傳各家產險將宣布 4-6月防疫保單都不算數 - 保險
By Rae
at 2022-04-21T16:09
at 2022-04-21T16:09
Table of Contents
金融監督管理委員會 https://reurl.cc/GxV1E3
一、傳聞各家保險公司將發布聲明,今年4月到6月間的防疫保單將不算數一事,金管會說
明,已成立之保險契約,權益不受影響。且產險公司如已寄發續保通知書給保戶,並已收
取保戶之保費,保險契約即為成立。
二、產險公司之防疫保險商品,均為一年期保單且屬不保證續保之性質。保險公司對於是
否同意續保有主動權,並可做核保與風險控管機制,如須調整費率或承保範圍,應於保險
契約成立前,將調整後之內容提供保戶選擇。保險契約一旦成立,即須依契約履行。
三、基於損害填補原則,防疫保險之商品設計多為費用補償,例如確診或隔離衍生之相關
費用或無法工作之經濟損失。惟保險公司得基於風險胃納量、保險費率適足性及疫情或防
疫政策等因素,適時檢視商品承保範圍及給付項目之合理性作商品調整。
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一、傳聞各家保險公司將發布聲明,今年4月到6月間的防疫保單將不算數一事,金管會說
明,已成立之保險契約,權益不受影響。且產險公司如已寄發續保通知書給保戶,並已收
取保戶之保費,保險契約即為成立。
二、產險公司之防疫保險商品,均為一年期保單且屬不保證續保之性質。保險公司對於是
否同意續保有主動權,並可做核保與風險控管機制,如須調整費率或承保範圍,應於保險
契約成立前,將調整後之內容提供保戶選擇。保險契約一旦成立,即須依契約履行。
三、基於損害填補原則,防疫保險之商品設計多為費用補償,例如確診或隔離衍生之相關
費用或無法工作之經濟損失。惟保險公司得基於風險胃納量、保險費率適足性及疫情或防
疫政策等因素,適時檢視商品承保範圍及給付項目之合理性作商品調整。
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