商保－金管會提醒保戶辦理保單借款應注意事項
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<P class=MsoNormal style="MARGIN: 0pt; TEXT-ALIGN: center" align=center><SPAN><STRONG>金管會提醒保戶辦理保單借款應注意事項<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0pt"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman'">【</SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:chsdate IsROCDate="False" IsLunarDate="False" Day="14" Month="10" Year="2011" w:st="on"><SPAN lang=EN-US style="FONT-FAMILY: Arial">2011-10-14</SPAN></st1:chsdate><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman'">】</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial; mso-hansi-font-family: 'Times New Roman'"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">行政院金融監督管理委員會（以下簡稱金管會）表示，鑑於保險公司為提供保戶資金周轉需要服務，常透過廣告或媒體宣傳推展保單借款業務，因此提醒保戶保單借款雖為資金周轉管道之一，惟保戶應於申請前事先瞭解保單借款可能衍生之利息負擔與權利義務關係。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">金管會進一步說明指出，保戶申請保單借款前應注意以下事項，以避免產生糾紛：</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 60pt; TEXT-INDENT: -36pt; mso-char-indent-count: -3.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">（一）借款利率：由於保單借款利率係由各保險公司衡酌營運成本訂定，故各保險公司之借款利率不一，保戶可於借款前上中華民國人壽保險商業同業公會網站之「各壽險公司保單借款利率一覽表」先作比較。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 60pt; TEXT-INDENT: -36pt; mso-char-indent-count: -3.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">（二）保單借款與契約效力：「人壽保險單示範條款」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">23</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定，未償還之借款本息超過保單價值準備金時，保險契約之效力即行停止，也就是說，保險契約若有此條款，則在保險契約效力停止期間，被保險人發生保險事故時，保險公司將不予理賠。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 60pt; TEXT-INDENT: -36pt; mso-char-indent-count: -3.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">（三）理賠金額將扣除借款本息：「人壽保險單示範條款」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">19</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定，若被保險人不幸於借款期間且保險契約尚未停效下發生保險事故，保險公司將在應給付之保險金中先扣除尚未清償之本息後再給付予受益人，保障金額將出現缺口。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial"><FONT color=#000000 size=3>金管會強調，保單借款雖具有隨借隨還之便利性，但保戶於申請前仍應瞭解上述注意事項，並詳細閱讀保單借款約定書，以維護自身之權益。</FONT></SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></P>
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<P class=MsoNormal style="MARGIN: 0pt; TEXT-ALIGN: center" align=center><SPAN><STRONG>金管會提醒保戶辦理保單借款應注意事項<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0pt"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman'">【</SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:chsdate IsROCDate="False" IsLunarDate="False" Day="14" Month="10" Year="2011" w:st="on"><SPAN lang=EN-US style="FONT-FAMILY: Arial">2011-10-14</SPAN></st1:chsdate><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: 'Times New Roman'">】</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial; mso-hansi-font-family: 'Times New Roman'"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">行政院金融監督管理委員會（以下簡稱金管會）表示，鑑於保險公司為提供保戶資金周轉需要服務，常透過廣告或媒體宣傳推展保單借款業務，因此提醒保戶保單借款雖為資金周轉管道之一，惟保戶應於申請前事先瞭解保單借款可能衍生之利息負擔與權利義務關係。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">金管會進一步說明指出，保戶申請保單借款前應注意以下事項，以避免產生糾紛：</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 60pt; TEXT-INDENT: -36pt; mso-char-indent-count: -3.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">（一）借款利率：由於保單借款利率係由各保險公司衡酌營運成本訂定，故各保險公司之借款利率不一，保戶可於借款前上中華民國人壽保險商業同業公會網站之「各壽險公司保單借款利率一覽表」先作比較。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 60pt; TEXT-INDENT: -36pt; mso-char-indent-count: -3.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">（二）保單借款與契約效力：「人壽保險單示範條款」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">23</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定，未償還之借款本息超過保單價值準備金時，保險契約之效力即行停止，也就是說，保險契約若有此條款，則在保險契約效力停止期間，被保險人發生保險事故時，保險公司將不予理賠。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt 0pt 0pt 60pt; TEXT-INDENT: -36pt; mso-char-indent-count: -3.0; mso-para-margin-left: 2.0gd"><FONT size=3><FONT color=#000000><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">（三）理賠金額將扣除借款本息：「人壽保險單示範條款」第</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial">19</SPAN><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">條規定，若被保險人不幸於借款期間且保險契約尚未停效下發生保險事故，保險公司將在應給付之保險金中先扣除尚未清償之本息後再給付予受益人，保障金額將出現缺口。</SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0"><SPAN style="FONT-FAMILY: 新細明體; mso-bidi-font-family: Arial; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial"><FONT color=#000000 size=3>金管會強調，保單借款雖具有隨借隨還之便利性，但保戶於申請前仍應瞭解上述注意事項，並詳細閱讀保單借款約定書，以維護自身之權益。</FONT></SPAN><SPAN lang=EN-US style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></P>
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