FSC ENCOURAGES INSURANCE INDUSTRY TO COVER THE DISABLED|鼓勵賣保單給身障者 金管會提政策

To encourage the insurance industry, the Financial Supervisory Commission has widened the scope of the disabled to buy insurance. It says the more they sell, the lower the Taiwan Insurance Guaranty Fund ratio. At the highest it would be 0.4 percent and fall to 0.15 percent. However, the Enable Organization thinks that this does not make much difference, and that even though the disabled can buy insurance, the claim conditions are harsh and often the disabled do not get paid. ==MR. NIEH Differently Abled Person== It's very difficult for me to buy insurance. Mr. Nieh has suffered from polio since he was a child and says with frustration that he has often been refused insurance as he is disabled. He said that compared with most people, he is no different, but he just has difficulty moving. However, in the eyes of the insurance industry his history of illness means that he has become black listed by insurance companies. For his entire life, apart from general insurance, no insurance company is willing to insure him. ==MR. NIEH Differently Abled Person== For example if I or someone like me tries to buy accident insurance, then when I break my leg in a car accident... Of course I am required to tell them my condition in advance, but even so, they still won't reimburse me, but they should. To encourage the insurance industry to take on this type of customer, the Financial Supervisory Commission plans to include the number of polices sold to the disabled as well as the elderly as new metrics when evaluating an insurance company. The more such polices are sold, the higher ratings are given out, and with higher ratings, the insurance company's mandatory annual contribution to the Taiwan Insurance Guaranty Fund can be reduced to as low as 0.15% of total earned premiums. ==SHIH CHIUNG-HUA Deputy Director, FSC Insurance Bureau== To better take care of people with disability, we will add new metrics to our evaluation formula so that companies who sell more insurance to the disabled will get higher ratings, which translate into lower required payout ratio to the Taiwan Insurance Guaranty Fund. ==TENG HSI-HUA Secretary General, League for Persons with Disabilities== Incentivizing insurance companies is not enough. The FSC should also pen regulations to address this issue, because a lot of insurance companies have misconceptions when it comes to the disabled. The Insurance Brokerage Association of Taiwan said that annually, only 0.4 percent of disabled people apply for insurance, which is very low. This shows that insurance companies think that they are a high insurance risk. With the FSC guiding policy the industry feels that large insurance companies with high premiums may accept it, but smaller insurance companies, will not. TRANSLATED BY：CLARE LEAR 為了鼓勵保險業者，金管會放寬身障人士購買保單條件，強調只要銷售愈多，保險安定基金提撥率就愈低，可望從最高的0.4%，降為0.15%！不過，身心障礙聯盟認為，意義恐怕不大，即使身障人士能買保單，但理賠條件嚴苛，身障人士也不會買單。 ==身障人士 聶先生== 要一張保單真的很難 從小就患有小兒麻痺的聶先生無奈表示，過去買保險，常被拒保，只因為他是身障人士！他說他和一般人沒有兩樣，只是行動不方便，不過在保險業者眼中，他的病史，讓他成了保險公司的拒絕往來戶，這輩子除了一般儲蓄險，沒有一家保險公司敢受理。 ==身障人士 聶先生== 像我們如果投保意外險 那當我的腳如果不小心 發生車禍被截斷了 我這個小兒麻痺呀 他說你的投保前要告知 那我們已經告知了 但是他還是不會認為說 這個東西是應該要賠的 為了鼓勵保險業者，以更寬鬆標準，讓身障人士都有機會納保，金管會計畫，將保險安定基金的提撥率計算指標， 納入身障者保險，與小額終老保險，只要保險公司賣愈多這大兩類險種，獲得評鑑愈高，保險安定基金提撥率，可望從最高0.4%降為0.15%。 ==金管會保險局副局長 施瓊華== 能夠給身心障礙者 多一點這個考量啊 所以這個部份 我們也在那個配比評分裡面 把它加進去 他在安定基金的提撥率的繳交上 就可以給他更好的優惠啊 ==身心障礙聯盟秘書長 滕西華== 你不是只有鼓不鼓勵 他應該要給業者 一些明文的規定 很多保險業者其實對身心障礙者 有非常多誤解跟不了解 根據保險公會表示，每年身障人士投保的保單件數，只占整體保單的0.4%，投保率偏低！這表示保險公司認定，身障人士承保風險高，有了金管會的政策護航，業者認為，對保費收入高的大型保險公司誘因大，但規模較小的保險公司，恐怕不會買帳。 記者 黃立偉 張國樑 台北報導