The Study of Claim Disputation in Insurance
Date Issued
2014
Date
2014
Author(s)
Lin, Tzung-Wei
Abstract
The Taiwan Insurance Institude（TII）is an institude handling complaints and providing mediation services between insurance client and company .There are consultants from variety of territories judging the complaint event from insurance clients,so they could make a proper mediation for both sides of insurance complaint. Using 2011 statistical analysis of insurance appealing from Financial supervisory commission R.O.C. ,it is estimated that 3500 cases per year involving personal insurance disputes require mediation.Most cases(about 90%) are about the disagreement of both sides on the causation of insurance incidence.In some cases with dead insurance clients,no matter what the death certificates are issued from the doctors in hospitals,or in clinicians ,or medical examiners,they hold claim dispute about 30%,30% and 40% respectively,that means either death certificate origin can’t reach the confidence standard of insurance companies .Hence,if we could make more effort to improve the system of postmortem examination from the hospitals which are lacking the trust for shortening evidence of the dead and the judicatory death certificate prescribed by medical examiners with low autopsy rate,we could give a powerful hand on criminal investigation and evidence of criminal trial,besides,also help the public to pursue the justice in claim disputation.Among them,only 13 cases of autopsy were performed (22.8% of judicial postmortem examinations),but all autopsy cases conclusively identified the manner of death and resolved the insurance disputes. The results show forensic autopsy may be the only conclusive method in solving the disputations.
Subjects
保險理賠糾紛
司法解剖
行政相驗
司法相驗
SDGs
Type
thesis
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