身心障礙投保之研究－以公平待客原則為中心

Research on Disability Insurance-Centered on the Principle of Fair Hospitality

王佳雯(Chia-Wen Wang)

指導教授 ： 羅俊瑋

淡江大學/商管學院/風險管理與保險學系保險經營碩士在職專班/碩士(2022年)

https://doi.org/10.6846/TKU.2022.00811

摘要

在2008年金融海嘯後，金融消費者保護逐漸成為金融法制進步的重要指標，重新評估建構相關金融監理措施，在各種金融監理改革中最受重視之一者，即為要求金融服務業者應公平與合理對待金融消費者，確保各金融服務業者在營運的各個階段，應考量並落實金融消費者權益。長久以來，身心障礙者因自身條件限制，在參與經濟、社會生活有一定的障礙，社會參與程度亦普遍不高，也容易被邊緣化，我國金融監督管理委員會於2020年時給出承諾：「保險業對於身心障礙者投保不得有不公平對待，其招攬及核保作業亦不得無故拒絕受理，並依保險業招攬及核保理賠辦法規定，保險業於辦理核保評估風險及計收保費，應基於保險精算及統計資料作為危險估計的基礎，不可以僅因被保險人為身心障礙者而有不公平待遇，倘保險業者有未依規定辦理時，將依法論處」。本研究希望透過探討身心障礙者申請投保機制、業務員招攬及核保評估程序審核過程的現況，與近期金融監督管理委員會違反公平待客裁罰案例進行分析，以作為日後推行身心障礙者投保權益之推動參考。

關鍵字

身心障案 ； 金融消費者保護法 ； 公平待客

並列摘要

After the Financial Crisis in 2008, to reform the financial-related supervisions, financial consumer protection has gradually become an important indicator of the progress of financial legal system. Among all the transformations, the most important one is that financial service providers should treat consumers fairly and reasonably, while considering and implementing the rights of consumers at all steps in operating. The disabled has been limited by physical conditions for a long time, due to the obstacles they encounter while participating economic and social life. With limited social participation, they are easily excluded. In 2020, the Financial Supervisory Commission of R.O.C committed that: "The insurance industry shall not treat disabled people unfairly while purchasing insurance, solicitation and underwriting operations shall not reject those applications without any reason. In accordance with the insurance industry’s solicitation and underwriting claims settlement methods, insurance companies shall assess risks and calculate insurance premiums based on actuarial and statistical data. The insurance company shall not treat them unfairly only because their physical or mental issues. If any company fails to comply with the regulation, it will be punished according to law.” This research is trying to investigate the current situation of applying mechanism, solicitation and underwriting procedures for disabled people, along with the case study of recent penalties for violations of the Principle for Financial Service Industries to Treat Clients Fairly by the Financial Supervisory Commission, so as to promote the rights for disables in insurance obtain process in the future.

並列關鍵字

Physical and mental disabilities ； Financial Consumer Protection Act ； Treating Customers Fairly

參考文獻

一、中文文獻

(一)專書：

1.王志誠，2017，現代金融法，新學林出版社，三版一刷。

2.江朝國，2009，保險法基礎理論，瑞興書局。

3.呂廣盛，2005，個人壽險核保概論（第七版），三民書局。