自失能險與長照險觀人身保險契約中等待期間與免責期間之約定【本期企劃】 試閱
The Clause of Waiting Period and Exclusion Period in Personal Insurance Contracts from the Perspective of Disability Insurance and Long-Term Care Insurance
失能險與長照險具有分散個人面臨失能或長期照顧狀態等危險之效果，而於其等契約條款中，常設有等待期間或免責期間等約定，前者主要係為避免帶病投保等逆選擇行為發生及疾病發生時點之事實認定困難，性質上為除外條款；後者係為劃定契約所欲承保之「長期照顧狀態」，性質上為承保條款，均會對契約承保範圍產生相當特定或限縮效果，故計畫投保失能險或長照險者應詳實審視相關約定內容，以確保自身權益。
Disability insurance and long-term care insurance serve to mitigate the risks associated with disability and long-term care needs. The contractual terms of such insurance policies frequently include clauses for waiting periods and exclusion periods. The former primarily aims to prevent adverse selection, such as purchasing insurance after the onset of illness, and to address difficulties in determining the timing of disease occurrence. It is, by nature, an exclusion clause. The latter, in contrast, defines the scope of coverage for the insured “long-term care condition” and constitutes a coverage clause. Both provisions significantly influence the extent of coverage, often imposing specific limitations. Consequently, individuals planning to purchase disability or long-term care insurance should thoroughly review these provisions to safeguard their rights and interests.
027-038
