Taiwan earthquake 30% victims less than 15 years old can not get insurance claims – Sohu news-melia kreiling
The 30% Taiwan earthquake victims under the age of 15 can not get insurance claims – Sohu news [global network reported] southern Taiwan in February 6th 6.7 Richter earthquake, 116 people in the earthquake in death. However, commercial life insurance is not expected to play the security function. In this regard, the life insurance industry in Taiwan has said that the main reason of the 116 victims, 1/3 were under 12 years of age, even if the parents have to help the children to buy insurance, but according to the Taiwan area "insurance law" provisions, under the children died before the age of 15, the insurance industry can not pay death insurance. "Plus interest can only return the insurance premium, it also allows insurance completely lost its meaning. According to Taiwan’s "United Daily News" reported on February 22nd, in order to avoid the parents to help children after the insured, the child appears unfavorable, collar fraud insurance "moral hazard" case in Taiwan "insurance law" 107th after twice correction, and since 2010, according to the "under 15" children, if the insured death, life insurance companies only plus interest refund or return the premiums, investment type insurance dedicated account account value. However, the policy of insurance, such as student insurance can be excluded. But "Taiwan Insurance Association chairman Xu Shubo said," the tiger does not eat ", should not take a few cases, most parents are considered bad, he said, the major disaster event, will tube insurance bureau to gold, should review the" unworthy "law. In the earthquake of February 6th in southern Taiwan as an example, there are 1/3 children in addition to learning, equal to" no guarantee". Xu Shubo also said that the Taiwan authorities "FSC" and the outside world always blame, Taiwanese life insurance guarantee low ", but in accordance with the existing Taiwan area" insurance law ", under the age of 15 children, can guarantee" obtained from commercial insurance companies who are equal to zero". According to the Life Insurance Association survey, after 2010, the insured insurance fraud led to the behavior of parents of children disadvantage, "a case of" never, until 2010, only one case. But Xu Shubo said, the moment the 30 little life was not, "what is the guarantee of these children’s personal important? Or go to prevent the moral risk very little important?". According to the FSC chugu, all the life insurance claims in February 6th in southern Taiwan earthquake, the amount of about NT $168 million, not only lower than expected, the insurance industry is also lower than the estimated amount of claims 300 million yuan nt. There is also the life insurance industry said, "this is as high as 13 of the victims are children under the age of 15," because children death "can not lose, this time as everyone in the" premium "for each killed child households, the life insurance company can only be returned a few thousand to a million new Taiwan dollar premium.
台湾地震三成遇难者未满15周岁 无法获保险理赔-搜狐新闻 【环球网综合报道】台湾南部2月6日发生里氏6.7级的大地震，116人在这场强震中不幸身故。然而，商业人寿保险却并没有发挥预期中的保障功能。对此，有台湾的寿险业者表示，主因这次116名罹难者中，有三分之一是未满12岁的孩童，即使父母曾经帮小朋友买保险，但依照台湾地区“保险法”的规定，小孩在未满15岁前死亡，寿险业不能给付身故保险金，“只能加计利息退还保险费”，这也让保险完全失去其意义。 据台湾《联合报》2月22日报道，为避免父母帮小孩投保后，对小孩不利，出现诈领保险金的“道德风险”案件，台湾地区“保险法”第107条经过两度修正，并自2010年起规定，针对“未满15岁”的孩童，若投保后身故，寿险公司只能加计利息退还所缴保险费，或返还投资型保险专设帐簿的帐户价值。不过，政策性保险、例如学生保险可以排除在外。 但“台湾寿险公会理事长”许舒博说，“虎毒不食子”，不应拿少数的个案，将大多数父母亲都认定是坏人，他说，历次重大灾难事件后，会向金管会保险局建议，应重新检讨这个“因噎废食”的法条，就以这次2月6日台湾南部的大地震为例，有三分之一的孩童除了学保，等于“没有保障”。 许舒博还表示，台湾当局“金管会”和外界老是指责，台湾人身保险“保障偏低”，但依照现行台湾地区的“保险法”，15岁以下小朋友，可自商业寿险公司获得的人身保障“却等于零”。 根据寿险公会调查，2010年以后，父母为诈领保险金对小孩不利的投保行为，“一案都没有”，2010年之前，也只有一案。但许舒博表示，此次30几个小生命一瞬间就没有了，“到底是这些孩童的人身保障重要？还是去防堵那些微乎其微的道德风险重要？”。 根据“金管会”初估，此次全体寿险业理赔2月6日台湾南部大地震，金额约1.68亿多元新台币，不仅低于预期，也低于产险业初估理赔金额3亿多元新台币。 也有寿险业者说，这次有高达1 3的罹难者“都是小孩子”，因为15岁以下小朋友身故“不能赔”，这次变成大家都在“退保费”，针对每名罹难孩童保户，寿险公司只能退回几千到上万元新台币的保费。相关的主题文章：