Home  > Postal Life Insurance Services  > Postal Life Insurance Services  > Working Holidays

This section only offers policyholders with a description of insurance renewal during overseas holidays working. If the policyholder insures for the first time or renews insurance in Taiwan, please refer to the description of your first insurance and insurance renewal, or call the Company customer service center via phone0800-700-365.

Those who renew the insurance abroad are exempted from applying for renewal. As long as there is enough money in the payment deposit account agreed during the validity period of the main contract to deduct the insurance premium for the renewal year (main contract + rider insurance premium), the accident insurance rider will be auto-renewal.

Accident insurance and medical insurance(Rider) :

• JIN-PING-AN INJURY AND CHILD INJURY DISABILITY INSURANCE RIDER

  1.Providing basic financial protection for people and is the best choice for insurance policyholders at home and traveling. 

  2.Affordable premium for injury protection of rider to the base plan. 

  3.Automatic insurance renewal until the insured reaching the 75th policy anniversary of the insurance age.

• JI-AN INJURY AND CHILD INJURY DISABILITY INSURANCE RIDER

  1․Disability or death insurance protecting the insured from accidents and injuries. 

  2․Affordable premium for injury protection of rider to the base plan. 

  3․Automatic insurance renewal until the insured reaching 75th policy anniversary of the insurance age.

• DAILY HOSPITALIZATION EXPENSE INSURANCE RIDER

  1.Attentive "treatment benefit".

  2.Double payment for "ICU and Burn Warn Benefits".

  3.Guaranteed insurance renewal up to 70 years old.

Renewal of insurance (no application is required during the validity period of the main contract) :

The company's accident insurance is an automatic renewal product. As long as there is sufficient amount in the payment deposit account agreed during the validity period of the main contract to deduct the annual insurance premium (main contract + rider insurance premium), accident insurance will be automatically renewed. The policyholder is not required to apply for renewal.

Related web links:

Ministry of Foreign Affairs-Working holidays

Bureau of Consular Affairs

First time insurance( go to the nearby post office before going abroad):

The company's accident insurance can only be sold as “rider”，above-mentioned accident insurance rider can only be attached after purchasing the current life insurance product (except 1-YEAR TERM LIFE INSURANCE).

Current life insurance product (main contract)

• YOU-SING-FU ENDOWMENT

  1.Collect the "survival benefit" on the expiration of the 3rd, 6th, 9th, and 12th policy anniversary.

  2.Collect "expiry benefit" in lump sum on expiration after 15 years of payment period.

• CHANG-HONG INCREASING ENDOWMENT

  1․The insured amount will increment by 5% in the simple annual interest rate of the basic coverage starting from the first policy year until the 20th policy year.

  2․On the expiration of every 2 years of the policy anniversary (excluding the current payment period expiration), collect 10% of the basic coverage at the time as the survival benefit. 

  3․Collect twice the basic coverage at the time in one lump sum on the expiration of the contract.

• HAO-LI-WANG INTEREST SENSITIVE INSURANCE

  1.Crediting interest rate is adjusted flexibly.Value-added feedback and protection.

  2.1st to 10th policy anniversary：Every 2 years policy anniversary,survival benefit is paid at 3% of the insured amount at the time.11th to 19th policy anniversary：Every policy anniversary,survival benefit is paid at 6% of the insured amount at the time.

  3.At the end of the term, 1.5 times of the insured amount at the time will be paid in one lump sum.

• JIN-SING-FU ENDOWMENT

  1.For policy anniversary day on 3rd, 6th, 9th and 12th anniversary, collect the survival benefits of 2%, 3%, 4%, and 5% of the insurance coverage at the time.

  2.Collect the expiry benefit in one lump sum on the expiration date of the contract.

• NIAN-NIAN-CHANG-CHUN INCREASING ENDOWMENT

  1.The insured amount starts from the first policy year and increases year by year based on the basic insured amount at an annual simple interest of 20% until the 10th policy year.

  2.During the payment period, survival benefit will be paid based on 2% of the current basic insured amount on each policy anniversary. From the expiration of the payment period (including the expiration at that time) to the policy anniversary that the insured age is 77 years old, survival benefit will be paid based on 5% of the current basic insured amount on each policy anniversary.

  3.If the insured is still alive on the policy anniversary that the insured age is 78 years old and the contract is still valid, the company will pay maturity benefit based on the current insured amount.

• CHANG-LE INCREASING ENDOWMENT

  1․The insured amount will increment by 5% in simple annual interest rate of the basic coverage starting from the first policy year until the 20th policy year. 

  2․During the payment period, on every 3rd, 6th, and 9th anniversary of policy day and upon expiration of the payment period (including the expiration year) to the 19th policy anniversary, the survival benefit of 6% per the basic coverage at the time will be distributed on each policy anniversary. 

  3․Collect expiry benefit in lump sum on expiration.