... 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 ...此網頁已閒置超過5分鐘，請點透明黑底或右上×按鈕繼續閱讀人為關閉警報系統消防法僅能限期改善人為關閉警報系統消防法僅能限期改善人為關閉警報系統消防法僅能限期改善人為關閉警報系統消防法僅能限期改善內容熱門議題即時影音節目論壇專題策展數位敘事熱門分類政治地方全球文教科技兩岸社福人權產經環境社會生活即時新聞新聞分類當期節目專題策展數位敘事首頁生活綜合總覽FSCENCOURAGESINSURANCEINDUSTRYTOCOVERTHEDISABLED|鼓勵賣保單給身障者金管會提政策2017-05-0208:40最後更新：2017-05-0210:34Toencouragetheinsuranceindustry,theFinancialSupervisoryCommissionhaswidenedthescopeofthedisabledtobuyinsurance.Itsaysthemoretheysell,thelowertheTaiwanInsuranceGuarantyFundratio.Atthehighestitwouldbe0.4percentandfallto0.15percent.However,theEnableOrganizationthinksthatthisdoesnotmakemuchdifference,andthateventhoughthedisabledcanbuyinsurance,theclaimconditionsareharshandoftenthedisableddonotgetpaid.==MR.NIEHDifferentlyAbledPerson==It'sverydifficultformetobuyinsurance.Mr.Niehhassufferedfrompoliosincehewasachildandsayswithfrustrationthathehasoftenbeenrefusedinsuranceasheisdisabled.Hesaidthatcomparedwithmostpeople,heisnodifferent,buthejusthasdifficultymoving.However,intheeyesoftheinsuranceindustryhishistoryofillnessmeansthathehasbecomeblacklistedbyinsurancecompanies.Forhisentirelife,apartfromgeneralinsurance,noinsurancecompanyiswillingtoinsurehim.==MR.NIEHDifferentlyAbledPerson==ForexampleifIorsomeonelikemetriestobuyaccidentinsurance,thenwhenIbreakmyleginacaraccident...OfcourseIamrequiredtotellthemmyconditioninadvance,butevenso,theystillwon'treimburseme,buttheyshould.Toencouragetheinsuranceindustrytotakeonthistypeofcustomer,theFinancialSupervisoryCommissionplanstoincludethenumberofpolicessoldtothedisabledaswellastheelderlyasnewmetricswhenevaluatinganinsurancecompany.Themoresuchpolicesaresold,thehigherratingsaregivenout,andwithhigherratings,theinsurancecompany'smandatoryannualcontributiontotheTaiwanInsuranceGuarantyFundcanbereducedtoaslowas0.15%oftotalearnedpremiums.==SHIHCHIUNG-HUADeputyDirector,FSCInsuranceBureau==Tobettertakecareofpeoplewithdisability,wewilladdnewmetricstoourevaluationformulasothatcompanieswhosellmoreinsurancetoth