May 2017

由財產保險業承作之專屬客製化保險商品毋庸辦理揭露且毋須編製說明文件提供公開查閱(台灣)

2017.03.30
翁乃方 律師
金融監督管理委員會於民國106年3月30日以金管保產字第10602521101號函令(下稱本號函令)指出由財產保險業承作之專屬客製化保險商品毋庸辦理揭露且毋須編製說明文件提供公開查閱,並自即日生效。

本號函令指出因「專屬客製化保險商品」係指主要承保內容依法人被保險人需求規格制定,僅能適用於該被保險人,且該保險商品將不再銷售予其他第三人,並依其保險商品內容可得辨識為該被保險人所投保者,毋須編製說明文件提供公開查閱。
爰本號函令即依據「財產保險業辦理資訊公開管理辦法」第三條第六款但書,規定財產保險業承作之「專屬客製化保險商品」,得排除適用上開規定應辦理揭露之保險商品範圍,而毋須編製說明文件提供公開查閱。

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