強制汽車責任保險給付標準

1These Standards are stipulated in accordance with the provisions of Paragraph 2 of Article 27 of the Compulsory Automobile Liability Insurance Act (hereinafter referred to as "this Act").

2Except for Paragraph 6 of Article 2, these standards shall apply mutatis mutandis to the compensation by the Motor Vehicle Accident Compensation Fund (hereinafter the Compensation Fund) subject to this Act.

1The Insurer shall pay personal injury medical expense benefits only for necessary and reasonable relevant medical expenses actually incurred to the injured party in respect of his/her bodily injury suffered in an automobile traffic accident. The total of personal injury medical expense benefits is limited to NT$200,000 per person in any one accident.

2The relevant medical expenses referred to in the preceding paragraph shall cover the following expenses:

31. "First-aid expense" means the expense for salvage search, ambulance and ambulance staff.

42. "Expense for medical treatment" means:

5(1) The injured party receives the National Health Insurance coverage:

6A: The payment subject to the National Health Insurance Act and the related beneficiaries expenses paid by the injured party.

7B: The Non National Health Insurance Payment : Only for ward expense, registration fee, medical certificate fee, meal expense, deductible expense for material and installation of artificial limbs, teeth and eyes paid by the injured party, and any other expenses for medical material (supplementary equipments included) and other protective tools necessary certified by medical doctors.

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1The disability suffered by the injured party because of an automobile traffic accident shall be graded to 15 levels. The impairment description under each impairment item, levels of disability, evaluation standards, and qualified hospitals or medical doctors to issue certificate of disability shall be subject to the attached Compulsory Automobile Liability Insurance Disability Payment Standards Table (hereinafter, "Disability Payment Standard Table").

2Disability” in this insurance means the state of an Injured Party having suffered a bodily injury because of an automobile traffic accident, of which the symptom is static after treatment and no effect can be anticipated from further treatment, and which is diagnosed by qualified doctors as a permanent disability.

3The payment standards for various levels of disability benefit listed in paragraph 1 are as follows:

41. Level 1: NT$2,000,000

52. Level 2: NT$1,670,000

63. Level 3: NT$1,400,000

74. Level 4: NT$1,230,000

85. Level 5: NT$1,070,000

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1In the case that the injured party suffers bodily disability because of an automobile traffic accident, the insurer of this insurance shall examine the claim in accordance with the following rules:

21. If the injured party's impairment fits any one item in the attached Disability Payment Standards Table, the benefit shall be paid in accordance with the level of such item.

32. If the injured party's impairment fits any two or more items in the attached Disability Payment Standards Table , the benefit shall be paid in accordance with the highest level among such items, except for the situation provided in the below subparagraphs.

43. If the injured party's impairment fits any two or more items from Level 14 to Level 1 in the attached Disability Payment Standards Table, the benefit shall be paid with one level higher than the highest qualified level. If the highest level is Level 1, the benefit shall be paid with Level 1.

54. If the injured party's impairment fits any two or more items from Level 8 to Level 1 in the attached Disability Payment Standards Table, the benefit shall be paid with two levels higher than the highest qualified level. If the highest level is Level 2 or above, the benefit shall be paid with Level 1.

65. If the injured party's impairment fits any two or more items from Level 5 to Level 1 in the attached Payment Standards Table, the benefit shall be paid with three levels higher than the highest qualified level. If the highest level is Level 3 or above, the benefit shall be paid with Level 1.

1If the original disable condition of the injured party becomes more serious because of an automobile traffic accident, the difference shall be paid the worse disability benefit deducting that for the original injury.

2If the injured party has received original disability benefit and the disability becomes serious to aggravate in disability degree or even loss of life due to the same automobile traffic accident, the difference shall be paid with the same way subject to the preceding paragraph.

The benefit for loss of life shall be NT$2,000,000 per person for the injured party in any one automobile traffic accident.

The benefit limit of this insurance for loss of life, disability and bodily injury medical expenses in any one automobile traffic accident shall be NT$2,200,000 per person.

1If the injured party's level of disability is questioned by the Insurer, it may at its own expenses require the injured party to provide a Class A medical certificate or to be examined by a regional teaching hospital approved by the Ministry of Health and Welfare. However, if the injured party provides only a Class A medical certificate, and based on the medical certificate, the Insurer is still not able to determine the level of disability that the injured party fits any content of the Disability Payment Standards Table, the Insurer may require the injured party to be examined by a hospital specified above.

2The relevant expenses for medical certificates and examinations under the preceding paragraph shall be borne by the Insurer.

These Standards shall be implemented from the day of announcement.