Article 84 Marine insurance is governed by the provisions of the Marine Insurance Chapter of the Maritime Act.

　　第三節(jié)陸空保險(xiǎn)Section 3. Land and Air Insurance

　　第85 條陸上、內(nèi)河及航空保險(xiǎn)人，對(duì)于保險(xiǎn)標(biāo)的物，除契約另有訂定外，因陸上、內(nèi)河及航空一切事變及災(zāi)害所致之毀損、滅失及費(fèi)用，負(fù)賠償之責(zé)。

　　第86 條關(guān)于貨物之保險(xiǎn)，除契約另有訂定外，自交運(yùn)之時(shí)以迄于其目的地收貨之時(shí)為其期間。

　　Article 85 Unless otherwise stipulated in the contract, land, inland waterway, and aviation insurers are liable, with respect to the subject matter insured, to indemnify for damage, loss, and expenses arising out of all accidents and calamities on land, inland waterways, or in the air.

　　Article 86 With regard to cargo insurance, unless otherwise stipulated in the contract, the term of insurance begins from the time of delivery for transport and continues to the time the cargo is received at the place of destination.

　　第87 條保險(xiǎn)契約，除記載第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列事項(xiàng)：

　　一、運(yùn)送路線及方法。二、運(yùn)送人姓名或商號(hào)名稱。三、交運(yùn)及取貨地點(diǎn)。四、運(yùn)送有期限者，其期限。

　　第88 條因運(yùn)送上之必要，暫時(shí)停止或變更運(yùn)送路線或方法時(shí)，保險(xiǎn)契約除另有訂定外，仍繼續(xù)有效。

　　第89 條航行內(nèi)河船舶運(yùn)費(fèi)及裝載貨物之保險(xiǎn)，除本節(jié)另有規(guī)定外，準(zhǔn)用海上保險(xiǎn)有關(guān)條文之規(guī)定。

　　Article 87 An insurance contract, in addition to specifying the particulars provided in Article 55, shall also specify the following particulars:

　　1. Route and method of transportation.

　　2. Personal name and business name of transporter.

　　3. Place of delivery for transport and place of cargo collection.

　　4. Deadline for transportation, if any.

　　Article 88 If, due to transportation needs, transportation is temporarily suspended or the route or method of transportation is altered, the insurance contract remains valid unless otherwise stipulated therein.

　　Article 89 Unless otherwise provided for in this Section, the relevant provisions for marine insurance apply mutatis mutandis to hull, freight, and cargo insurance for vessels navigating inland waterways.

　　第四節(jié)責(zé)任保險(xiǎn)Section 4. Liability Insurance

　　第90 條責(zé)任保險(xiǎn)人于被保險(xiǎn)人對(duì)于第三人，依法應(yīng)負(fù)賠償責(zé)任，而受賠償之請(qǐng)求時(shí)，負(fù)賠償之責(zé)。

　　Article 90 When the insured is legally obligated to indemnify a third party and receives a claim in connection therewith, the liability insurer is liable to provide indemnification.

　　第91 條被保險(xiǎn)人因受第三人之請(qǐng)求而為抗辯，所支出之訴訟上或訴訟外之必要費(fèi)用，除契約另有訂定外，由保險(xiǎn)人負(fù)擔(dān)之。被保險(xiǎn)人得請(qǐng)求保險(xiǎn)人墊給前項(xiàng)費(fèi)用。

　　第92 條保險(xiǎn)契約系為被保險(xiǎn)人所營(yíng)事業(yè)之損失賠償責(zé)任而訂立者，被保險(xiǎn)人之代理人、管理人或監(jiān)督人所負(fù)之損失賠償責(zé)任，亦享受保險(xiǎn)之利益，其契約視同并為第三人之利益而訂立。

　　Article 91 All necessary litigation or non-litigation expenses incurred by the insured to raise a defense against a third party's claim shall, unless otherwise stipulated in the contract, be borne by the insurer. The insured may request that the insurer advance the expenses referred to in the preceding paragraph.

　　Article 92 Where an insurance contract has been entered into to cover the liability of an enterprise run by the insured for loss indemnification, liability for loss indemnification borne by any agent, manager, or supervisor of the insured shall also be entitled to the benefit of the insurance, and the contract shall be deemed to have been entered into concurrently for the benefit of third parties.

　　第93 條保險(xiǎn)人得約定被保險(xiǎn)人對(duì)于第三人就其責(zé)任所為之承認(rèn)、和解或賠償，未經(jīng)其參與者，不受拘束。但經(jīng)要保人或被保險(xiǎn)人通知保險(xiǎn)人參與而無(wú)正當(dāng)理由拒絕或借故遲延者，不在此限。

　　第94 條保險(xiǎn)人于第三人由被保險(xiǎn)人應(yīng)負(fù)責(zé)任事故所致之損失，未受賠償以前，不得以賠償金額之全部或一部給付被保險(xiǎn)人。被保險(xiǎn)人對(duì)第三人應(yīng)負(fù)損失賠償責(zé)任確定時(shí)，第三人得在保險(xiǎn)金額范圍內(nèi)，依其應(yīng)得之比例，直接向保險(xiǎn)人請(qǐng)求給付賠償金額。

　　第95 條保險(xiǎn)人得經(jīng)被保險(xiǎn)人通知，直接對(duì)第三人為賠償金額之給付。

　　Article 93 An insurer may stipulate in a contract that any acknowledgment, settlement, or indemnification made by the insured in connection with its liability toward a third party without the participation of the insurer is not binding on the insurer, provided that this rule does not apply where the insurer, having been requested by the proposer or insured to participate, has refused to do so without legitimate reason or has delayed its participation on pretext.

　　Article 94 Prior to indemnification of a third party for loss caused by an event attributable to the insured, an insurer may not pay all or any part of the insured amount to an insured. Where the insured has been determined liable to indemnify a third party for loss, the third party may claim for payment of indemnification, within the scope of the insured amount and based on the ratio to which the third party is entitled, directly from the insurer.

　　Article 95 The insurer may, upon being notified by the insured, indemnify the third party directly.

　　第四節(jié)之一保證保險(xiǎn)Section 4-1. Bonding Insurance

　　第95-1 條保證保險(xiǎn)人于被保險(xiǎn)人因其受雇人之不誠(chéng)實(shí)行為或其債務(wù)人之不履行債務(wù)所致?lián)p失，負(fù)賠償之責(zé)。

　　Article 95-1 A bonding insurer is liable to indemnify the insured for loss incurred through dishonest acts by the insured's employees or through non-performance of obligations by its obligors.

　　第95-2 條以受雇人之不誠(chéng)實(shí)行為為保險(xiǎn)事故之保證保險(xiǎn)契約，除記載第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列事項(xiàng)：

　　一、被保險(xiǎn)人之姓名及住所。二、受雇人之姓名、職稱或其他得以認(rèn)定為受雇人之方式。

　　第95-3 條以債務(wù)人之不履行債務(wù)為保險(xiǎn)事故之保證保險(xiǎn)契約，除記載第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列事項(xiàng)：

　　一、被保險(xiǎn)人之姓名及住所。

　　二、債務(wù)人之姓名或其它得以認(rèn)定為債務(wù)人之方式。

　　Article 95-2 Bonding insurance contracts for which dishonest acts by the insured's employees constitute the insured peril shall, in addition to the particulars provided in Article 55, also contain the following particulars:

　　1. Insured's name and domicile.

　　2. Employee's name and title or other means of identifying the employee.

　　Article 95-3 Bonding insurance contracts for which non-performance of obligations by the insured's obligors constitute the insured peril shall, in addition to the particulars provided for in Article 55, also contain the following particulars:

　　1. Insured's name and domicile.

　　2. Obligor's name or other means of identifying the obligor.

　　第五節(jié)其它財(cái)產(chǎn)保險(xiǎn)Section 5. Other Non-life Insurance

　　第96 條其它財(cái)產(chǎn)保險(xiǎn)為不屬于火災(zāi)保險(xiǎn)、海上保險(xiǎn)、陸空保險(xiǎn)、責(zé)任保險(xiǎn)及保證保險(xiǎn)之范圍，而以財(cái)物或無(wú)形利益為保險(xiǎn)標(biāo)的之各種保險(xiǎn)。

　　第97 條保險(xiǎn)人有隨時(shí)查勘保險(xiǎn)標(biāo)的物之權(quán)，如發(fā)現(xiàn)全部或一部份處于不正常狀態(tài)，經(jīng)建議要保人或被保險(xiǎn)人修復(fù)后，再行使用。如要保人或被保險(xiǎn)人不接受建議時(shí)，得以書面通知終止保險(xiǎn)契約或其有關(guān)部份。

　　第98 條要保人或被保險(xiǎn)人，對(duì)于保險(xiǎn)標(biāo)的物未盡約定保護(hù)責(zé)任所致之損失，保險(xiǎn)人不負(fù)賠償之責(zé)。危險(xiǎn)事故發(fā)生后，經(jīng)鑒定系因要保人或被保險(xiǎn)人未盡合理方法保護(hù)標(biāo)的物，因而增加之損失，保險(xiǎn)人不負(fù)賠償之責(zé)。

　　第99 條保險(xiǎn)標(biāo)的物受部份之損失，經(jīng)賠償或回復(fù)原狀后，保險(xiǎn)契約繼續(xù)有效。但與原保險(xiǎn)情況有異時(shí)，得增減其保險(xiǎn)費(fèi)。

　　Article 96 The term "other non-life insurance" refers to insurance of various kinds not within the scope of fire insurance, marine insurance, land and air insurance, liability insurance, and bonding insurance, and in which property or intangible interests constitute the subject matter insured.

　　Article 97 An insurer has the right to inspect the subject matter insured at any time. If the insurer discovers that all or part of it is in abnormal condition, the insurer has the right to suggest that the proposer or the insured should repair it before further use. If the proposer or the insured refuses the suggestion, the insurer may terminate the insurance contract or relevant parts of it by written notice.

　　Article 98 An insurer is not liable to indemnify for any loss resulting from failure of the proposer or the insured to fulfill its contractual duty to protect the subject matter insured. If, after occurrence of the risk insured, assessment shows that loss was increased due to failure of the proposer or the insured to take reasonable measures to protect the subject matter insured, the insurer is not liable to indemnify for such increased loss.

　　Article 99 If the subject matter insured sustains partial loss, the insurance contract shall remain valid after indemnification has been made or the subject matter has been restored to its original condition. However, the premium may be increased or decreased if the condition of the subject matter differs from that originally insured.

　　第四章人身保險(xiǎn)Chapter IV. Insurance of the Person

　　第一節(jié)人壽保險(xiǎn)Section 1. Life Insurance

　　第101 條人壽保險(xiǎn)人于被保險(xiǎn)人在契約規(guī)定年限內(nèi)死亡，或?qū)闷跫s規(guī)定年限而仍生存時(shí)，依照契約負(fù)給付保險(xiǎn)金額之責(zé)。

　　第102 條人壽保險(xiǎn)之保險(xiǎn)金額，依保險(xiǎn)契約之所定。

　　第103 條人壽保險(xiǎn)之保險(xiǎn)人，不得代位行使要保人或受益人因保險(xiǎn)事故所生對(duì)于第三人之請(qǐng)求權(quán)。

　　第104 條人壽保險(xiǎn)契約，得由本人或第三人訂立之。

　　第105 條由第三人訂立之死亡保險(xiǎn)契約，未經(jīng)被保險(xiǎn)人書面同意，并約定保險(xiǎn)金額，其契約無(wú)效。被保險(xiǎn)人依前項(xiàng)所為之同意，得隨時(shí)撤銷之。其撤銷之方式應(yīng)以書面通知保險(xiǎn)人及要保人。被保險(xiǎn)人依前項(xiàng)規(guī)定行使其撤銷權(quán)者，視為要保人終止保險(xiǎn)契約。

　　第106 條由第三人訂立之人壽保險(xiǎn)契約，其權(quán)利之移轉(zhuǎn)或出質(zhì)，非經(jīng)被保險(xiǎn)人以書面承認(rèn)者，不生效力。

　　Article 101 A life insurer is obligated to pay the insured amount in accordance with the contract when the insured dies within the time limit set forth in the contract or is still alive when the time limit set forth in the contract expires.

　　Article 102 The insured amount in life insurance is that set forth in the insurance contract.

　　Article 103 A life insurer may not be subrogated to a right of claim of the proposer or the beneficiary against a third party, where such claim arises out of occurrence of an insured peril.

　　Article 104 A life insurance contract may be entered into by the insured, or by a third party.

　　Article 105 A life insurance contract against death entered into by a third party without written consent of the insured and stipulation of the insured amount shall be void. An insured who has given consent as stated in the preceding paragraph may withdraw the consent at any time. Such withdrawal of consent shall be made in writing to the insurer and the proposer. When the insured exercises the right to withdraw consent as stated in the preceding paragraph, the contract shall be deemed terminated by the proposer.

　　Article 106 Transfer or pledge of rights under a life insurance contract entered into by a third party shall not take effect without the written acknowledgement of the insured.

　　第107 條以未滿十五歲之未成年人為被保險(xiǎn)人訂立之人壽保險(xiǎn)契約，其死亡給付于被保險(xiǎn)人滿十五歲之日起發(fā)生效力;被保險(xiǎn)人滿十五歲前死亡者，保險(xiǎn)人得加計(jì)利息退還所繳保險(xiǎn)費(fèi)，或返還投資型保險(xiǎn)專設(shè)帳簿之帳戶價(jià)值。前項(xiàng)利息之計(jì)算，由主管機(jī)關(guān)另定之。訂立人壽保險(xiǎn)契約時(shí)，以精神障礙或其它心智缺陷，致不能辨識(shí)其行為或欠缺依其辨識(shí)而行為之能力者為被保險(xiǎn)人，除喪葬費(fèi)用之給付外，其余死亡給付部分無(wú)效。前項(xiàng)喪葬費(fèi)用之保險(xiǎn)金額，不得超過(guò)遺產(chǎn)及贈(zèng)與稅法第十七條有關(guān)遺產(chǎn)稅喪葬費(fèi)扣除額之一半。第一項(xiàng)至第四項(xiàng)規(guī)定，于其它法律另有規(guī)定者，從其規(guī)定。

　　Article 107 If, at the time a life insurance contract is entered into, the insured is a minor under fifteen years of age, the death benefits shall take effect on the date the insured reaches fifteen years of age. If the insured dies before reaching fifteen years of age, the insurer shall refund all premiums paid with or without interest, or refund the account value of the insured in a separate account set up for investment-linked insurance. The calculation of interest mentioned in the preceding paragraph will be set forth by the competent authority. If, at the time a life insurance contract is entered into, the insured is mentally impaired or of diminished mental capacity that he or she is incapable of comprehending his or her own action or lacks the ability to act based on his or her comprehension, all death benefits other than funeral expense benefits shall be void. The insured amount for the funeral expenses referred to in the preceding paragraph may not exceed one half of the funeral expense deduction allowed for estate tax under Article 17 of the Estate and

　　Gift Tax Act. If the provisions in paragraph 1 to paragraph 4 are otherwise provided in other laws, such other laws shall prevail.

　　第108 條人壽保險(xiǎn)契約，除記載第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列事項(xiàng)：

　　一、被保險(xiǎn)人之姓名、性別、年齡及住所。

　　二受益人姓名及與被保險(xiǎn)人之關(guān)系或確定受益人之方法。

　　三、請(qǐng)求保險(xiǎn)金額之保險(xiǎn)事故及時(shí)期。

　　四、依第一百十八條之規(guī)定，有減少保險(xiǎn)金額之條件者，其條件。

　　Article 108 A life insurance contract, besides specifying the particulars provided in Article 55, shall also specify the following particulars:

　　1. Name, sex, age, and domicile of the insured.

　　2. Names of beneficiaries and their relation to the insured, or a means of identifying the beneficiaries.

　　3. The insured perils for which the insured amount may be claimed, and the period for making the claim.

　　4. The conditions, if any, for reduction of the insured amount in accordance with the provisions of Article 118.

　　第109 條被保險(xiǎn)人故意自殺者，保險(xiǎn)人不負(fù)給付保險(xiǎn)金額之責(zé)任。但應(yīng)將保險(xiǎn)之保單價(jià)值準(zhǔn)備金返還于應(yīng)得之人。保險(xiǎn)契約載有被保險(xiǎn)人故意自殺，保險(xiǎn)人仍應(yīng)給付保險(xiǎn)金額之條款者，其條款于訂約二年后始生效力?；謴?fù)停止效力之保險(xiǎn)契約，其二年期限應(yīng)自恢復(fù)停止效力之日起算。被保險(xiǎn)人因犯罪處死或拒捕或越獄致死者，保險(xiǎn)人不負(fù)給付保險(xiǎn)金額之責(zé)任。但保險(xiǎn)費(fèi)已付足二年以上者，保險(xiǎn)人應(yīng)將其保單價(jià)值準(zhǔn)備金返還于應(yīng)得之人。

　　Article 109 If the insured willfully commits suicide, the insurer is not obligated to pay the insured amount, but the non-forfeiture value shall be refunded to the person entitled to receive it. If an insurance contract contains a provision specifying that the insurer shall still pay the insured amount even if the insured willfully commits suicide, such a provision shall come into effect only two years after the date on which the contract is entered into. In the case of reinstatement of a suspended insurance contract, such two-year period shall commence from the date of reinstatement. If the insured is executed for a crime or dies as the result of resisting arrest or escaping from jail, the insurer is not obligated to pay the insured amount. However, if premium has been paid in full for not less than two years, the insurer shall refund the amount of the non-forfeiture value to the person entitled to receive it.

　　第110 條要保人得通知保險(xiǎn)人，以保險(xiǎn)金額之全部或一部，給付其所指定之受益人一人或數(shù)人。前項(xiàng)指定之受益人，以于請(qǐng)求保險(xiǎn)金額時(shí)生存者為限。

　　第111 條受益人經(jīng)指定后，要保人對(duì)其保險(xiǎn)利益，除聲明放棄處分權(quán)者外，仍得以契約或遺囑處分之。要保人行使前項(xiàng)處分權(quán)，非經(jīng)通知，不得對(duì)抗保險(xiǎn)人。

　　第112 條保險(xiǎn)金額約定于被保險(xiǎn)人死亡時(shí)給付于其所指定之受益人者，其金額不得作為被保險(xiǎn)人之遺產(chǎn)。

　　第113 條死亡保險(xiǎn)契約未指定受益人者，其保險(xiǎn)金額作為被保險(xiǎn)人遺產(chǎn)。

　　第114 條受益人非經(jīng)要保人之同意，或保險(xiǎn)契約載明允許轉(zhuǎn)讓者，不得將其利益轉(zhuǎn)讓他人。

　　第115 條利害關(guān)系人，均得代要保人交付保險(xiǎn)費(fèi)。

　　Article 110 A proposer may notify the insurer to pay all or part of the insured amount to one or several of the designated beneficiaries. The designated beneficiaries referred to in the preceding paragraph are limited to those alive at the time the insured amount is claimed.

　　Article 111 After the beneficiaries have been designated, the proposer may still dispose of his or her insurable interest by contract or by will unless he or she has declared to waive the right of disposition. Exercise by the proposer of the right of disposition referred to in the preceding paragraph may not be raised as a defense against the insurer unless the insurer was given notice of such exercise.

　　Article 112 If it has been stipulated that the insured amount is to be paid upon death of the insured to the beneficiaries named thereby, such amount shall not be treated as part of the insured's estate.

　　Article 113 Where no beneficiary has been designated in a life insurance contract against death, the insured amount therein shall be treated as part of the insured's estate.

　　Article 114 A beneficiary may not assign its benefits to other persons unless the proposer consents or the insurance contract expressly permits such assignment.

　　Article 115 Any interested party may pay the premium on behalf of the proposer.

　　第116 條人壽保險(xiǎn)之保險(xiǎn)費(fèi)到期未交付者，除契約另有訂定外，經(jīng)催告到達(dá)后屆三十日仍不交付時(shí)，保險(xiǎn)契約之效力停止。催告應(yīng)送達(dá)于要保人，或負(fù)有交付保險(xiǎn)費(fèi)義務(wù)之人之最后住所或居所，保險(xiǎn)費(fèi)經(jīng)催告后，應(yīng)于保險(xiǎn)人營(yíng)業(yè)所交付之。第一項(xiàng)停止效力之保險(xiǎn)契約，于停止效力之日起六個(gè)月內(nèi)清償保險(xiǎn)費(fèi)、保險(xiǎn)契約約定之利息及其它費(fèi)用后，翌日上午零時(shí)起，開(kāi)始恢復(fù)其效力。要保人于停止效力之日起六個(gè)月后申請(qǐng)恢復(fù)效力者，保險(xiǎn)人得于要保人申請(qǐng)恢復(fù)效力之日起五日內(nèi)要求要保人提供被保險(xiǎn)人之可保證明，除被保險(xiǎn)人之危險(xiǎn)程度有重大變更已達(dá)拒絕承保外，保險(xiǎn)人不得拒絕其恢復(fù)效力。保險(xiǎn)人未于前項(xiàng)規(guī)定期限內(nèi)要求要保人提供可保證明或于收到前項(xiàng)可保證明后十五日內(nèi)不為拒絕者，視為同意恢復(fù)效力。保險(xiǎn)契約所定申請(qǐng)恢復(fù)效力之期限，自停止效力之日起不得低于二年，并不得遲于保險(xiǎn)期間之屆滿日。保險(xiǎn)人于前項(xiàng)所規(guī)定之期限屆滿后，有終止契約之權(quán)。保險(xiǎn)契約終止時(shí)，保險(xiǎn)費(fèi)已付

　　足二年以上，如有保單價(jià)值準(zhǔn)備金者，保險(xiǎn)人應(yīng)返還其保單價(jià)值準(zhǔn)備金。保險(xiǎn)契約約定由保險(xiǎn)人墊繳保險(xiǎn)費(fèi)者，于墊繳之本息超過(guò)保單價(jià)值準(zhǔn)備金時(shí)，其停止效力及恢復(fù)效力之申請(qǐng)準(zhǔn)用第一項(xiàng)至第六項(xiàng)規(guī)定。

　　Article 116 Unless otherwise stipulated in the contract, when a life insurance premium is due and unpaid, and remains unpaid upon thirty days after receipt of notice of payment due, the validity of the insurance contract shall be suspended. Notice of payment due shall be served to the most recent domicile or residence of the proposer or of the person under obligation to pay the premium. After notice of payment due has been served, the premium shall be paid at the business office of the insurer. A suspended insurance contract as referred to in paragraph 1 shall be reinstated at zero hours on the morning of the day after the premium, the interest stipulated in the insurance contract, and other expenses are paid, provided that such payment is made within six months from the date of suspension. Where the proposer applies for reinstatement more than six months after the date of suspension, the insurer may, within five days from the date on which the proposer applies for reinstatement, require that the proposer furnish proof of insurability for the insured, and the insurer may not refuse reinstatement unless the insured's degree of risk has undergone a change that is sufficiently material as to justify refusal to insure. Where the insurer does not require that the proposer furnish proof of insurability within the time period set out in the preceding paragraph, or it does not refuse reinstatement within 15 days from its receipt of the proof of insurability referred to in the preceding paragraph, it shall be deemed to have consented to reinstatement. The time period for applying for reinstatement stipulated in the insurance contract may not be less than two years from the date of suspension, nor may it extend beyond the expiration date of the policy period. The insurer has the right to terminate the contract upon expiration of the time period set forth in the preceding paragraph. Where the premium has been paid in full for two years or more at the time the insurance contract is terminated, if there is any non-forfeiture value, the insurer shall refund the non-forfeiture value. Where the insurance contract stipulates that the insurer shall provide premium loans, when the principal and interest of such a loan exceeds the non-forfeiture value, suspension of the contract and application for reinstatement shall be subject mutatis mutandis to the provisions of paragraph 1 to paragraph 6.

　　第117 條保險(xiǎn)人對(duì)于保險(xiǎn)費(fèi)，不得以訴訟請(qǐng)求交付。以被保險(xiǎn)人終身為期，不附生存條件之死亡保險(xiǎn)契約，或契約訂定于若干年后給付保險(xiǎn)金額或年金者，如保險(xiǎn)費(fèi)已付足二年以上而有不交付時(shí)，于前條第五項(xiàng)所定之期限屆滿后，保險(xiǎn)人僅得減少保險(xiǎn)金額或年金。

　　Article 117 An insurer may not demand payment of premium by means of litigation. In regard to a whole life insurance contract against death which does not include benefits conditional upon survival, or a contract in which it is stipulated that the insured amount or annuity is to be paid after a certain number of years, if premium has been paid in full for two years or more at the time of nonpayment, after expiration of the time period set out in paragraph 5 of the preceding article, the

　　insurer may only reduce the insured amount or the annuities.

　　第118 條保險(xiǎn)人依前條規(guī)定，或因要保人請(qǐng)求，得減少保險(xiǎn)金額或年金。其條件及可減少之?dāng)?shù)額，應(yīng)載明于保險(xiǎn)契約。減少保險(xiǎn)金額或年金，應(yīng)以訂原約時(shí)之條件，訂立同類保險(xiǎn)契約為計(jì)算標(biāo)準(zhǔn)。其減少后之金額，不得少于原契約終止時(shí)已有之保單價(jià)值準(zhǔn)備金，減去營(yíng)業(yè)費(fèi)用，而以之作為保險(xiǎn)費(fèi)一次交付所能得之金額。營(yíng)業(yè)費(fèi)用以原保險(xiǎn)金額百分之一為限。保險(xiǎn)金額之一部，系因其保險(xiǎn)費(fèi)全數(shù)一次交付而訂定者，不因其它部分之分期交付保險(xiǎn)費(fèi)之不交付而受影響。

　　Article 118The insurer may, in accordance with the provisions of the preceding Article or at the request of the proposer, reduce the insured amount or the annuities. The conditions for such a reduction and the allowable amount thereof shall be specified in the insurance contract. An insurance contract of the same kind, executed based on the conditions at the time the original contract was entered into, shall be taken as the standard for calculating the reduction of the insured

　　amount or the annuities. The insured amount after reduction may not be less than the amount obtainable if the non-forfeiture value existing at the time the original contract is terminated, minus

　　business expenses, were paid as a lump-sum premium. The said business expenses are limited to 1 percent of the originally insured amount. If part of the insured amount has been determined on the basis of the premium thereof being paid in one lump sum, that part shall not be affected by nonpayment of the premium on the remaining part that is payable in installments.

　　第119 條要保人終止保險(xiǎn)契約，而保險(xiǎn)費(fèi)已付足一年以上者，保險(xiǎn)人應(yīng)于接到通知后一個(gè)月內(nèi)償付解約金;其金額不得少于要保人應(yīng)得保單價(jià)值準(zhǔn)備金之四分之三。償付解約金之條件及金額，應(yīng)載明于保險(xiǎn)契約。

　　第120 條保險(xiǎn)費(fèi)付足一年以上者，要保人得以保險(xiǎn)契約為質(zhì)，向保險(xiǎn)人借款。保險(xiǎn)人于接到要保人之借款通知后，得于一個(gè)月以內(nèi)之期間，貸給可得質(zhì)借之金額。以保險(xiǎn)契約為質(zhì)之借款，保險(xiǎn)人應(yīng)于借款本息超過(guò)保單價(jià)值準(zhǔn)備金之日之三十日前，以書面通知要保人返還借款本息， 要保人未于該超過(guò)之日前返還者，保險(xiǎn)契約之效力自借款本息超過(guò)保單價(jià)值準(zhǔn)備金之日停止。保險(xiǎn)人未依前項(xiàng)規(guī)定為通知時(shí)，于保險(xiǎn)人以書面通知要保人返還借款本息之日起三十日內(nèi)要保人未返還者，保險(xiǎn)契約之效力自該三十日之次日起停止。前二項(xiàng)停止效力之保險(xiǎn)契約，其恢復(fù)效力之申請(qǐng)準(zhǔn)用第一百十六條第三項(xiàng)至第六項(xiàng)規(guī)定。

　　Article 119 If a proposer terminates an insurance contract for which the premium has been fully paid for one year or more, the insurer shall pay the surrender value within one month from receipt of such notice. The amount thereof may not be less than three-quarters of the non-forfeiture value that the proposer is entitled to receive. The conditions and amount for payment of surrender value shall be specified in the insurance contract.

　　Article 120 If premium has been fully paid for one year or more, the proposer may obtain loans from the insurer by using the insurance contract as collateral. Upon receipt of a proposer's loan notification, the insurer may, within a period of one month, lend such amount as may be borrowed with the collateral. For a loan secured by an insurance contract, by 30 days before the date on which loan principal and interest exceeds non-forfeiture value the insurer shall notify the proposer in writing to repay the loan principal and interest. If the proposer fails to make repayment by said date, the insurance contract shall be suspended from the date on which loan principal and interest exceeds non-forfeiture value. Where the insurer does not observe the requirements of the preceding paragraph in making the notification referred to therein, if the proposer fails to make repayment within 30 days from the date on which the insurer notifies the proposer in writing to repay the loan principal and interest, the insurance contract shall be suspended from the day next following the thirtieth day. Application for reinstatement of an insurance contract suspended under either of the preceding two paragraphs shall be subject mutatis mutandis to the provisions of Article 116, paragraphs 3 to 6.

　　第121 條受益人故意致被保險(xiǎn)人于死或雖未致死者，喪失其受益權(quán)。前項(xiàng)情形，如因該受益人喪失受益權(quán)，而致無(wú)受益人受領(lǐng)保險(xiǎn)金額時(shí)，其保險(xiǎn)金額作為被保險(xiǎn)人遺產(chǎn)。要保人故意致被保險(xiǎn)人于死者，保險(xiǎn)人不負(fù)給付保險(xiǎn)金額之責(zé)。保險(xiǎn)費(fèi)付足二年以上者，保險(xiǎn)人應(yīng)將其保單價(jià)值準(zhǔn)備金給付與應(yīng)得之人，無(wú)應(yīng)得之人時(shí)，應(yīng)解交國(guó)庫(kù)。

　　第122 條被保險(xiǎn)人年齡不實(shí)，而其真實(shí)年齡已超過(guò)保險(xiǎn)人所定保險(xiǎn)年齡限度者，其契約無(wú)效。因被保險(xiǎn)人年齡不實(shí)，致所付之保險(xiǎn)費(fèi)少于應(yīng)付數(shù)額者，保險(xiǎn)金額應(yīng)按照所付之保險(xiǎn)費(fèi)與被保險(xiǎn)人之真實(shí)年齡比例減少之。

　　Article 121 A beneficiary who willfully causes the death of the insured, or attempts unsuccessfully to do so, shall lose the right to receive benefits. If a beneficiary loses the right to receive benefits because of circumstances set forth in the preceding paragraph, and as a result there is no beneficiary to receive the insured amount, the insured amount shall be treated as part of the insured's estate. If a proposer willfully causes the death of the insured, the insurer is not obligated to pay the insured amount. If the premium has been fully paid for two years or more, the insurer shall pay the non-forfeiture value to the person who is entitled to receive it. If there is no person entitled to receive it, it shall be turned over to the national treasury.

　　Article 122 If the age of the insured has been misrepresented and the insured's actual age surpasses the limits on insurable age set by the insurer, the contract shall be void. If misrepresentation of the insured's age results in premium payments that are lower than what they should be, the insured amount shall be reduced pro rata on the basis of the premium paid and the actual age of the insured.

　　第123 條保險(xiǎn)人破產(chǎn)時(shí)，受益人對(duì)于保險(xiǎn)人得請(qǐng)求之保險(xiǎn)金額之債權(quán)，以其保單價(jià)值準(zhǔn)備金按訂約時(shí)之保險(xiǎn)費(fèi)率比例計(jì)算之。要保人破產(chǎn)時(shí)，保險(xiǎn)契約訂有受益人者，仍為受益人之利益而存在。投資型保險(xiǎn)契約之投資資產(chǎn)，非各該投資型保險(xiǎn)之受益人不得主張，亦不得請(qǐng)求扣押或行使其它權(quán)利。

　　第124 條人壽保險(xiǎn)之要保人、被保險(xiǎn)人、受益人，對(duì)于被保險(xiǎn)人之保單價(jià)值準(zhǔn)備金，有優(yōu)先受償之權(quán)。

　　Article 123 If an insurer becomes bankrupt, the amount a beneficiary may claim against the insurer with respect to the insured amount is to be calculated pro rata according to the ratio of the non-forfeiture value to the premium rate at the time the contract was entered into. If the proposer becomes bankrupt, insurance contracts in which the beneficiary has been specified shall remain valid for the benefit of the beneficiary. With respect to the invested assets of an investment-linked insurance contract, persons other than the beneficiary may not lay any claim thereto, nor shall they demand attachment or exercise any other rights.

　　Article 124 The proposer, insured, and beneficiary of life insurance have right of preference for payment of the insured's non-forfeiture value.

　　第二節(jié)健康保險(xiǎn)Section 2. Health Insurance

　　第125 條健康保險(xiǎn)人于被保險(xiǎn)人疾病、分娩及其所致殘廢或死亡時(shí)， 負(fù)給付保險(xiǎn)金額之責(zé)。

　　第126 條保險(xiǎn)人于訂立保險(xiǎn)契約前，對(duì)于被保險(xiǎn)人得施以健康檢查。前項(xiàng)檢查費(fèi)用，由保險(xiǎn)人負(fù)擔(dān)。

　　第127 條保險(xiǎn)契約訂立時(shí)，被保險(xiǎn)人已在疾病或妊娠情況中者，保險(xiǎn)人對(duì)是項(xiàng)疾病或分娩，不負(fù)給付保險(xiǎn)金額之責(zé)任。

　　第128 條被保險(xiǎn)人故意自殺或墮胎所致疾病、殘廢、流產(chǎn)或死亡，保險(xiǎn)人不負(fù)給付保險(xiǎn)金額之責(zé)。

　　第129 條被保險(xiǎn)人不與要保人為同一人時(shí)，保險(xiǎn)契約除載明第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列各款事項(xiàng)：

　　一、被保險(xiǎn)人之姓名、年齡及住所。二、被保險(xiǎn)人與要保人之關(guān)系。

　　第130 條第一百零二條至第一百零五條、第一百十五條、第一百十六條、第一百二十三條及一百二十四條，于健康保險(xiǎn)準(zhǔn)用之。

　　Article 125 A health insurer is obligated to pay the insured amount when the insured falls sick or gives birth, or becomes disabled or dies due to sickness or childbirth.

　　Article 126 An insurer may, before entering into an insurance contract, require the insured to undergo a medical examination. The cost of the medical examination referred to in the preceding

　　paragraph is to be borne by the insurer.

　　Article 127 If, at the time an insurance contract is entered into, the insured is already sick or pregnant, the insurer is not obligated to pay the insured amount for the sickness or pregnancy.

　　Article 128 The insurer is not obligated to pay the insured amount for sickness, disability, miscarriage, or death resulting from suicide or abortion that the insured has willfully committed.

　　Article 129 If the insured and proposer are not one and the same person, the insurance contract, besides specifying the particulars provided in Article 55, shall also specify the following particulars:

　　1. Name, age, and domicile of the insured. 2. Relationship of the insured to the proposer.

　　Article 130 The provisions of Articles 102 to Article 105, Article 115, Article 116, Article 123, and Article 124 apply mutatis mutandis to health insurance.

　　第三節(jié)傷害保險(xiǎn)Section 3. Personal Injury Insurance

　　第131 條傷害保險(xiǎn)人于被保險(xiǎn)人遭受意外傷害及其所致殘廢或死亡時(shí)，負(fù)給付保險(xiǎn)金額之責(zé)。前項(xiàng)意外傷害，指非由疾病引起之外來(lái)突發(fā)事故所致者。

　　Article 131 A personal accident insurer is obligated to pay the insured amount when the insured suffers injury by accident, or becomes disabled or dies on account of such injury. The term "injury by accident" as used in the preceding paragraph refers to physical harm caused by unforeseen external events other than illness.

　　第132 條傷害保險(xiǎn)契約，除記載第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列事項(xiàng)：

　　一、被保險(xiǎn)人之姓名、年齡、住所及與要保人之關(guān)系。二、受益人之姓名及與被保險(xiǎn)

　　人之關(guān)系或確定受益人之方法。三、請(qǐng)求保險(xiǎn)金額之事故及時(shí)期。

　　第133 條被保險(xiǎn)人故意自殺，或因犯罪行為，所致傷害、殘廢或死亡，保險(xiǎn)人不負(fù)給付保險(xiǎn)金額之責(zé)任。

　　第134 條受益人故意傷害被保險(xiǎn)人者，無(wú)請(qǐng)求保險(xiǎn)金額之權(quán)。受益人故意傷害被保險(xiǎn)人未遂時(shí)，被保險(xiǎn)人得撤銷其受益權(quán)利。

　　第135 條第一百零二條至第一百零五條、第一百零七條、第一百十條至第一百十六條、第一百二十三條及第一百二十四條，于傷害保險(xiǎn)準(zhǔn)用之。

　　Article 132 A personal injury insurance contract, besides specifying the particulars as provided in Article 55, shall also specify the following particulars:

　　1. Name, age, and domicile of the insured and relationship of the insured to the proposer.

　　2. Names of the beneficiaries and their relation to the insured, or a method for determining the beneficiaries.

　　3. The events for which, and the period during which, the insured amount may be claimed.

　　Article 133 If the insured willfully commits suicide, or is injured, becomes disabled, or dies as the result of a criminal act, the insurer is not obligated to pay the insured amount.

　　Article 134 A beneficiary who willfully injures the insured is not entitled to claim the insured amount. When a beneficiary willfully attempts to injure the insured but fails to do so, the insured may revoke such beneficiary's right to receive benefits.

　　Article 135 The provisions of Articles 102 to Article 105, Article 107, Articles 110 to Article 116, Article 123, and Article 124 apply mutatis mutandis to personal injury insurance.

　　第四節(jié)年金保險(xiǎn)Section 4. Annuity Insurance

　　第135-1 條年金保險(xiǎn)人于被保險(xiǎn)人生存期間或特定期間內(nèi)，依照契約負(fù)一次或分期給付一定金額之責(zé)。

　　第135-2 條年金保險(xiǎn)契約，除記載第五十五條規(guī)定事項(xiàng)外，并應(yīng)載明左列事項(xiàng)：

　　一、被保險(xiǎn)人之姓名、性別、年齡及住所。二、年金金額或確定年金金額之方法。

　　三、受益人之姓名及與被保險(xiǎn)人之關(guān)系。

　　Article 135-1 An annuity insurer is liable to pay a fixed amount of money in a lump sum or in installments during the life of the insured or during a specified period of time in accordance with the contract.

　　Article 135-2 An annuity insurance contract, in addition to specifying the particulars provided in Article 55, shall also specify the following particulars:

　　1. Insured's name, sex, age, and domicile.

　　2. Amount of annuity or method for determining the amount of annuity.

　　3. Names of beneficiaries, and their relationship to the insured.

　　四、請(qǐng)求年金之期間、日期及給付方法。

　　五、依第一百十八條規(guī)定，有減少年金之條件者，其條件。

　　第135-3 條受益人于被保險(xiǎn)人生存期間為被保險(xiǎn)人本人。保險(xiǎn)契約載有于被保險(xiǎn)人死亡

　　后給付年金者，其受益人準(zhǔn)用第一百十條至第一百十三條規(guī)定。

　　第135-4 條第一百零三條、第一百零四條、第一百零六條、第一百十四條至第一百二十四條規(guī)定，于年金保險(xiǎn)準(zhǔn)用之。但于年金給付期間，要保人不得終止契約或以保險(xiǎn)契約為質(zhì)，向保險(xiǎn)人借款。

　　4. Term of annuity, dates and method of payment of annuity.

　　5. Conditions attaching to any reduction in the annuity amount carried out in accordance with Article 118.

　　Article 135-3 During the lifetime of the insured, the beneficiary of annuity insurance shall be the insured himself or herself. If an insurance contract provides for payment of annuity after death of the insured, the provisions of Articles 110 to Article 113 apply mutatis mutandis to the beneficiary.

　　Article 135-4 The provisions of Article 103, Article 104, Article 106, and Articles 114 through Article 124 apply mutatis mutandis to annuity insurance. However, during the annuity payment period, the proposer may not terminate the contract or pledge such contract to the insurer as loan collateral.

　　第五章保險(xiǎn)業(yè)Chapter V. Insurance Enterprises

　　第一節(jié)通則Section 1. General Provisions

　　第136 條保險(xiǎn)業(yè)之組織，以股份有限公司或合作社為限。但經(jīng)主管機(jī)關(guān)核準(zhǔn)者，不在此限。

　　非保險(xiǎn)業(yè)不得兼營(yíng)保險(xiǎn)或類似保險(xiǎn)之業(yè)務(wù)。違反前項(xiàng)規(guī)定者，由主管機(jī)關(guān)或目的事業(yè)主管機(jī)關(guān)會(huì)同司法警察機(jī)關(guān)取締，并移送法辦;如屬法人組織，其負(fù)責(zé)人對(duì)有關(guān)債務(wù)，應(yīng)負(fù)連帶清償責(zé)任。執(zhí)行前項(xiàng)任務(wù)時(shí)，得依法搜索扣押被取締者之會(huì)計(jì)帳簿及文件，并得撤除其標(biāo)志等設(shè)施或?yàn)槠渌匾幹?。保險(xiǎn)業(yè)之組織為股份有限公司者，除其它法律另有規(guī)定或經(jīng)

　　主管機(jī)關(guān)許可外，其股票應(yīng)辦理公開(kāi)發(fā)行。

　　Article 136 Except with the approval of the competent authority, an insurance enterprise may only be organized as a company limited by shares or as a cooperative. Business organizations other than insurance enterprises may not engage concurrently in the insurance business or a business similar to insurance.

　　Where violations of the provisions in the preceding paragraph occur, the competent authority or the authority with jurisdiction over the line of business operated by the violator will act in conjunction with the judicial police authorities to suppress the illegal activity, and the 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. When carrying out the tasks referred to in the preceding paragraph, the authorities may search and attach account books and documents of the violators, remove signs and other fixtures, or take other necessary actions in accordance with the law. An insurance enterprise organized as a company limited by shares shall issue its stock publicly unless another law provides otherwise or the competent authority has granted permission.

　　第137 條保險(xiǎn)業(yè)非經(jīng)主管機(jī)關(guān)許可，并依法為設(shè)立登記，繳存保證金，領(lǐng)得營(yíng)業(yè)執(zhí)照后，不得開(kāi)始營(yíng)業(yè)。保險(xiǎn)業(yè)申請(qǐng)?jiān)O(shè)立許可應(yīng)具備之條件、程序、應(yīng)檢附之文件、發(fā)起人、董事、監(jiān)察人與經(jīng)理人應(yīng)具備之資格條件、廢止許可、分支機(jī)構(gòu)之設(shè)立、保險(xiǎn)契約轉(zhuǎn)讓、解散及其它應(yīng)遵行事項(xiàng)之辦法，由主管機(jī)關(guān)定之。外國(guó)保險(xiǎn)業(yè)非經(jīng)主管機(jī)關(guān)許可，并依法為設(shè)立登記，繳存保證金，領(lǐng)得營(yíng)業(yè)執(zhí)照后，不得開(kāi)始營(yíng)業(yè)。外國(guó)保險(xiǎn)業(yè)，除本法另有規(guī)定外，準(zhǔn)用本法有關(guān)保險(xiǎn)業(yè)之規(guī)定。外國(guó)保險(xiǎn)業(yè)申請(qǐng)?jiān)O(shè)立許可應(yīng)具備之條件、程序、應(yīng)檢附之文件、廢止許可、營(yíng)業(yè)執(zhí)照核發(fā)、增設(shè)分公司之條件、營(yíng)業(yè)項(xiàng)目變更、撤換負(fù)責(zé)人之情事、資金運(yùn)用及其它應(yīng)遵行事項(xiàng)之辦法，由主管機(jī)關(guān)定之。依其它法律設(shè)立之保險(xiǎn)業(yè)，除各該法律另有規(guī)定外，準(zhǔn)用本法有關(guān)保險(xiǎn)業(yè)之規(guī)定。

　　Article 137 An insurance enterprise may not commence operations unless it has received permission from the competent authority, completed establishment registration, posted bond, and secured a business license in accordance with the law. The eligibility conditions, business scope, documentation required in order to apply for approval and other compliance matters. with respect to the conduct of personal injury insurance or health insurance business by non-life insurance enterprises in accordance with the proviso of the preceding paragraph, shall be prescribed by the competent authority. A foreign insurance enterprise may not commence operations unless it has received permission from the competent authority, completed establishment registration, posted bond, and secured a business license in accordance with the law. Unless otherwise provided by this Act, the provisions of this Act regarding insurance enterprises shall apply mutatis mutandis to

　　foreign insurance enterprises. With respect to applications by foreign insurance enterprises for establishment permits, the competent authority shall prescribe regulations governing the following matters: eligibility conditions and procedures for application; required documentation, revocation

　　of permits, issuance of business licenses, conditions for the establishment of branch offices, any change in line(s) of business, replacement of responsible person, funds allocations; and other compliance matters. With respect to an insurance enterprise established in accordance with another act, the provisions of this Act pertaining to insurance enterprises shall apply mutatis mutandis except as otherwise provided by the other act.

　　第137-1 條保險(xiǎn)業(yè)負(fù)責(zé)人應(yīng)具備之資格， 由主管機(jī)關(guān)定之。

　　第138 條財(cái)產(chǎn)保險(xiǎn)業(yè)經(jīng)營(yíng)財(cái)產(chǎn)保險(xiǎn)，人身保險(xiǎn)業(yè)經(jīng)營(yíng)人身保險(xiǎn)，同一保險(xiǎn)業(yè)不得兼營(yíng)財(cái)產(chǎn)保險(xiǎn)及人身保險(xiǎn)業(yè)務(wù)。但財(cái)產(chǎn)保險(xiǎn)業(yè)經(jīng)主管機(jī)關(guān)核準(zhǔn)經(jīng)營(yíng)傷害保險(xiǎn)及健康保險(xiǎn)者，不在此限。

　　財(cái)產(chǎn)保險(xiǎn)業(yè)依前項(xiàng)但書規(guī)定經(jīng)營(yíng)傷害保險(xiǎn)及健康保險(xiǎn)業(yè)務(wù)應(yīng)具備之條件、業(yè)務(wù)范圍、申請(qǐng)核準(zhǔn)應(yīng)檢附之文件及其它應(yīng)遵行事項(xiàng)之辦法，由主管機(jī)關(guān)定之。

　　保險(xiǎn)業(yè)不得兼營(yíng)本法規(guī)定以外之業(yè)務(wù)。但經(jīng)主管機(jī)關(guān)核準(zhǔn)辦理其它與保險(xiǎn)有關(guān)業(yè)務(wù)者，不

　　在此限。保險(xiǎn)業(yè)辦理前項(xiàng)與保險(xiǎn)有關(guān)業(yè)務(wù)，涉及外匯業(yè)務(wù)之經(jīng)營(yíng)者，須經(jīng)中央銀行之許可。

　　保險(xiǎn)合作社不得經(jīng)營(yíng)非社員之業(yè)務(wù)。

　　Article 137-1 The necessary qualifications of the responsible persons of an insurance enterprise shall be prescribed by the competent authority.

　　Article 138 An insurance enterprise in the "non-life insurance" category shall engage in the business of non-life insurance only, an insurance enterprise in the "insurance of the person" category shall engage in the business of insurance of the person only, and the same insurance enterprise may not engage concurrently in non-life insurance and 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. The eligibility conditions, business scope, documentation required in order to apply for approval and other compliance matters. with respect to the conduct of personal injury insurance or health insurance business by non-life insurance enterprises in accordance with the proviso of the preceding paragraph, shall be prescribed by the competent authority. An insurance enterprise may not engage concurrently in any business other than that prescribed by this Act. However, this restriction does not apply where the competent authority has given its approval for an insurance enterprise to engage in other businesses related to insurance. Where an insurance enterprise conducts another business related to insurance as provided for in the preceding paragraph, the permission of the Central Bank shall first be obtained if the business involves foreign exchange business. An insurance cooperative may not engage in any insurance business with any person who is not a member of the cooperative.

　　第138-1 條財(cái)產(chǎn)保險(xiǎn)業(yè)應(yīng)承保住宅地震危險(xiǎn)，以主管機(jī)關(guān)建立之危險(xiǎn)分散機(jī)制為之。前項(xiàng)危險(xiǎn)分散機(jī)制，應(yīng)成立財(cái)團(tuán)法人住宅地震保險(xiǎn)基金負(fù)責(zé)管理，就超過(guò)財(cái)產(chǎn)保險(xiǎn)業(yè)共保承擔(dān)限額部分，由該基金承擔(dān)、向國(guó)內(nèi)、外為再保險(xiǎn)、以主管機(jī)關(guān)指定之方式為之或由政府承受。

　　前二項(xiàng)有關(guān)危險(xiǎn)分散機(jī)制之承擔(dān)限額、保險(xiǎn)金額、保險(xiǎn)費(fèi)率、各種準(zhǔn)備金之提存及其它應(yīng)遵

　　行事項(xiàng)之辦法，由主管機(jī)關(guān)定之。財(cái)團(tuán)法人住宅地震保險(xiǎn)基金之捐助章程、業(yè)務(wù)范圍、資金運(yùn)用及其它管理事項(xiàng)之辦法，由主管機(jī)關(guān)定之。因發(fā)生重大震災(zāi)，致住宅地震保險(xiǎn)基金累積之金額不足支付應(yīng)攤付之賠款，為保障被保險(xiǎn)人之權(quán)益，必要時(shí)，該基金得請(qǐng)求主管機(jī)關(guān)會(huì)同財(cái)政部報(bào)請(qǐng)行政院核定后，由國(guó)庫(kù)提供擔(dān)保，以取得必要之資金來(lái)源。

　　Article 138-1 Non-life insurance enterprises shall underwrite residential earthquake risk, and shall do so by means of the risk spreading mechanism established by the competent authority. The Taiwan Residential Earthquake Insurance Fund shall be established to manage the risk spreading mechanism referred to in the preceding paragraph. The portion of risk that exceeds the co-insurance underwriting assumption limit for non-life insurance enterprises shall be assumed by the Taiwan Residential Earthquake Insurance Fund, cede to domestic and/or foreign reinsurers, be

　　assumed by the manner prescribed by the competent authority or assumed by the government. With respect to the risk spreading mechanism under the preceding two paragraphs, the competent authority shall prescribe regulations governing the risk assumption limits, insured amounts, insurance premium rates, provision for various reserve funds, and other compliance matters. The competent authority shall prescribe regulations governing the Taiwan Residential Earthquake Insurance Fund's articles of incorporation, business scope, funds allocations, and other administrative matters. When the occurrence of a major earthquake results in payable claims that exceed the amount of funds accumulated in the Taiwan Residential Earthquake Insurance Fund, in order to safeguard the interests of insured the Fund may as necessary request the competent authority and the Ministry of Finance to jointly apply for Executive Yuan’s approval of collateral provided by the national treasury to obtain the necessary source of funding.

　　第138-2 條保險(xiǎn)業(yè)經(jīng)營(yíng)人身保險(xiǎn)業(yè)務(wù)，保險(xiǎn)契約得約定保險(xiǎn)金一次或分期給付。人身保險(xiǎn)契約中屬死亡或殘廢之保險(xiǎn)金部分,要保人于保險(xiǎn)事故發(fā)生前得預(yù)先洽訂信托契約，由保險(xiǎn)業(yè)擔(dān)任該保險(xiǎn)信托之受托人，其中要保人與被保險(xiǎn)人應(yīng)為同一人，該信托契約之受益人并應(yīng)為保險(xiǎn)契約之受益人，且以被保險(xiǎn)人、未成年人、心神喪失或精神耗弱之人為限。前項(xiàng)信托給付屬本金部分，視為保險(xiǎn)給付。保險(xiǎn)業(yè)辦理保險(xiǎn)金信托業(yè)務(wù)應(yīng)設(shè)置信托專戶，并以信托財(cái)產(chǎn)名義表彰。前項(xiàng)信托財(cái)產(chǎn)為應(yīng)登記之財(cái)產(chǎn)者，應(yīng)依有關(guān)規(guī)定為信托登記。

　　第四項(xiàng)信托財(cái)產(chǎn)為有價(jià)證券者，保險(xiǎn)業(yè)設(shè)置信托專戶，并以信托財(cái)產(chǎn)名義表彰;其以信托財(cái)產(chǎn)為交易行為時(shí)，得對(duì)抗第三人，不適用信托法第四條第二項(xiàng)規(guī)定。保險(xiǎn)業(yè)辦理保險(xiǎn)金信托，其資金運(yùn)用范圍以下列為限：一、現(xiàn)金或銀行存款。二、公債或金融債券。三、短期票券。四、其它經(jīng)主管機(jī)關(guān)核準(zhǔn)之資金運(yùn)用方式。

　　Article 138-2 An insurance enterprise engaging in insurance of the person may stipulate an insurance contract that policy proceeds be paid either in a lump sum or in installments.With respect to the portion of policy proceeds in a contract for insurance of the person that are for death or disablement, the proposer may, prior to occurrence of an insured peril, negotiate a trust contract whereunder the insurance enterprise acts as trustee of the insurance trust. Such an arrangement may only be made where a single person is both proposer and insured, where the beneficiaries of the trust contract are also the beneficiaries of the insurance contract, and where the arrangement is for the benefit of an insured or a person who is a minor, mentally impaired, or of diminished mental capacity. With respect to trust benefits paid out pursuant to the preceding paragraph, that part which constitutes trust principal shall be deemed insurance benefits. An insurance enterprise providing insurance trust services shall set up segregated trust accounts named as trust asset accounts. Where the trust assets of the preceding paragraph are subject to a registration requirement, registration of trust shall be carried out in accordance with the applicable provisions. Where the trust assets of paragraph 4 are securities, when the insurance enterprise sets up a segregated trust account named as a trust asset account and engages in a transaction involving the trust assets, the trust shall be effective against third parties, and Article 4, paragraph 2 of the Trust Act does not apply. The scope of funds allocations of an insurance enterprise operating insurance trusts shall be limited to the following:

　　1. Cash or bank deposits.

　　2. Government bonds or financial bonds.

　　3. Short-term bills.

　　4. Other methods of funds allocation as approved by the competent authority.

　　第138-3 條保險(xiǎn)業(yè)經(jīng)營(yíng)保險(xiǎn)金信托業(yè)務(wù)，應(yīng)經(jīng)主管機(jī)關(guān)許可，其營(yíng)業(yè)及會(huì)計(jì)必須獨(dú)立。保險(xiǎn)業(yè)為擔(dān)保其因違反受托人義務(wù)而對(duì)委托人或受益人所負(fù)之損害賠償、利益返還或其它責(zé)任，應(yīng)提存賠償準(zhǔn)備。保險(xiǎn)業(yè)申請(qǐng)?jiān)S可經(jīng)營(yíng)保險(xiǎn)金信托業(yè)務(wù)應(yīng)具備之條件、應(yīng)檢附之文件、廢止許可、應(yīng)提存賠償準(zhǔn)備額度、提存方式及其它應(yīng)遵行事項(xiàng)之辦法，由主管機(jī)關(guān)定之。

　　Article 138-3 An insurance enterprise shall obtain permission from the competent authority to provide insurance trust services, which must have independent operations and accounting. An insurance enterprise shall set aside a compensation reserve fund to secure the performance of indemnities, giving back profits, or other obligations to bailors at violation of its duties as trustee.

　　With respect to applications by insurance enterprises for permission to provide insurance trust services, the competent authority shall prescribe regulations governing the following matters: eligibility conditions; required documentation; conditions for the revocation of permits; amount defined for the compensation reserve fund, and the way of depositing; and other compliance matters.

　　第139 條各種保險(xiǎn)業(yè)資本或基金之最低額，由主管機(jī)關(guān)，審酌各地經(jīng)濟(jì)實(shí)況，及各種保險(xiǎn)業(yè)務(wù)之需要，分別呈請(qǐng)行政院核定之。

　　Article 139 The minimum capital or fund for each of the various kinds of insurance enterprises will be approved separately by the Executive Yuan, acting upon the recommendation of the competent authority, which shall take into consideration the economic conditions in each locality and the needs of each kind of insurance business.

　　第140 條保險(xiǎn)公司得簽訂參加保單紅利之保險(xiǎn)契約。保險(xiǎn)合作社簽訂之保險(xiǎn)契約，以參加保單紅利者為限。前二項(xiàng)保單紅利之計(jì)算基礎(chǔ)及方法，應(yīng)于保險(xiǎn)契約中明訂之。

　　第141 條保險(xiǎn)業(yè)應(yīng)按資本或基金實(shí)收總額百分之十五，繳存保證金于國(guó)庫(kù)。

　　第142 條保證金之繳存應(yīng)以現(xiàn)金為之。但經(jīng)主管機(jī)關(guān)之核準(zhǔn)，得以公債或庫(kù)券代繳之。前項(xiàng)繳存保證金非俟宣告停業(yè)依法完成清算，不予發(fā)還。以有價(jià)證券抵繳保證金者，其息票部份，在宣告停業(yè)依法清算時(shí)，得準(zhǔn)移充清算費(fèi)用。

　　Article 140 An insurance company may enter into an insurance contract that includes participation in policy dividends. An insurance cooperative shall enter only into insurance contracts that include participation in policy dividends. The basis and method of calculating the policy dividends in the preceding two paragraphs shall be expressly provided in the insurance contract.

　　Article 141 An insurance enterprise shall post bond at the national treasury in an amount equal to 15 percent of the total amount of its paid-in capital or paid-in fund.

　　Article 142 The bond shall be posted in cash. However, upon approval of the competent authority, government bonds or notes may be posted instead. The bond posted as provided in the preceding paragraph is not to be returned until suspension of business has been declared and liquidation has been completed pursuant to the law. Where marketable securities are used to post bond, when cessation of business has been declared and liquidation is duly performed, the interest coupon attached thereto may be used to offset liquidation expenses.

　　第143 條保險(xiǎn)業(yè)不得向外借款、為保證人或以其財(cái)產(chǎn)提供為他人債務(wù)之擔(dān)保。但保險(xiǎn)業(yè)有下列情形之一，報(bào)經(jīng)主管機(jī)關(guān)核準(zhǔn)向外借款者，不在此限：

　　一、為給付巨額保險(xiǎn)金、大量解約或大量保單貸款之周轉(zhuǎn)需要。

　　二、因合并或承受經(jīng)營(yíng)不善同業(yè)之有效契約。

　　三、為強(qiáng)化財(cái)務(wù)結(jié)構(gòu)，發(fā)行具有資本性質(zhì)之債券。

　　Article 143 An insurance enterprise may not borrow funds from an outside party, act as guarantor for an outside party, or provide its assets as collateral for the debt of another; provided, that this restriction does not apply where any one of the following circumstances obtains 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:

　　1. The borrowing is to meet cash flow needs arising from payment of major benefits, a large amount of policy surrenders, or a large amount of policy loans.

　　2. The borrowing is needed for a merger or for assumption of the in-force contracts of a troubled insurer.

　　3. The borrowing is done by issuing bonds with capital characteristics, for the purpose of strengthening financial structure.

　　第143-1 條為保障被保險(xiǎn)人之基本權(quán)益，并維護(hù)金融之安定，財(cái)產(chǎn)保險(xiǎn)業(yè)及人身保險(xiǎn)業(yè)應(yīng)分別提撥資金，設(shè)置財(cái)團(tuán)法人安定基金。財(cái)團(tuán)法人安定基金之組織及管理等事項(xiàng)之辦法，由主管機(jī)關(guān)定之。安定基金由各保險(xiǎn)業(yè)者提撥; 其提撥比率，由主管機(jī)關(guān)審酌經(jīng)濟(jì)、金融發(fā)展情形及保險(xiǎn)業(yè)承擔(dān)能力定之，并不得低于各保險(xiǎn)業(yè)者總保險(xiǎn)費(fèi)收入之千分之一。安定基金累積之金額不足保障被保險(xiǎn)人權(quán)益，且有嚴(yán)重危及金融安定之虞時(shí)，得報(bào)經(jīng)主管機(jī)關(guān)同意，向金融機(jī)構(gòu)借款。

　　Article 143-1 In order to preserve the insured's basic interests and to maintain financial stability, enterprises engaged in non-life insurance and insurance of the person shall make contributions to set up separate stabilization funds as incorporated foundations. Regulations governing the organization, administration, and other matters of the incorporated stabilization fund foundations shall be prescribed by the competent authority. The stabilization funds shall be supported by contributions from each insurance enterprise. The contribution rate of each enterprise

　　shall be determined by the competent authority, taking into consideration the condition of the economy, the state of development of the financial industry, and the ability of insurance enterprises to pay, and may not be lower for any given insurance enterprise than 1/1000th of gross premium income. When the amount of funds accumulated in a stabilization fund is insufficient to safeguard the interests of insured parties and there is a likelihood of serious threat to financial stability, the fund may report to the competent authority for permission to borrow funds from the financial institutions.

　　第143-2 條(刪除)Article 143-2 (Deleted)

　　第143-3 條安定基金辦理之事項(xiàng)如下：

　　一、對(duì)經(jīng)營(yíng)困難保險(xiǎn)業(yè)之貸款。

　　二、保險(xiǎn)業(yè)因與經(jīng)營(yíng)不善同業(yè)進(jìn)行合并或承受其契約，致遭受損失時(shí)，安定基金得予以低利貸款或補(bǔ)助。

　　三、保險(xiǎn)業(yè)依第一百四十九條第四項(xiàng)規(guī)定被接管、勒令停業(yè)清理或命令解散，或經(jīng)接管人依第一百四十九條之二第三項(xiàng)規(guī)定向法院聲請(qǐng)重整時(shí)，安定基金于必要時(shí)應(yīng)代該保險(xiǎn)業(yè)墊付要保人、被保險(xiǎn)人及受益人依有效契約所得為之請(qǐng)求，并就其墊付金額取得并行使該要保人、被保險(xiǎn)人及受益人對(duì)該保險(xiǎn)業(yè)之請(qǐng)求權(quán)。

　　四、保險(xiǎn)業(yè)依本法規(guī)定進(jìn)行重整時(shí)，為保障被保險(xiǎn)人權(quán)益，協(xié)助重整程序之迅速進(jìn)行，要保人、被保險(xiǎn)人及受益人除提出書面反對(duì)意見(jiàn)者外，視為同意安定基金代理其出席關(guān)系人會(huì)議及行使重整相關(guān)權(quán)利。安定基金執(zhí)行代理行為之程序及其它應(yīng)遵行事項(xiàng)，由安定基金訂定，報(bào)請(qǐng)主管機(jī)關(guān)備查。

　　Article 143-3 The stabilization funds shall handle the following matters:

　　1. Extend loans to insurance enterprises experiencing business difficulties.

　　2. A stabilization fund may provide low-interest loans or subsidies to insurance enterprises that incur loss by merging with troubled insurance enterprises or assuming their contracts.

　　3. When, in accordance with the provisions of Article 149, paragraph 4, an insurance enterprise is placed into receivership, ordered to suspend business and undergo rehabilitation, or ordered to dissolve, or when a receiver applies to a court for reorganization in accordance with the provisions of Article 149-2, paragraph 3, the appropriate stabilization fund shall, as necessary, advance funds on behalf of the insurance enterprise to settle claims which proposers, insured parties, and beneficiaries are entitled to make under in-force contracts, and with respect to the amount thus advanced shall succeed to and exercise the rights of claim of those proposers, insured parties, and beneficiaries against the insurance enterprise.

　　4. In order to safeguard the interests of insured parties and help expedite reorganization proceedings, when an insurance enterprise undergoes reorganization in accordance with the provisions of this Act, proposers, insured parties, and beneficiaries shall, unless they object in writing, be deemed to have granted consent for the stabilization fund to act as their agent in attending meetings of related parties and exercising rights related to the reorganization. The stabilization funds shall adopt procedures for actions they take when serving as agent, as well as other compliance matters, and shall file them with the competent authority for recordation.