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簡介

當被保險人所面臨之法律責任風險依法應負擔之賠償金額超過基層責任保險(Primary Liability Insurance)之保險金額時,方由超額保險負賠償責任。

保障內容

核准日期及文號

  • 100.11.18(100)美亞保精字第0375號函備查
  • 102.03.04(102)美亞保精字第0030號函備查
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍

Whereas the Insured named in the Schedule hereto has paid or agreed to pay the AIG TAIWAN INSURANCE CO., LTD. (hereinafter called “the Insurer”the Premium specified in the Schedule as consideration for following insurance. 
The Insurer hereby agree to indemnify the Insured to the extent of the limits set forth in the Schedule hereof in respect of all sums which the Insured shall become legally liable to pay as damages consequent upon bodily injury and loss of or damage to property occurring during the period of Insurance in respect of any description of legal liability whatsoever incurred in connection with the business all as more fully described in the aftermentioned Primary Policy (hereinafter called “the Primary Policy”).

Provided always that: 
基於保險單首頁所載之被保險人已支付或同意支付本公司保險單首頁所載之保險費,本公司同意賠償被保險人有關下列基層保險契約(下稱「基層保險契約」)所述之業務而對他人於保險期間內發生身體傷害及財產損失或毀損所應負賠償義務之總額,並以保險金額為上限。但:

1. No liability shall attach to the Insurer hereunder unless and until the Primary and/or Underlying Excess Insurers have paid or have been held liable to pay the full amount of their ultimate net loss liability as specified in of the Schedule. (hereinafter called “the excess any one loss”). 
1.除非基層及/或基礎超額賠款責任保險之保險人已支付或應支付其於保險單首頁所載其最終淨損責任之全額外,本公司不負賠償責任(下稱「每一損失之免賠額」)

2. The liability of the Insurer hereunder shall not exceed the amount specified in the Schedule. 
2. 本公司之責任不應超過保險單首頁所載之金額。

CONDITIONS 
情況

1. The term “ultimate net loss” shall be understood to mean the sum actually paid in cash in the settlement of losses for which the Insured are liable after making proper deductions for all recoveries, salvages and other insurance (other than the Primary and/or Underlying Excess Insurance) whether recovered or not, and shall exclude all costs and expenses. 
1.「最終淨損責任」應指以現金實際支付被保險人於扣除所有追償款、殘值及基層及/或基礎保險以外之其他保險(不論是否已為追償)後應負損失賠償責任之金額,其並應排除所有成本及費用。 

2. In the event of a claim occurring likely to exceed ‘the excess any one loss’ no costs shall be incurred without the consent of the Insurer who shall be given the opportunity of co-operating in the settlement of claims in which they are interested. Should the Claim become adjustable previous to going into court or judgement be entered for a sum of not more than ‘the excess any one loss’ then no costs shall be payable by the Insurer under this Policy. 
2. 當賠償請求可能超過每一損失之免賠額時,未經本公司同意不得產生費用。本公司應有機會參與與其有利害關係之賠償請求之協商。如賠償請求於訴訟前得調整或做成判決以不超過每一損失之免賠額者,則本公司依本保險契約就任何費用均不負責任。 

3. Should, however, the sum for which the said claim may be so adjustable exceed ‘the excess any one loss’ then the Insurer hereunder if it consents to proceedings continuing shall contribute to the costs in the ratio that their proportion of the liability for the judgement rendered bears to the whole amount of the said judgment. 
3. 但如系爭賠償請求之金額得調整為超過每一損失之免賠額者,則本公司於同意繼續進行時,應依判決所載其應負責任相對於所有判決金額之比例負擔費用。

4. In the event that the Insured having the right to appeal a judgement in excess of ‘the excess any one loss’ elect but not to appeal such judgement then the Insurer may elect to conduct such appeal at their own costs and expense and shall be liable for the taxable costs and interest incidental thereto but in no event shall the liability of the Insurers exceed the sum stated under the Schedule of this Policy plus such taxable costs and interests as aforesaid. 
4. 若被保險人有權就超過每一損失之免賠額之判決提起上訴,但其選擇不上訴時,則本公司得選擇提起上訴,所生費用由本公司自行負擔,並應負擔相關應稅費用及可能產生之利息。但本公司所負之責任應以保險單首頁所載之金額加上應稅費用及前述利息為限。

5. It is understood and agreed that this Policy is subject to the same warranties, terms and conditions (except as regards the premium the amount and limit of liability and the renewal agreement, if any, and except as otherwise provided herein) as are contained in or as may be added to the Primary Policy. No amendment to the Policy of Primary Insurers during the period of this Policy in respect of which the Primary Insurers require an additional premium or a deductible shall be effective in extending the scope of this Policy until agreed in writing by the Insurer. 
5. 茲經瞭解並同意,本保險契約與基層保險契約所載或得增訂之保證、條款及條件(除保險費、保險金額、更新合約(如有)及除本保險契約另有約定外)相同。於保險期間內,基層保險契約中有關其保險人要求額外保險費或自負額以擴大本保險契約之範圍者,非經本公司書面同意,不生效力。

6. The Insurer shall not be liable in respect of bodily injury to any person arising out of employment of such person by the Insured under a contract of service or apprenticeship or to any other person who under the terms of a contract agreement or other undertaking carries out work for the Insured in the business of the Insured which but for the contract agreement or other undertaking would have been carried out by persons under a contract of service with the Insured. 
6. 本公司就因被保險人依服務契約或實習而僱傭之人,或依契約合意之條款或其他承諾為被保險人所營事業工作之任何人,所受之身體傷害,不負賠償責任。且該等依契約合意或其從事工作原係應由與被保險人具有服務契約之人所履行。 

7. It is a condition of this Insurance that the Primary and/or Underlying Excess Policies shall be maintained in full force and effect during the currency hereof except for any reduction of the aggregate limits (if any) contained in the said Primary and/or Underlying Excess Policies solely by payment of claims in respect of claims made during the currency hereof. 
7. 本保險契約之條件之一為基層及/或基礎超額賠款責任保險契約應於保險期間內維持有效並實行,但不包含基層及/或基礎超額賠款責任保險契約之累計限額(如有)單純因為支付保險期間內所為之賠償請求而減少者。

8. In the event of any loss arising which appears likely to result in a claim under this Policy immediate notice of same is to be, given to the Insurer. 
8. 當可能導致本保險契約賠償請求之任何損失發生時,應立即通知本公司。

9. It is understood and agreed that should the underlying limits become impaired or exhausted for claim(s) , payment(s) and/or loss adjustment expense(s) excluded by this Policy, coverage provided by this Policy will not drop down over the impaired or exhausted underlying limits, however, the Policy will continue to respond for covered claims in excess of the limits stated in the Schedule page as underlying. 
9. 茲經瞭解並同意,如基層保險契約之保險金額因本保險契約所排除之賠償請求、保險給付及/或損失認定費用而減少或用盡,本保險契約之承保範圍不應因此而降低。

不保事項

同主保險契約承保範圍之約定 
*本保險單為英文保單,中文節譯僅供參考,應以英文條款內容為準。

銷售予金融消費者之保險商品預定附加費用率: 8%~40%

短期費率表

凡保險期間未滿一年或投保後終止保險契約者,應按下列百分比計收保險費。

 

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  保險有效期間 應收全年保險費之百分比

一個月或以下者 15%

超過一個月以上至滿二個月者 25%

超過二個月以上至滿三個月者 35%

超過三個月以上至滿四個月者 45%

超過四個月以上至滿五個月者 55%

超過五個月以上至滿六個月者 65%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十個月以上至十一個月者 95%

超過十一個月以上者 100%

保費退費係數表

  1. 被保險人於投保後要求終止保險契約者,其未滿期之保險費,本公司依全年保費扣除已滿期之保險費後退還之。已滿期之保險費應按短期費率表計算)
  2. 本公司依規定終止保險契約時,其未滿期之保險費,按未滿期日數比例退還之。


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