 2, subparagraph 2, the
列規定： following provisions shall apply:
一、股份有限公司受讓全部營 1. For a company limited by shares, assumption in whole of
業、資產或負債時，應經代表 operations, assets, or liabilities shall proceed upon adoption of a
已發行股份總數過半數股東出 resolution by a majority vote of the voting rights represented at a
席之股東會，以出席股東表決 shareholders meeting attended by shareholders representing a
權過半數之同意行之；不同意 majority of the total issued shares. Dissenting shareholders may not
之股東不得請求收買股份，免 request repurchase of their shares and the requirements of Article
依公司法第一百八十五條至第 185 to 187 of the Company Act shall be waived.

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一百八十七條規定辦理。
二、債權讓與之通知以公告方 2. Notice of the assignment of creditors' rights shall be given by
式辦理之，免依民法第二百九 public announcement, and the requirements of Article 297 of the
十七條之規定辦理。 Civil Code shall be waived.
三、承擔債務時免依民法第三 3. Where debt is assumed, the provision of Article 301 of the Civil
百零一條債權人承認之規定辦 Code requiring acknowledgement by the creditor shall be waived.
理。
四、經主管機關認為有緊急處 4. Where the competent authority deems that there is a need for
理之必要，且對市場競爭無重 urgent measures and that there will be no material adverse impact
大不利影響時，免依公平交易 on market competition, the requirement to report a business
法第十一條第一項規定向行政 combination to the Fair Trade Commission of the Executive Yuan
院公平交易委員會申報結合。 under Article 11, paragraph 1 of the Fair Trade Act shall be waived.
保險業依第一百四十九條之二 Where an insurance enterprise merges, pursuant to Article 149-2,
第二項第三款與受接管保險業 paragraph 2, subparagraph 2, with an insurance enterprise under
合併時，除適用前項第一款及 receivership, the provisions of subparagraphs 1 and 4 of the
第四款規定外，解散或合併之 preceding paragraph shall apply, notice of merger or dissolution
通知得以公告方式辦理之，免 may be given by public announcement, and the requirements of
依公司法第三百十六條第四項 Article 316, paragraph 4 of the Company Act shall be waived.
規定辦理。

第 149-8 條 Article 149-8

保險業之清理，主管機關應指 For rehabilitation of an insurance enterprise, the competent
定清理人為之，並得派員監督 authority shall appoint a rehabilitator, and may dispatch personnel to
清理之進行。 supervise the rehabilitation.
清理人之職務如下： The duties of the rehabilitator are as follows:
一、了結現務。 1. To wind up pending matters.
二、收取債權，清償債務。 2. To collect assets and discharge liabilities.
保險業經主管機關為勒令停業 When an insurance enterprise is ordered by the competent authority
清理之處分時，準用第一百四 to suspend business and undergo rehabilitation, the provisions of
十九條之一、第一百四十九條 Article 149-1 and Article 149-2, paragraphs 1 and 7 shall apply
之二第一項及第七項規定。 mutatis mutandis.
清理人執行第二項職務，有代 In performing the duties referred to in paragraph 2, the rehabilitator
表保險業為訴訟上及訴訟外一 shall have the authority to perform all litigious and non-litigious acts
切行 為之權 。 但將保險業 營 on behalf of the insurance enterprise. However, approval from the
業、資產或負債予以轉讓，或 competent authority shall be obtained before transfer of operations,
與其他保險業合併時，應報經 assets, or liabilities of the insurance enterprise, or before its merger
主管機關核准。 with another insurance enterprise.
其他保險業受讓受清理保險業 When an insurance enterprise takes assignment of the operations,
之營業、資產或負債或與其合 assets, or liabilities of, or merges with, an insurance enterprise under
併時，應依前條規定辦理。 rehabilitation, it shall comply with the provisions of the preceding
article.
清理人執行職務聲請假扣押、 A rehabilitator who petitions for provisional attachment or
假處分時，得免提供擔保。 provisional injunction in connection with the exercise of his/her
duties shall be exempt from any requirement to provide security.

第 149-9 條 Article 149-9

清理人就任後，應即於保險業 After being instated, the rehabilitator shall immediately make public
所在地之日報為三日以上之公 announcement for at least three days in a daily newspaper published
告，催告債權人於三十日內申 in the area where the insurance enterprise is located, notifying

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報其債權，並應聲明屆期不申 creditors to file their claims within thirty days and stating that in
報者，不列入清理。但清理人 case of failure to file within the time limit such claims will not be
所明知之債權，不在此限。 included in the rehabilitation proceeding, provided that this
restriction does not apply to claims known to the rehabilitator.
清理人應即查明保險業之財產 The rehabilitator shall immediately ascertain the status of the
狀況，於申報期限屆滿後三個 insurance enterprise's assets; prepare a balance sheet and list of
月內造具資產負債表及財產目 property within three months from the expiration of the time limit
錄，並擬具清理計畫，報請主 for filing a claim; prepare a rehabilitation plan; submit all of the
管機關備查，並將資產負債表 above to the competent authority; and publicize the balance sheet in
於保險業所在地日報公告之。 a daily newspaper published in the area where the insurance
enterprise is located.
清理人於第一項所定申報期限 During the filing period set forth in paragraph 1, the rehabilitator
內，不得對債權人為清償。但 may not make payment to creditors, provided that employee salaries
對已屆清償期之職員薪資，不 that are due are not subject to this restriction.
在此限。

第 149-10 條 Article 149-10

保險業經主管機關勒令停業進 For an insurance enterprise that has been ordered by the competent
行清理時，第三人對該保險業 authority into suspension of business and rehabilitation, creditors'
之債權，除依訴訟程序確定其 rights shall not be exercised by any third party against the insurance
權利者外，非依前條第一項規 enterprise other than through the rehabilitation proceeding set forth
定之清理程序，不得行使。 in paragraph 1 of the preceding article, except for rights that have
been ascertained through litigation procedures.
前項債權因涉訟致分配有稽延 If the distribution of payment of creditors' rights referred to in the
之虞時，清理人得按照清理分 preceding paragraph is likely to be delayed due to litigation, the
配比例提存相當金額，而將所 rehabilitator may set aside an amount based on the rehabilitation
餘財產分配於其他債權人。 distribution ratio, and distribute the balance of the property to other
creditors.
下列各款債權，不列入清理： The following creditors' rights shall be excluded from rehabilitation:
一、債權人參加清理程序為個 1. Expenses incurred by creditors for personal benefit while taking
人利益所支出之費用。 part in the rehabilitation proceeding.
二、保險業停業日後債務不履 2. Damages and penalties owed by the insurance enterprise due to
行所生之損害賠償及違約金。 non-performance of debt obligations after the day of suspension of
business.
三、罰金、罰鍰及追繳金。 3. Criminal fines, administrative fines, and arrears fees.
在保險業停業日前，對於保險 Those holding pledges, mortgages, or liens on property of the
業之財產有質權、抵押權或留 insurance enterprise prior to the day of suspension of business shall
置權者，就其財產有別除權； enjoy the right of exclusion with respect to such property. Creditors
有別除權之債權人不依清理程 with the right of exclusion may exercise their creditors' rights
序而行使其權利。但行使別除 independently of the rehabilitation proceeding, provided that for
權後未能受清償之債權，得依 debts that remain unsettled after exercise of the right of exclusion,
清理程序申報列入清理債權。 such creditors may file a claim in accordance with the rehabilitation
proceeding.
清理人因執行清理職務所生之 Expenses and debts incurred by the rehabilitator in the execution of
費用 及債務 ， 應先於清理 債 rehabilitation duties have priority over payment of creditors, and
權，隨時由受清理保險業財產 shall be reimbursed on a running basis from the property of the
清償之。 insurance enterprise under rehabilitation.
依前條第一項規定申報之債權 The limitations period for claiming payment for creditors' rights
或為清理人所明知而列入清理 shall be interrupted from the time that a claim is filed or that rights

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之債權，其請求權時效中斷， known to the rehabilitator are included in the rehabilitation pursuant

自清理完結之日起重行起算。 to paragraph 1 of the preceding article, and shall resume from the
day the rehabilitation is completed.
債權 人依清理 程序已受清 償 Where a creditor has received payment through the rehabilitation
者， 其債權未 能受清償之 部 proceeding, right of claim against the insurance enterprise for the
分，對該保險業之請求權視為 portion of credit not fully paid up shall be deemed extinguished.
消滅。清理完結後，如復發現 After completion of rehabilitation, if distributable property is
可分 配之財產 時 ，應追加 分 discovered, supplemental distribution shall be carried out. If there is
配，於列入清理程序之債權人 any balance after paying those creditors who are listed in the
受清償後，有剩餘時，第三項 rehabilitation proceeding, the creditors referred to in paragraph 3
之債權人仍得請求清償。 shall be entitled to claim it.

第 149-11 條 Article 149-11

清理人應於清理完結後十五日 Within fifteen days of completion of the rehabilitation, the
內造具清理期內收支表、損益 rehabilitator shall: prepare a revenue and expense statement, a profit
表及各項帳冊，並將收支表及 and loss statement, and various account books for the rehabilitation
損益表於保險業所在地之新聞 period; publicize the revenue and expense statement and the profit
紙及主管機關指定之網站公告 and loss statement in newspapers published in the area where the
後，報主管機關廢止保險業許 insurance enterprise is located, and on a website designated by the
可。 competent authority; and submit a report to the competent authority
requesting that it revoke insurance the enterprise's business permit.
前項經廢止許可之保險業，自 An insurance enterprise whose business permit is revoked as
停業時起視為解散，原有清理 provided for in the preceding paragraph shall be deemed dissolved
程序視為清算。 from the time of business suspension, and the original rehabilitation
proceeding shall be deemed liquidation.

第 150 條 Article 150

保險業解散清算時，應將其營 When an insurance enterprise is dissolved and liquidated, its
業執照繳銷。 business license shall be revoked.

第二節 保險公司 Section 2. Insurance Companies

第 151 條 Article 151

保險公司除本法另有規定外， Except as otherwise provided for in this Act, the provisions of the
適用公司法關於股份有限公司 Company Act relating to companies limited by shares are applicable
之規定。 to insurance companies.

第 152 條 Article 152

保險公司之股票，不得為無記 The shares of an insurance company may not be in bearer form.
名式。

第 153 條 Article 153

保險公司違反保險法令經營業 Where an insurance company violates insurance laws or regulations
務，致資產不足清償債務時， in conducting its business, and this results in a situation where its
其董事長、董事、監察人、總 assets are insufficient to pay off its debts, its chairman of the board
經理及負責決定該項業務之經 of directors, directors, supervisors, president, and managers
理，對公司之債權人應負連帶 responsible for deciding such business matters shall bear unlimited
無限清償責任。 joint and several liability to the company's creditors.

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主管機關對前項應負連帶無限 The competent authority may notify the relevant authorities or

清償責任之負責人，得通知有 institutions that they are prohibited from transferring, delivering, or
關機關或機構禁止其財產為移 otherwise encumbering property of persons who shall bear the
轉、交付或設定他項權利，並 unlimited joint and several liability referred to in the preceding
得函請入出境許可之機關限制 paragraph, and may also instruct immigration authorities in writing
其出境。 to prevent such persons from leaving the country.
第一項責任，於各該負責人卸 Each of the said responsible persons shall be discharged from the
職登記之日起滿三年解除。 liability referred to in paragraph 1 three years after the date of
registration of dismissal from his/her position.

第 154 條 Article 154

（刪除） (Deleted)

第 155 條 Article 155

（刪除） (Deleted)

第三節 保險合作社 Section 3. Insurance Cooperatives

第 156 條 Article 156

保險合作社除依本法規定外， In addition to the provisions of this Act, an insurance cooperative
適用合作社法及其有關法令之 shall also be governed by the provisions of the Cooperative Act and
規定。 other relevant laws and regulations.

第 157 條 Article 157

保險合作社，除依合作社法籌 In addition to raising membership share capital in accordance with
集股金外，並依本法籌足基金。 the Cooperative Act, an insurance cooperative shall, as necessary,
take other measures pursuant to this Act to ensure that its authorized
fund meets the legal requirement.
前項基金非俟公積金積至與基 The fund referred to in the preceding paragraph may not be retired
金總額相等時，不得發還。 until the surplus has accumulated to an amount equal to the total
amount of the fund.

第 158 條 Article 158

保險合作社於社員出社時，其 Where an insurance cooperative does not have sufficient existing
現存財產不足抵償債務，出社 assets to pay off its debts when a member withdraws from the
之社員仍負擔出社前應負之責 cooperative, the withdrawing member shall continue to bear the
任。 liability that he/she bore prior to withdrawal.

第 159 條 Article 159

保險合作社之理事，不得兼任 A director of an insurance cooperative may not concurrently serve
其他合作社之理事、監事或無 as a director, supervisor, or member with unlimited liability of
限責任社員。 another cooperative.

第 160 條 Article 160

（刪除） (Deleted)

第 161 條 Article 161

保險合作社之社員，對於保險 Members of an insurance cooperative may not use their creditors'
合作社應付之股金及基金，不 rights with respect to the cooperative to offset their subscriptions to

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得以其對保險合作社之債權互 membership share capital or other elements of the cooperative's

相抵銷。 fund.

第 162 條 Article 162

財產保險合作社之預定社員人 The start-up membership of a cooperative engaged in non-life
數不得少於三百人；人身保險 insurance may not be less than three hundred persons. The start-up
合作社之預定社員人數不得少 membership of a cooperative engaged in insurance of the person
於五百人。 may not be less than five hundred persons.

第四節 保險業代理人、經紀 Section 4. Insurance Agents, Brokers, and Surveyors

人、公證人

第 163 條 Article 163

保險業之經紀人、代理人、公 An insurance agent, broker, or surveyor may not begin practicing
證人，非向主管機關登記，繳 until he or she has registered with the competent authority, posted
存保證金或投保責任保險，領 bond, obtained liability insurance, and obtained a practice license.
有執業證書，不得執行業務。
前項經紀人、代理人、公證人， The insurance agents, brokers, and surveyors referred to in the
或其他個人及法人，不得為未 preceding paragraph, or other individuals or juristic persons, may
經主管機關核准之保險業經營 not engage in insurance business on behalf of, or refer insurance
或介紹保險業務。 business to, insurance enterprises that have not been approved by
the competent authority.

第 164 條 Article 164

保險業代理人、經紀人、公證 The amount of the bond that insurance agents, brokers, and
人，應繳存之保證金或投保責 surveyors must post, or the insured amount of the liability insurance
任保險之保險金額，由主管機 that such parties must obtain, shall be determined by the competent
關訂之。 authority.

第 165 條 Article 165

保險業代理人、經紀人、公證 An insurance agent, broker, or surveyor shall have a fixed place of
人，應有固定業務處所，並專 business and set up special ledgers to record his or her business
設帳簿記載業務收支。 income and expenditures.

第四節之一 同業公會 Section 4-1. Trade associations

第 165-1 條 Article 165-1

保險業、保險代理人公司、保 An insurance enterprise, agent, broker, or surveyor company may
險經紀人公司、保險公證人公 not engage in business until it has became a member of the
司非 加入同業 公會 ，不得 營 association; without legitimate reason, the association may not deny
業；同業公會非有正當理由， an application for membership thereby or attach improper
不得拒絕其加入，或就其加入 conditions to it.
附加不當之條件。

第 165-2 條 Article 165-2

同業公會為會員之健全經營及 To ensure sound operations and maintain the reputations of its
維護同業之聲譽，應辦理下列 members, the association shall carry out the following matters:
事項：
一、訂定共同性業務規章、自 1. Draw up general operating bylaws, self-regulatory, and practical

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律規範及各項實務作業規定， codes, and then provide these, to members for their compliance as
並報請主管機關備查後供會員 the competent authority agreed to file for recordation.
遵循。
二、就會員所經營業務，為必 2.Exe r cisenecessa ryg ui
da nc eforme mbe r
s’runningbus inessa nd
要指導或協調其間之糾紛。 coordinate disputes between them.
三、主管機關規定或委託辦理 3. Handle matters required and entrusted by the competent
之事項。 authority.
四、其他為達成保險業務發展 4. Handle other matters as necessary to develop insurance business
及公會任務之必要業務。 and achieve the mission of the association.
同業公會為辦理前項事項，得 To carry out the matters set forth in the preceding paragraph, the
要求會員提供有關資料或提出 association may require members to provide relevant information or
說明。 make explanations.

第 165-3 條 Article 165-3

同業公會之業務、財務規範與 The competent authority shall prescribe regulations for the
監督、章程應記載事項、負責 supervision of operational and financial affairs of the association,
人與業務人員之資格條件及其 the contents of constitution, the required qualifications of
他應遵行事項之規則，由主管 responsible men and related persons, and other compliance matters.
機關定之。

第 165-4 條 Article 165-4

同業公會之理事、監事有違反 Where a director or supervisor of the association violates laws or
法令、怠於遵守該會章程、規 regulations, fails to obey the association's constitution or bylaws,
章、濫用職權或違背誠實信用 abuses his or her authority, or breaches the principle of good faith,
原則之行為者，主管機關得予 the competent authority may issue an official reprimand or order the
以糾正或命令同業公會予以解 association to dismiss the actor.
任。

第 165-5 條 Article 165-5

主管機關為健全保險市場或保 When necessary to ensure the soundness of insurance market or
護被保險人之權益，必要時， safeguard interests of the insured, the competent authority may
得命令同業公會變更其章程、 order the association to amend its constitution, bylaws, rules,
規章、規範或決議，或提供參 resolutions, or to provide reference materials, reports, or to perform
考、報告之資料，或為其他一 other certain acts.
定之行為。

第 165-6 條 Article 165-6

同業公會得依章程之規定，對 The association may, in accordance with its constitution, impose
會員或其會員代表違反章程、 nece ssarys anc
tionsa gainstme mbe rsorme mbe rs’r epres e n
tat
ive
s
規章、自律規範、會員大會或 who violate the constitution, bylaws, self-regulatory rules, or
理事會決議等事項時，為必要 resolutions made by the convention or the board of directors.
之處置。

第 165-7 條 Article 165-7

同業 公會章程 之變更及理 事 Amendments to the association's constitution, and minutes of the
會、監事會會議紀錄，應報請 board of directors and of supervisors, shall be filed for recordation
主管機關備查。 as the competent authority agreed.

第五節 罰則 Section 5. Penal Provisions

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第 166 條 Article 166

未依第一百三十七條規定，經 Enterprises that engage in the business of insurance without
主管 機關核准 經營保險業 務 obtaining approval from the competent authority in accordance with
者，應勒令停業，並處新臺幣 the provisions of Article 137 of this Act shall be ordered to suspend
三百萬元以上一千五百萬元以 business, and shall be assessed an administrative fine of not less
下罰鍰。 than New Taiwan Dollars three million but not more than New
Taiwan Dollars fifteen million.

第 167 條 Article 167

非保險業經營保險或類似保險 A non-insurance enterprise that engages in the operation of
業務者，處三年以上十年以下 insurance business or of a business similar to insurance shall be
有期徒刑，得併科新臺幣一千 punished by a prison term of not less than three years but not more
萬元以上二億元以下罰金。其 than 10 years, and in addition may be assessed a criminal fine of not
犯罪所得達新臺幣一億元以上 less than New Taiwan Dollars 10 million but not more than New
者，處七年以上有期徒刑，得 Taiwan Dollars two hundred million. Where its gains from the
併科新臺幣二千五百萬元以上 crime are New Taiwan Dollars one hundred million or more, it shall
五億元以下罰金。 be punished by a prison term of not less than seven years, and in
addition may be assessed a criminal fine of not less than New
Taiwan Dollars twenty-five million but not more than New Taiwan
Dollars five hundred million.
法人犯前項之罪者，處罰其行 Where a juristic person commits the offense described in the
為負責人。 preceding paragraph, the persons responsible for the offense shall be
punished.

第 167-1 條 Article 167-1

違反第一百六十三條規定者， A violation of Article 163 shall be punished by an administrative
處新臺幣九十萬元以上四百五 fine of not less than New Taiwan Dollars nine hundred thousand but
十萬元以下罰鍰。 not more than New Taiwan Dollars four million five hundred
thousand.

第 167-2 條 Article 167-2

違反第一百七十七條所定保險 Unless otherwise provided in this Act, where there is a violation of
代理人經紀人公證人管理規則 the Regulations Governing Insurance Agents, Brokers, and
者，除本法另有規定者外，應 Surveyors as provided in Article 177, a time limit for rectification
限期改正，或併處新臺幣九十 shall be specified, and in addition thereto, an administrative fine of
萬元以上四百五十萬元以下罰 not less than New Taiwan Dollars nine hundred thousand but not
鍰；情節重大者，並得命令停 more than New Taiwan Dollars four million five hundred thousand
止執業或撤銷執業證書。 may also be assessed. For violations deemed severe, an order to
suspend business may also be issued or the offender's practice
license revoked.

第 168 條 Article 168

保險業違反第一百三十八條第 If an insurance enterprise violates the provisions of Article 138,
一項、第三項、第五項或第二 paragraph 1, 3, or 5, or the provisions relating to business scope in
項所定辦法中有關業務範圍之 regulations prescribed by the competent authority pursuant to
規定者，處新臺幣九十萬元以 Article 138, paragraph 2, an administrative fine of not less than New
上四百五十萬元以下罰鍰。 Taiwan Dollars nine hundred thousand but not more than four
million five hundred thousand shall be imposed.

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保險業違反第一百三十八條之 If an insurance enterprise violates the provisions of Article 138-2,

二第二項、第四項、第五項、 paragraph 2, 4, 5, or 7, or Article 138-3, paragraph 1 or 2, or the
第七項、第一百三十八條之三 provisions relating to the amount to be provisioned for the
第一項、第二項或第三項所定 compensation reserve fund and the manner of such provisioning as
辦法中有關賠償準備金提存額 set out in regulations prescribed by the competent authority pursuant
度、提存方式之規定者，處新 to paragraph 2 of that same article, an administrative fine of not less
臺幣九十萬元以上四百五十萬 than New Taiwan Dollars nine hundred thousand but not more than
元以下罰鍰；其情節重大者， four million five hundred thousand shall be imposed; where the
並得廢止其經營保險金信託業 circumstances are severe, the enterprise's permit to engage in
務之許可。 insurance trust business may also be revoked.
保險 業違反第 一百四十三 條 Where an insurance enterprise violates Article 143, an
者，處新臺幣九十萬元以上四 administrative fine of not less than New Taiwan Dollars nine
百五十萬元以下罰鍰。 hundred thousand but not more than New Taiwan Dollars four
million five hundred thousand shall be imposed.
保險業資金之運用有下列情形 Where any one of the following circumstances obtains with respect
之一者，處新臺幣九十萬元以 to the funds allocation of an insurance enterprise, an administrative
上四百五十萬元以下罰鍰或勒 fine of not less than New Taiwan Dollars nine hundred thousand but
令撤換其負責人；其情節重大 not more than New Taiwan Dollars four million five hundred
者，並得撤銷其營業執照： thousand shall be imposed, or the enterprise shall be ordered to
replace its responsible person; where the circumstances are severe,
its business license may also be revoked:
一、違反第一百四十六條第一 1. A violation of Article 146, paragraph 1, 3, 5, or 7, or the
項、第三項、第五項、第七項 provisions relating to administration and custody of special ledgers
或第六項所定辦法中有關專設 or the allocation of investment assets as set out in regulations
帳簿之管理、保存及投資資產 prescribed by the competent authority pursuant to paragraph 6 of
運用之規定，或違反第八項所 that same article, or a violation of provisions relating to the terms
定辦法中有關保險業從事衍生 and conditions of derivatives trading by insurance enterprises, the
性商 品交易之 條件 、交易 範 scope thereof, transaction limits, or internal handling procedures as
圍、交易限額、內部處理程序 set out in regulations prescribed by the competent authority pursuant
之規定。 to paragraph 8 of that same article.
二、違反第一百四十六條之一 2. A violation of Article 146-1, paragraph 1, 2, or 3, or the
第一項、第二項、第三項或第 provisions relating to eligibility conditions, scope and type of
四項 所定辦法 中有關投資 條 investments, and investment rules as set out in regulations
件、投資範圍、內容及投資規 prescribed by the competent authority pursuant to paragraph 4 of
範之規定。 that same article.
三、違反第一百四十六條之二 3. A violation of the provisions of Article 146-2.
規定。 4. A violation of the provisions of Article 146-3, paragraph 1, 2, or
四、違反第一百四十六條之三 4.
第一項、第二項或第四項規定。 5. A violation of Article 146-4, paragraph 1 or 2, or the provisions
五、違反第一百四十六條之四 relating to investment rules or investment limits as set out in
第一項、第二項或第三項所定 regulations prescribed by the competent authority pursuant to
辦法中有關投資規範或投資額 paragraph 3 of that same article.
度之規定。
六、違反第一百四十六條之五 6. A violation of the forepart of paragraph 1 of Article 146-5, or of
第一項前段規定、同條後段所 the provisions relating to scope of or limits upon investments as set
定辦法中有關投資範圍或限額 out in regulations prescribed by the competent authority pursuant to
之規定。 the latter part of that same article.
七、違反第一百四十六條之六 7. A violation of Article 146-6, paragraph 1 or 2, or the provisions
第一項、第二項或第三項所定 relating to the method of reporting investments as set out in

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辦法中有關投資申報方式之規 regulations prescribed by the competent authority pursuant to

定。 paragraph 3 of that same article.
八、違反第一百四十六條之七 8. A violation of the provisions relating to limits on loans or other
第一項所定辦法中有關放款或 transactions as set out in regulations prescribed by the competent
其他交易限額之規定，或第三 authority pursuant to Article 146-7, paragraph 1, or of the provisions
項所定辦法中有關決議程序或 relating to procedures for the adoption of resolutions or limits on
限額之規定。 transaction size as set out in regulations prescribed by the competent
authority pursuant to Article 146-7, paragraph 3.
九、違反第一百四十六條之九 9. A violation of the provisions of Article 146-9, paragraph 1, 2, or
第一項、第二項或第三項規定。 3.
保險業依第一百四十六條之三 Where a secured loan made by an insurance enterprise under Article
第三項或第一百四十六條之八 146-3, paragraph 3 or Article 146-8, paragraph 1 is not fully secured
第一項規定所為之放款無十足 or the conditions are better than those extended to other loanees of
擔保或條件優於其他同類放款 the same class, the person responsible for the act shall be sentenced
對象者，其行為負責人，處三 to imprisonment for not more than three years or detention, and in
年以下有期徒刑或拘役，得併 addition may be assessed a criminal fine of not more than New
科新臺幣二千萬元以下罰金。 Taiwan Dollars twenty million.
保險業依第一百四十六條之三 Where a secured loan made by an insurance enterprise under Article
第三項或第一百四十六條之八 146-3, paragraph 3 or Article 146-8, paragraph 1 reaches or exceeds
第一項規定所為之擔保放款達 the monetary amount prescribed by the competent authority without
主管機關規定金額以上，未經 approval by three-quarters of the directors present at a board of
董事會三分之二以上董事之出 directors meeting attended by at least two-thirds of the directors, or
席及出席董事四分之三以上同 where an insurance enterprise violates the provisions relating to loan
意者，或違反第一百四十六條 limits and aggregate loan balances as set out in regulations
之三第三項所定辦法中有關放 prescribed by the competent authority pursuant to Article 146-3,
款限 額 、放款 總餘額之規 定 paragraph 3, the person responsible for the act shall be assessed an
者，其行為負責人，處新臺幣 administrative fine of not less than New Taiwan Dollars two million
二百萬元以上一千萬元以下罰 but not more than New Taiwan Dollars ten million.
鍰。

第 168-1 條 Article 168-1

主管機關依第一百四十八條規 Where the competent authority, pursuant to Article 148, dispatches
定派員，或委託適當機構或專 an officer or commissions an appropriate institution or expert to
業經驗人員，檢查保險業之業 inspect the business and financial conditions of an insurance
務及財務狀況或令保險業於限 enterprise, or orders an insurance enterprise to report the status of its
期內報告營業狀況時，保險業 business within a specific time limit, a responsible person or an
之負責人或職員有下列情形之 employee of the insurance enterprise who commits any of the
一者，處新臺幣一百八十萬元 following acts shall be assessed an administrative fine of not less
以上九百萬元以下罰鍰： than New Taiwan Dollars one million and eight hundred thousand
but not more than New Taiwan Dollars nine million:
一、拒絕檢查或拒絕開啟金庫 1. Refusing to allow inspection or to open the safe or other storage
或其他庫房。 areas.
二、隱匿或毀損有關業務或財 2. Concealing or destroying account books or documents related to
務狀況之帳冊文件。 the enterprise's business or financial conditions.
三、無故對檢查人員之詢問不 3. Refusing to respond to, or making false representation in response
為答復或答復不實。 to, an investigator's queries without cause.
四、逾期提報財務報告、財產 4. Missing the deadline for submission of financial reports, a list of
目錄或其他有關資料及報告， assets, or other related information and reports, or in submitting
或提報不實、不全或未於規定 such items, making false or incomplete representations, or missing

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期限內繳納查核費用者。 the deadline for payment of inspection fees.

保險業之關係企業或其他金融 Where the competent authority dispatches an officer to conduct
機構，於主管機關依第一百四 inspection pursuant to Article 148, paragraph 4, an affiliate of the
十八條第四項派員檢查時，怠 insurance enterprise, or any other financial institution related
於提供財務報告、帳冊、文件 thereto, that fails to submit the financial statements, account books,
或相關交易資料者，處新臺幣 documents, or relevant transaction records shall be assessed an
一百八十萬元以上九百萬元以 administrative fine of not less than New Taiwan Dollars one million
下罰鍰。 eight hundred thousand but not more than New Taiwan Dollars nine
million.

第 168-2 條 Article 168-2

保險業負責人或職員或以他人 Where a responsible person or employee of an insurance enterprise,
名義投資而直接或間接控制該 or any person using another person's name to make investments
保險業之人事、財務或業務經 through which he or she is able to directly or indirectly control the
營之人，意圖為自己或第三人 personnel, financial, or business operations of an insurance
不法之利益，或損害保險業之 enterprise, operates the insurance enterprise improperly with intent
利益，而為違背保險業經營之 to reap illegal gains for himself/herself or a third party or to harm
行為，致生損害於保險業之財 the interests of the insurance enterprise, and by such action harms
產或利益者，處三年以上十年 property or interests of the insurance enterprise, shall be sentenced
以下有期徒刑，得併科新臺幣 to a prison term of not less than three years but not more than 10
一千 萬元以上 二億元以下 罰 years, and in addition thereto, may also be assessed a criminal fine
金。其犯罪所得達新臺幣一億 of not less than New Taiwan Dollars 10 million but not more than
元以上者，處七年以上有期徒 New Taiwan Dollars two hundred million. Where gains from the
刑，得併科新臺幣二千五百萬 crime are New Taiwan Dollars one hundred million or more, such
元以上五億元以下罰金。 person shall be punished by a prison term of not less than seven
years, and in addition may be assessed a criminal fine of not less
than New Taiwan Dollars twenty-five million but not more than
more than New Taiwan Dollars five hundred million.
保險業負責人或職員或以他人 Where two or more responsible persons or employees of an
名義投資而直接或間接控制該 insurance enterprise, or persons using other people's names to make
保險業之人事、財務或業務經 investments through which they are able to exercise direct or
營之人，二人以上共同實施前 indirect control over the personnel, financial, and business matters
項犯罪之行為者，得加重其刑 of an insurance enterprise, act jointly in committing a crime
至二分之一。 described in the preceding paragraph, the penalty may be increased
by up to one-half.
第一項之未遂犯罰之。 Any attempted offense described in paragraph 1 shall be punishable.

第 168-3 條 Article 168-3

犯第一百六十七條或第一百六 A person who commits an offense as set out in Article 167 or
十八條之二之罪，於犯罪後自 Article 168-2 and subsequently voluntarily surrenders himself or
首，如有犯罪所得並自動繳交 herself before the offense is discovered, if there is criminal gain and
全部所得財物者，減輕或免除 he or she voluntarily hands over the gained assets in full, shall have
其刑；並因而查獲其他正犯或 his or her punishment reduced or remitted. Where another principal
共犯者，免除其刑。 offender or an accomplice is captured as a result, his or her
punishment shall be remitted.
犯第一百六十七條或第一百六 A person who commits an offense as set out in Article 167 or
十八條之二之罪，在偵查中自 Article 168-2 and confesses during the prosecutorial inquiry, if there
白，如有犯罪所得並自動繳交 is criminal gain and he or she voluntarily hands over the gained
全部所得財物者，減輕其刑； assets in full, shall have his or her punishment reduced. Where

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並因 而查獲其 他正犯或共 犯 another principal offender or an accomplice is captured as a result,

者，減輕其刑至二分之一。 his or her punishment shall be reduced by one-half.
犯第一百六十七條或第一百六 Where the criminal benefit gained by a person through commission
十八條之二之罪，其犯罪所得 of the offense in Article 167 or Article 168-2 exceeds the maximum
利益超過罰金最高額時，得於 amount of the criminal fine, the fine may be increased within the
所得利益之範圍內加重罰金； scope of the benefit gained; if the stability of the insurance market is
如損及保險市場穩定者，加重 harmed, the fine shall be increased by one-half.
其刑至二分之一。

第 168-4 條 Article 168-4

犯本法之罪，因犯罪所得財物 Any asset or property benefit gained through commission of a crime
或財產上利益，除應發還被害 under this Act, other than that which shall be returned to a victim or
人或得請求損害賠償之人外， person entitled to claim damages, and where it belongs to the
屬於犯人者，沒收之。如全部 offender, shall be confiscated. If the whole or a part of such gain
或一部不能沒收時，追徵其價 cannot be confiscated, the value thereof shall be collected from the
額或以其財產抵償之。 offender or satisfied out of his or her property.

第 168-5 條 Article 168-5

犯本法之罪，所科罰金達新臺 Where a criminal fine assessed for an offense under this Act is New
幣五 千萬元以 上而無力完 納 Taiwan Dollars fifty million or more and the offender lacks the
者， 易服勞役 期間為二年 以 ability to pay it in full, it shall be commuted to labor for a period of
下，其折算標準以罰金總額與 not more than two years, to be calculated by the ratio of the total
二年之日數比例折算；所科罰 amount of the fine to the number of days in two years; where the
金達新臺幣一億元以上而無力 criminal fine assessed is New Taiwan Dollars one hundred million
完納者，易服勞役期間為三年 or more and the offender lacks the ability to pay it in full, it shall be
以下，其折算標準以罰金總額 commuted to labor for a period of not more than three years, to be
與三年之日數比例折算。 calculated by the ratio of the total amount of the fine to the number
of days in three years.

第 168-6 條 Article 168-6

第一百六十八條之二第一項之 Where "a responsible person or employee of an insurance
保險業負責人、職員或以他人 enterprise, or any person using another person's name to make
名義投資而直接或間接控制該 investments through which he or she is able to directly or indirectly
保險業之人事、財務或業務經 control the personnel, financial, or business operations of an
營之人所為之無償行為，有害 insurance enterprise" as set forth in Article 168-2, paragraph 1 does
及保險業之權利者，保險業得 any gratuitous act that is prejudicial to the rights of an insurance
聲請法院撤銷之。 enterprise, the insurance enterprise may petition a court to revoke
the act.
前項之保險業負責人、職員或 Where "a responsible person or employee of an insurance
以他人名義投資而直接或間接 enterprise, or any person using another person's name to make
控制該保險業之人事、財務或 investments through which he or she is able to directly or indirectly
業務 經營之人 所為之有償 行 control the personnel, financial, or business operations of an
為，於行為時明知有損害於保 insurance enterprise" as set forth in the preceding paragraph does
險業之權利，且受益之人於受 any non-gratuitous act knowing at the time of the act that it is
益時亦知其情事者，保險業得 prejudicial to the rights of an insurance enterprise and the
聲請法院撤銷之。 beneficiary of the act also knows the circumstances at the time the
benefit is received, the insurance enterprise may petition a court to
revoke the act.
依前 二項規定 聲請法院撤 銷 A party petitioning for revocation in accordance with either of the

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時，得並聲請命受益之人或轉 preceding two paragraphs may also petition the court to order the
得人回復原狀。但轉得人於轉 beneficiary or any party to whom the benefit is transferred to restore
得時不知有撤銷原因者，不在 the status quo ante, provided this does not apply where the party to
此限。 whom the benefit is transferred was not aware at the time of transfer
that there was cause for revocation.
第一項之保險業負責人、職員 Any disposition of property between "a responsible person or
或以他人名義投資而直接或間 employee of an insurance enterprise, or any person using another
接控制該保險業之人事、財務 person's name to make investments through which he or she is able
或業務經營之人與其配偶、直 to directly or indirectly control the personnel, financial, or business
系親屬、同居親屬、家長或家 operations of an insurance enterprise" as set forth in paragraph 1 and
屬間所為之處分其財產行為， such a person's spouse, lineal relative, cohabiting relative, head of
均視為無償行為。 household, or family member shall be deemed a non-gratuitous act.
第一項之保險業負責人、職員 Any disposition of property between "a responsible person or
或以他人名義投資而直接或間 employee of an insurance enterprise, or any person using another
接控制該保險業之人事、財務 person's name to make investments through which he or she is able
或業務經營之人與前項以外之 to directly or indirectly control the personnel, financial, or business
人所為之處分其財產行為，推 operations of an insurance enterprise" as set forth in paragraph 1 and
定為無償行為。 any person other than those set forth in the preceding paragraph
shall be presumed to be a non-gratuitous act.
第一項及第二項之撤銷權，自 The right of revocation under paragraphs 1 and 2 shall be
保險業知有撤銷原因時起，一 extinguished one year after the time the insurance enterprise learns
年間不行使，或自行為時起經 there is cause for voidance if the insurance enterprise fails to
過十年而消滅。 exercise, or 10 years after the time of the act.

第 168-7 條 Article 168-7

第一百六十八條之二第一項之 The crimes set forth in Article 168-2, paragraph 1 are serious crimes
罪，為洗錢防制法第三條第一 as defined in Article 3, paragraph 1 of the Money Laundering
項所定之重大犯罪，適用洗錢 Control Act.
防制法之相關規定。

第 169 條 Article 169

保險業違反第七十二條規定超 If an insurance enterprise violates the provisions of Article 72 of
額承 保者 ，除 違反部分無 效 this Act by underwriting insurance in excess of the value of the
外，處新臺幣四十五萬元以上 subject matter insured, the portion in violation shall become void,
二百二十五萬元以下罰鍰。 and the offense shall also be punished by an administrative fine of
not less than New Taiwan Dollars four hundred fifty thousand but
not more than New Taiwan Dollars two million two hundred fifty
thousand.

第 169-1 條 Article 169-1

（刪除） (Deleted)

第 169-2 條 Article 169-2

保險業對於安定基金之提撥， If an insurance enterprise fails to pay its stabilization fund
如未依限或拒絕繳付者，主管 contributions in time or refuses to pay them, the competent authority
機關得視情節之輕重，處新臺 may, taking into consideration the seriousness of the violation,
幣二十四萬元以上一百二十萬 impose an administrative fine of not less than New Taiwan Dollars
元以下罰鍰，或勒令撤換其負 two hundred forty thousand but not more than New Taiwan Dollars
責人。 one million two hundred thousand, or order removal and

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replacement of the responsible person.

第 170 條 Article 170

（刪除） (Deleted)

第 170-1 條 Article 170-1

保險業辦理再保險業務違反第 Where an insurance enterprise violates the provisions relating to the
一百四十七條所定辦法中有關 manner in which insurance enterprises cede or assume reinsurance
再保險之分出、分入、其他危 or operate other risk spreading mechanisms, or limits applying
險分散機制業務之方式或限額 thereto, as set out in regulations prescribed by the competent
之規定者，處新臺幣九十萬元 authority pursuant to Article 147, an administrative fine of not less
以上四百五十萬元以下罰鍰。 than New Taiwan Dollars nine hundred thousand but not more than
four million five hundred thousand shall be imposed.
專業再保險業違反第一百四十 If a professional reinsurance enterprise violates the provisions
七條之一第二項所定辦法中有 relating to business scope or financial management as set out in
關業務範圍或財務管理之規定 regulations prescribed by the competent authority pursuant to
者，處新臺幣九十萬元以上四 Article 147-1, paragraph 2, an administrative fine of not less than
百五十萬元以下罰鍰。 New Taiwan Dollars nine hundred thousand but not more than four
million five hundred thousand shall be imposed.

第 171 條 Article 171

保險業違反第一百四十四條、 An insurance enterprise that violates the provisions of Article 144 or
第一百四十五條規定者，處新 145 shall be assessed an administrative fine of not less than New
臺幣六十萬元以上三百萬元以 Taiwan Dollars six hundred thousand but not more than New
下罰鍰，並得撤換其核保或精 Taiwan Dollars three million, and in addition thereto may be
算人員。 ordered to remove and replace its underwriters or actuaries.

第 171-1 條 Article 171-1

保險業違反第一百四十八條之 An insurance enterprise that violates the provisions of Article 148-1,
一第一項或第二項規定者，處 paragraph 1 or 2 shall be assessed an administrative fine of not less
新臺幣六十萬元以上三百萬元 than New Taiwan Dollars six hundred thousand but not more than
以下罰鍰。 New Taiwan Dollars three million.
保險業違反第一百四十八條之 An insurance enterprise that violates the provisions of Article 148-2,
二第一項規定，未提供說明文 paragraph 1 by not making explanatory documents publicly
件供查閱、或所提供之說明文 available for inspection, or submitting explanatory documents that
件未依規定記載，或所提供之 do not contain required information, or submitting explanatory
說明文件記載不實，處新臺幣 documents containing misrepresentations, shall be assessed an
六十萬元以上三百萬元以下罰 administrative fine of not less than New Taiwan Dollars six hundred
鍰。 thousand but not more than New Taiwan Dollars three million.
保險業違反第一百四十八條之 An insurance enterprise that violates the provisions of Article 148-2,
二第二項規定，未依限向主管 paragraph 2 by failing to report to the competent authority or to
機關報告或主動公開說明，或 provide a public explanation within the specified time period, or by
向主管機關報告或公開說明之 making false representations in its reports to the competent authority
內容不實，處新臺幣三十萬元 or public explanations, shall be assessed an administrative fine of
以上一百五十萬元以下罰鍰。 not less than New Taiwan Dollars three hundred thousand but not
保險業違反第一百四十八條之 more than New Taiwan Dollars one million five hundred thousand.
三第一項規定，未建立或未執 An insurance enterprise that violates the provisions of Article 148-3,
行內部控制或稽核制度，處新 paragraph 1 by failing to establish or enforce internal control or
臺幣六十萬元以上三百萬元以 auditing systems shall be assessed an administrative fine of not less

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下罰鍰。 than New Taiwan Dollars six hundred thousand but not more than
New Taiwan Dollars three million.
保險業違反第一百四十八條之 An insurance enterprise that violates the provisions of Article 148-3,
三第二項規定，未建立或未執 paragraph 2 by failing to establish or enforce internal handling
行內部處理制度或程序，處新 systems or procedures shall be assessed an administrative fine of not
臺幣六十萬元以上三百萬元以 less than New Taiwan Dollars six hundred thousand but not more
下罰鍰。 than New Taiwan Dollars three million.

第 172 條 Article 172

保險 業經撤銷 登記延不清 算 If an insurance enterprise that has had its registration voided delays
者，得處負責人各新臺幣六十 in carrying out liquidation procedures, each responsible person may
萬元以上三百萬元以下罰鍰。 be assessed an administrative fine of not less than New Taiwan
Dollars six hundred thousand but not more than New Taiwan
Dollars three million.

第 172-1 條 Article 172-1

保險業於主管機關監管、接管 When an insurance enterprise has been ordered by the competent
或勒令停業清理時，其董（理） authority into conservatorship, receivership, or suspension of
事、監察人（監事）、經理人 business and rehabilitation, the directors, supervisors, managers, or
或其 他職員有 下列情形之 一 other staff of the insurance enterprise shall, under any of the
者，處一年以上七年以下有期 following circumstances, be sentenced to imprisonment of not less
徒刑，得併科新臺幣二千萬元 than one year but not more than seven years, and may in addition be
以下罰金： assessed a criminal fine of not more than New Taiwan Dollars
twenty million:
一、拒絕將保險業業務財務有 1. It refuses to transfer to the conservator, receiver, or rehabilitator
關之帳冊、文件、印章及財產 account books and documents, seals, and a list of assets related to
等列表移交予監管人、接管人 the insurance enterprise's business and financial matters, or fails to
或清理人或不為全部移交。 transfer them completely.
二、隱匿或毀損與業務有關之 2. It conceals or destroys account books or documents related to
帳冊、隱匿或毀棄該保險業之 business matters, conceals or destroys assets of the insurance
財產，或為其他不利於債權人 enterprise, or otherwise disposes thereof to the detriment of
之處分。 creditors' rights.
三、捏造債務，或承認不真實 3. It counterfeits a debt or acknowledges false debts.
之債務。
四、無故拒絕監管人、接管人 4. It refuses to respond to the inquiries of the conservator, receiver
或清理人之詢問，或對其詢問 or rehabilitator without cause, or responds with untrue answers,
為虛偽之答覆，致影響被保險 thereby affecting the rights and interests of insured persons or
人或受益人之權益者。 beneficiaries.

第 172-2 條 Article 172-2

保險業經依本節規定處罰後， If an insurance enterprise, after having been punished in accordance
於規定限期內仍不予改正者， with the provisions of this Section, fails to make corrections within
得對其同一事實或行為，再予 the time period provided that the punishment for the same fact or
加一倍至五倍處罰。 action may be increased by 100 percent to 500 percent.

第 173 條 Article 173

（刪除） (Deleted)

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第六章 附則 Chapter VI. Supplementary Provisions

第 174 條 Article 174

社會保險另以法律定之。 Social insurance is to be separately prescribed by an act of law.

第 174-1 條 Article 174-1

法院為審理違反本法之犯罪案 A court may establish a specialized division or designate a specific
件，得設立專業法庭或指定專 person(s) to try criminal cases involving violation of this Act.
人辦理。

第 175 條 Article 175

本法施行細則，由主管機關定 Enforcement Rules to this Act shall be prescribed by the competent
之。 authority.

第 175-1 條 Article 175-1

為促進我國與其他國家保險市 In order to further international cooperation between the competent
場主管機關之國際合作，政府 insurance authorities of the ROC government and foreign countries,
或其授權之機構依互惠原則， the ROC government and agencies (or institutions) authorized by it
得與外國政府、機構或國際組 may, based on the principle of reciprocity, enter into a cooperative
織，就資訊交換、技術合作、 treaty or agreement with a foreign government or agency
協助調查等事項，簽訂合作條 (institution), or with an international organization, to facilitate
約或協定。 matters such as information exchange, technical cooperation, and
investigative assistance.
除有妨害國家利益或投保大眾 Unless such action otherwise conflicts with the interests of the state
權益者外，主管機關依前項簽 or the rights of the insurance-buying public, the competent authority
訂之條約或協定，得洽請相關 may, in accordance with the treaty or agreement made pursuant to
機關 、機構依 法提供必要 資 the preceding paragraph, request the provision of necessary
訊，並基於互惠及保密原則， information from related authorities and agencies (institutions) in
提供予與我國簽訂條約或協定 accordance with the law, and based on the principles of reciprocity
之外國政府、機構或國際組織。 and confidentiality, provide such information to the foreign
government, agency (institution), or international organization
which has executed the given treaty or agreement with the ROC
government.

第 176 條 Article 176

保險業之設立、登記、轉讓、 The establishment, registration, transfer, merger, and dissolution
合併及解散清理，除依公司法 and rehabilitation of insurance enterprises shall, in addition to being
規定外，應將詳細程序明訂於 carried out in accordance with the provisions of the Company Act,
管理辦法內。 be further subject to detailed procedures set forth in the Regulations
Governing the Administration of Insurance Enterprises.

第 177 條 Article 177

代理人、經紀人、公證人及保 Regulations governing compliance matters related to agents,
險業務員之資格取得、登錄、 brokers, surveyors, and insurance solicitors (including the obtaining
撤銷登錄、教育訓練、懲處及 of qualifications, registration, voidance of registration, education,
其他應遵行事項之管理規則， training, and disciplinary matters) shall be prescribed by the
由主管機關定之。 competent authority.

第 178 條 Article 178

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本法除中華民國九十五年五月 With the exception of the provisions amended and promulgated on

三十日修正公布之條文自中華 30 May 2006, which will enter into force from 1 July 2007, this Act
民國 九十五年 七月一日施 行 shall enter into force from the date of promulgation.
外，自公布日施行。

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