(1)After the insurance accident takes place, the applicant and beneficiary shall notify the company upon knowing the accident which the Company shall be held liable for insurance 10 days after the accident, in addition to visiting in person or filling out the power of attorney to appoint their relatives with enclosing required documents for application of insurance benefits from the Company after notice.
(2)Additionally, pursuant to the provision outlined in Article 25 of the Simple Life Insurance Act: “All rights generated from an insurance contract shall, if not exercised, be extinguished 5 years after the date of eligibility for claims.” Please apply for claims to avoid loss of rights 5 years after the insurance accident.
(3)The benefits made 15 days after the collection of claims documents shall be accrued with delinquent interest by 12% according to the Insurance Act.
(4)Notices:
i. Applicant and beneficiary of claims shall apply in person.
ii. Apply from the appointed post office.
2.Documents to be enclosed for application of claims
(1)Death benefit: To be applied by the claim beneficiary.
i. Policy
ii. Identification and seal of applicant and beneficiary. To entrust a third party, the proxy shall present the power of attorney, identification, and seal.
iii. Death certificate or relevant autopsy certificate. However, the documents of certificate of injury accident or police report records must be provided, if necessary (※The autopsy certificate with cause of death as “autopsy under assessment” may not apply for claims temporarily. Apply after the verification of cause of death)
iv. Household registry with registration cancellation of the insured
v. Consent for medical record investigation
vi. Postal Simple Life Insurance Benefit Application and Investigation Form
vii. If the death of the insured is caused by a “car accident,” please provide the “Road Traffic Accident Site Drawing” and “Road Traffic Accident Party Registration Form.”
viii. Postal Life Insurance Statement Matters and Personal Notice Duty Form (specifically for the application of claims services)
(2)Hospitalization and medical expenses(DAILY HOSPITALIZATION EXPENSE INSURANCE RIDER): To be applied by the insured.
i. Postal Simple Life Insurance Benefit Application and Investigation Form
ii. Policy
iii. Identification and seal of the insured
iv. Certificate of medical diagnosis and hospitalization certificate Those applying for “ICU and Burn Ward Benefits” must indicate the date in/out of ICU and burn ward. However, if the applicant or insured is a doctor, such party may not present the diagnosis or hospitalization certificate for the insured.
v. Consent for medical record investigation
vi. Postal Life Insurance Statement Matters and Personal Notice Duty Form (specifically for the application of claims services)
vii. The consent for the collection, processing and use of personal data in the medical record, medical and health examination with regards to the application of claims against postal life insurance (to be filled out for non-death related cases).
(3)Disability benefits
The base contract plan formed before March 1, 2001 shall be applied by the beneficiary of the claims. The base plan and injury insurance rider formed after March 1, 2001 shall be applied by the insured in person. The required documents are listed below:
i. Policy
ii. Identification and seal of the beneficiary or insured. To entrust proxy, the proxy shall present the power of attorney, identification and seal.
iii. Certificate of disability diagnosis (ask the doctor to remark on the date of confirmed disability and level of disability). However, if necessary, the Company may request for the accident injury certificate.
iv. Consent for medical record investigation.
v. Postal Simple Life Insurance Benefit Application and Investigation Form
vi. Postal Life Insurance Statement Matters and Personal Notice Duty Form (specifically for the application of claims services)
vii. The consent for the collection, processing and use of personal data in the medical record, medical and health examination with regards to the application of claims against postal life insurance (to be filled out for non-death related cases).
Criteria for Disability Benefit
(1)For the life insurance contract formed before December 25, 2003 (including the same day), “disability” should meet one of the following six conditions. The insured reached a disability of an “extremely severe” level that “could not restore the functionality permanently.”
i. Damage of the central nerve system that leads to paralysis.
ii. Damage to two extremities Referring to the full loss of functionality with a physician diagnosis, in 6 months after the disease or accident.
iii. Broken or missing one extremity. Referring to the missing one or more upper extremities or one or more lower extremities.
iv. Total blindness of two eyes Referring to the individual corrective vision of the two eyes permanently under the Landolt Vision Screening Chart of 0.02 or lower.
v. Complete loss of language ability
vi. Missing ten fingers of the hands Referring to missing ten fingers, the same applies to the permanently full loss of function after finger reattach surgery.
(2)The life insurance contracts formed after December 26, 2003 (including) shall be applied by the provisions of all contract clauses.
i. In coordination of the correction on 4-2-2 of “Disability Level and Benefit Payout Table” under “Injury Insurance Demonstration Clause,” the 4-1-2 “Un-missing or damage of nose but nose function with a permanently significant disability” shall be added to the claim items of disability starting January 1, 2020.
ii. For valid contract currently sold before January 1, 2020, and if the insured has an accident after January 1, 2020 with “Un-missing or damage of nose but nose function with a permanently significant disability” shall be applied with new or more advantageous principles for the claim processing.
Postal Life Insurance Services
