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{\"word\": \"楊\"}, {\"word\": \"瓊\"}, {\"word\": \"英\", \"start\": 364.464, \"end\": 365.286, \"score\": 0.915}, {\"word\": \"楊\"}, {\"word\": \"瓊\"}, {\"word\": \"英\", \"start\": 365.286, \"end\": 365.526, \"score\": 0.916}, {\"word\": \"委\", \"start\": 365.526, \"end\": 365.907, \"score\": 0.912}, {\"word\": \"員\"}, {\"word\": \"不\", \"start\": 365.907, \"end\": 366.028, \"score\": 0.974}, {\"word\": \"在\", \"start\": 366.028, \"end\": 366.629, \"score\": 0.986}, {\"word\": \"那\", \"start\": 366.629, \"end\": 367.391, \"score\": 0.932}, {\"word\": \"請\"}, {\"word\": \"陳\"}, {\"word\": \"佩\", \"start\": 367.391, \"end\": 367.711, \"score\": 0.869}, {\"word\": \"儀\"}, {\"word\": \"委\", \"start\": 367.711, \"end\": 367.732, \"score\": 0.052}, {\"word\": \"員\"}, {\"word\": \"質\"}, {\"word\": \"詢\"}], \"language\": \"zh\"}","srt":"1\n00:00:01,390 --> 00:00:27,984\n台康大致地號897號裁定認定執行法院必要時得核發命令終止債務人名下的人壽保險契約並命保險公司償付解約金此裁定確定後保單遭強制執行的案件是急增造成司法體系負擔的加重保險金融機構經營壓力上升並嚴重侵害到保護\n\n2\n00:00:29,665 --> 00:00:51,468\n被保險人及受益人的基本權益我想人壽保險具有高度的公益性意在提供死亡、失能、疾病等基本保險不應視為財產的性質、任意的宗旨強制執行的程序當中未設宗旨保險契約及破壞民眾基本的社會安全網\n\n3\n00:00:52,389 --> 00:01:15,931\n我想這也加重了國家社會的一個救助體系的一個負擔所以有違保險制度一個設立的一個本質我想這些東西主委你應該都非常的清楚相關的一個脈絡但是確保債務人即便遭扣押執行能夠維持基本保險所以我們在今天希望能夠提出保險法的一個部分條文修正\n\n4\n00:01:16,772 --> 00:01:38,451\n以完善這個社會的保障機制我自己也有提案喔但是我有幾個問題想請教一下主委在法制的作業上任何一部法案提出的時候在行政院審查之前都會要求各部會針對修正的重點啊作為法規的一個影響評估請問能不能將保險法的法規影響評估提供給各個委員看一下\n\n5\n00:01:39,785 --> 00:01:54,885\n我想我們在提案之前當然有跟相關比如跟我們的司法院法務部還有行政院那個那法治人民都做溝通還有當然包括學者專家我相信所以我說法規的影響評估我們想知道一下\n\n6\n00:01:55,886 --> 00:02:11,063\n會員可以提供給我嗎可以啊就是等於說我們的相關的過程文件我可以提供給委員好那剛剛主委有提到你也是在交保險的是的那我想問一下請問都是哪些族群被強制執行保單您個人知道嗎\n\n7\n00:02:11,824 --> 00:02:34,135\n我想從現在契約的角度來看其實大法庭的裁定只有人壽保險契約但是實際上我們在實務上幾乎所有的都有可能購買到人壽所以主選不一定對其實我們看那個配比裡面大概有七成四左右是傷害跟健康傷害險跟健康險\n\n8\n00:02:34,955 --> 00:03:04,375\n那這部分這也是為什麼我覺得這個東西啊應該直接把它排除這是我們立法上面很重要的就實務上很多賢總實在是不具備有被有查扣的價值的時候也變成這個獸類我想這個就是我們現在面臨到很大的問題我想什麼該排除什麼該保留這個部分我們尊重專業但目前我們看到一些困境就是這些當事者他們所提出的那社會已經造成這樣子的一個氛圍的時候我們注意到我們希望能夠重視那我想問一下\n\n9\n00:03:05,375 --> 00:03:21,560\n主委你有沒有知道多少保單被強制執行現在就是總共我們現在案量裡面我們的統計大概123萬件左右123萬件喔我是不知道你的70年啦但是我的70年如果是20231月的話到20249月\n\n10\n00:03:24,201 --> 00:03:47,702\n法院扣押的保單件數就是92.8萬件沒關係這個沒有要比數字正確啦但是可以看到是數字量蠻高的所以我們現在才準備要來修法我是覺得稍嫌過慢但是行政院院版在設定上每人每月最低生活費剛剛很多的委員都在探討這一題\n\n11\n00:03:49,263 --> 00:04:09,008\n1.2倍乘以三個月作為免執行的一個標準但是司法院的報告你們有掌握嗎司法院的報告是標準偏低啦所以剛剛為什麼司民委員世間委員他們甚至是非常非常的批判甚至到很嚴厲的\n\n12\n00:04:10,228 --> 00:04:39,267\n那我們都是一貫的態度就是為民請命當然希望能夠把民眾的聲音傳達這樣的標準實在是太低啊司法院也提出了建議請問免執行的標準是否有調整的機會您覺得呢我剛才已經表達過很多次我們尊重可以可以做回來努力對我想從這個保障基本生活的權利啦重新評估這個門檻另外現行介入權三個月真的夠嗎您個人呢\n\n13\n00:04:41,088 --> 00:05:05,024\n呃有兩個不同的意見啦因為事實上越早確定有人主張越早確定越好否則這個關係這麼久的話處於不確定狀況其實不見得是有利啦我的版本是六個月啦對對對我們還是介入人往往是被保險人的配偶子女短時間要籌出一筆錢喔保住保單三個月多數人我覺得是真的不夠啦\n\n14\n00:05:06,185 --> 00:05:33,278\n經管會是否有實際統計或者是評估資料支持三個月就足夠你要說服我們不是單單就告訴我們三個月所以這樣子的判斷我是覺得說是基於作業方便嗎還是真的有這樣子的依據所以我要再次強調我的版本是六個月修法後如何確保各保險公司執行機關落實規定避免能夠損及保障基本的權益這個是我們現在要來努力的\n\n15\n00:05:33,738 --> 00:05:58,030\n跟委員報告我們可以提供資料我們主要參考國家他們在提供一個月啦那我們這邊三個月這資料給我了解一下我們在主條討論的時候我們再來探討都沒關係但是我希望不要忘記基本的生活權莫忘世上苦人多對這是我們的本質啦族群各個種類都有但是我們永遠要救能救一個算一個就是我們不要忘記苦民所苦謝謝對謝謝謝謝委員\n\n16\n00:05:59,152 --> 00:06:07,732\n謝謝謝謝庭委接著葉言之葉言之葉言之委員不在楊瓊英楊瓊英楊瓊英委員不在那請陳佩儀委員質詢\n\n","tsv":"start\tend\ttext\n1390\t27984\t台康大致地號897號裁定認定執行法院必要時得核發命令終止債務人名下的人壽保險契約並命保險公司償付解約金此裁定確定後保單遭強制執行的案件是急增造成司法體系負擔的加重保險金融機構經營壓力上升並嚴重侵害到保護\n29665\t51468\t被保險人及受益人的基本權益我想人壽保險具有高度的公益性意在提供死亡、失能、疾病等基本保險不應視為財產的性質、任意的宗旨強制執行的程序當中未設宗旨保險契約及破壞民眾基本的社會安全網\n52389\t75931\t我想這也加重了國家社會的一個救助體系的一個負擔所以有違保險制度一個設立的一個本質我想這些東西主委你應該都非常的清楚相關的一個脈絡但是確保債務人即便遭扣押執行能夠維持基本保險所以我們在今天希望能夠提出保險法的一個部分條文修正\n76772\t98451\t以完善這個社會的保障機制我自己也有提案喔但是我有幾個問題想請教一下主委在法制的作業上任何一部法案提出的時候在行政院審查之前都會要求各部會針對修正的重點啊作為法規的一個影響評估請問能不能將保險法的法規影響評估提供給各個委員看一下\n99785\t114885\t我想我們在提案之前當然有跟相關比如跟我們的司法院法務部還有行政院那個那法治人民都做溝通還有當然包括學者專家我相信所以我說法規的影響評估我們想知道一下\n115886\t131063\t會員可以提供給我嗎可以啊就是等於說我們的相關的過程文件我可以提供給委員好那剛剛主委有提到你也是在交保險的是的那我想問一下請問都是哪些族群被強制執行保單您個人知道嗎\n131824\t154135\t我想從現在契約的角度來看其實大法庭的裁定只有人壽保險契約但是實際上我們在實務上幾乎所有的都有可能購買到人壽所以主選不一定對 其實我們看那個配比裡面大概有七成四左右是傷害跟健康傷害險跟健康險\n154955\t184375\t那這部分這也是為什麼我覺得這個東西啊應該直接把它排除這是我們立法上面很重要的就實務上很多賢總實在是不具備有被有查扣的價值的時候也變成這個獸類我想這個就是我們現在面臨到很大的問題我想什麼該排除什麼該保留這個部分我們尊重專業但目前我們看到一些困境就是這些當事者他們所提出的那社會已經造成這樣子的一個氛圍的時候我們注意到我們希望能夠重視那我想問一下\n185375\t201560\t主委你有沒有知道多少保單被強制執行現在就是總共我們現在案量裡面我們的統計大概123萬件左右123萬件喔我是不知道你的70年啦但是我的70年如果是20231月的話到20249月\n204201\t227702\t法院扣押的保單件數就是92.8萬件沒關係這個沒有要比數字正確啦但是可以看到是數字量蠻高的所以我們現在才準備要來修法我是覺得稍嫌過慢但是行政院院版在設定上每人每月最低生活費剛剛很多的委員都在探討這一題\n229263\t249008\t1.2倍乘以三個月作為免執行的一個標準但是司法院的報告你們有掌握嗎司法院的報告是標準偏低啦所以剛剛為什麼司民委員世間委員他們甚至是非常非常的批判甚至到很嚴厲的\n250228\t279267\t那我們都是一貫的態度就是為民請命當然希望能夠把民眾的聲音傳達這樣的標準實在是太低啊司法院也提出了建議請問免執行的標準是否有調整的機會您覺得呢我剛才已經表達過很多次我們尊重可以可以做回來努力對我想從這個保障基本生活的權利啦重新評估這個門檻另外現行介入權三個月真的夠嗎您個人呢\n281088\t305024\t呃 有兩個不同的意見啦 因為事實上 越早確定有人主張越早確定越好 否則這個關係這麼久的話 處於不確定狀況 其實不見得是有利啦我的版本是六個月啦 對對對 我們還是介入人往往是被保險人的配偶 子女 短時間要籌出一筆錢喔保住保單三個月 多數人我覺得是真的不夠啦\n306185\t333278\t經管會是否有實際統計或者是評估資料支持三個月就足夠你要說服我們不是單單就告訴我們三個月所以這樣子的判斷我是覺得說是基於作業方便嗎還是真的有這樣子的依據所以我要再次強調我的版本是六個月修法後如何確保各保險公司執行機關落實規定避免能夠損及保障基本的權益這個是我們現在要來努力的\n333738\t358030\t跟委員報告 我們可以提供資料我們主要參考國家 他們在提供一個月啦那我們這邊三個月這資料給我了解一下 我們在主條討論的時候我們再來探討 都沒關係但是我希望 不要忘記基本的生活權莫忘世上苦人多對 這是我們的本質啦族群各個種類都有 但是我們永遠要救 能救一個算一個就是我們不要忘記苦民所苦 謝謝對 謝謝 謝謝委員\n359152\t367732\t謝謝 謝謝庭委接著葉言之 葉言之 葉言之委員不在楊瓊英 楊瓊英 楊瓊英委員不在那請陳佩儀委員質詢\n","txt":"台康大致地號897號裁定認定執行法院必要時得核發命令終止債務人名下的人壽保險契約並命保險公司償付解約金此裁定確定後保單遭強制執行的案件是急增造成司法體系負擔的加重保險金融機構經營壓力上升並嚴重侵害到保護\n被保險人及受益人的基本權益我想人壽保險具有高度的公益性意在提供死亡、失能、疾病等基本保險不應視為財產的性質、任意的宗旨強制執行的程序當中未設宗旨保險契約及破壞民眾基本的社會安全網\n我想這也加重了國家社會的一個救助體系的一個負擔所以有違保險制度一個設立的一個本質我想這些東西主委你應該都非常的清楚相關的一個脈絡但是確保債務人即便遭扣押執行能夠維持基本保險所以我們在今天希望能夠提出保險法的一個部分條文修正\n以完善這個社會的保障機制我自己也有提案喔但是我有幾個問題想請教一下主委在法制的作業上任何一部法案提出的時候在行政院審查之前都會要求各部會針對修正的重點啊作為法規的一個影響評估請問能不能將保險法的法規影響評估提供給各個委員看一下\n我想我們在提案之前當然有跟相關比如跟我們的司法院法務部還有行政院那個那法治人民都做溝通還有當然包括學者專家我相信所以我說法規的影響評估我們想知道一下\n會員可以提供給我嗎可以啊就是等於說我們的相關的過程文件我可以提供給委員好那剛剛主委有提到你也是在交保險的是的那我想問一下請問都是哪些族群被強制執行保單您個人知道嗎\n我想從現在契約的角度來看其實大法庭的裁定只有人壽保險契約但是實際上我們在實務上幾乎所有的都有可能購買到人壽所以主選不一定對 其實我們看那個配比裡面大概有七成四左右是傷害跟健康傷害險跟健康險\n那這部分這也是為什麼我覺得這個東西啊應該直接把它排除這是我們立法上面很重要的就實務上很多賢總實在是不具備有被有查扣的價值的時候也變成這個獸類我想這個就是我們現在面臨到很大的問題我想什麼該排除什麼該保留這個部分我們尊重專業但目前我們看到一些困境就是這些當事者他們所提出的那社會已經造成這樣子的一個氛圍的時候我們注意到我們希望能夠重視那我想問一下\n主委你有沒有知道多少保單被強制執行現在就是總共我們現在案量裡面我們的統計大概123萬件左右123萬件喔我是不知道你的70年啦但是我的70年如果是20231月的話到20249月\n法院扣押的保單件數就是92.8萬件沒關係這個沒有要比數字正確啦但是可以看到是數字量蠻高的所以我們現在才準備要來修法我是覺得稍嫌過慢但是行政院院版在設定上每人每月最低生活費剛剛很多的委員都在探討這一題\n1.2倍乘以三個月作為免執行的一個標準但是司法院的報告你們有掌握嗎司法院的報告是標準偏低啦所以剛剛為什麼司民委員世間委員他們甚至是非常非常的批判甚至到很嚴厲的\n那我們都是一貫的態度就是為民請命當然希望能夠把民眾的聲音傳達這樣的標準實在是太低啊司法院也提出了建議請問免執行的標準是否有調整的機會您覺得呢我剛才已經表達過很多次我們尊重可以可以做回來努力對我想從這個保障基本生活的權利啦重新評估這個門檻另外現行介入權三個月真的夠嗎您個人呢\n呃 有兩個不同的意見啦 因為事實上 越早確定有人主張越早確定越好 否則這個關係這麼久的話 處於不確定狀況 其實不見得是有利啦我的版本是六個月啦 對對對 我們還是介入人往往是被保險人的配偶 子女 短時間要籌出一筆錢喔保住保單三個月 多數人我覺得是真的不夠啦\n經管會是否有實際統計或者是評估資料支持三個月就足夠你要說服我們不是單單就告訴我們三個月所以這樣子的判斷我是覺得說是基於作業方便嗎還是真的有這樣子的依據所以我要再次強調我的版本是六個月修法後如何確保各保險公司執行機關落實規定避免能夠損及保障基本的權益這個是我們現在要來努力的\n跟委員報告 我們可以提供資料我們主要參考國家 他們在提供一個月啦那我們這邊三個月這資料給我了解一下 我們在主條討論的時候我們再來探討 都沒關係但是我希望 不要忘記基本的生活權莫忘世上苦人多對 這是我們的本質啦族群各個種類都有 但是我們永遠要救 能救一個算一個就是我們不要忘記苦民所苦 謝謝對 謝謝 謝謝委員\n謝謝 謝謝庭委接著葉言之 葉言之 葉言之委員不在楊瓊英 楊瓊英 楊瓊英委員不在那請陳佩儀委員質詢\n","vtt":"WEBVTT\n\n00:01.390 --> 00:27.984\n台康大致地號897號裁定認定執行法院必要時得核發命令終止債務人名下的人壽保險契約並命保險公司償付解約金此裁定確定後保單遭強制執行的案件是急增造成司法體系負擔的加重保險金融機構經營壓力上升並嚴重侵害到保護\n\n00:29.665 --> 00:51.468\n被保險人及受益人的基本權益我想人壽保險具有高度的公益性意在提供死亡、失能、疾病等基本保險不應視為財產的性質、任意的宗旨強制執行的程序當中未設宗旨保險契約及破壞民眾基本的社會安全網\n\n00:52.389 --> 01:15.931\n我想這也加重了國家社會的一個救助體系的一個負擔所以有違保險制度一個設立的一個本質我想這些東西主委你應該都非常的清楚相關的一個脈絡但是確保債務人即便遭扣押執行能夠維持基本保險所以我們在今天希望能夠提出保險法的一個部分條文修正\n\n01:16.772 --> 01:38.451\n以完善這個社會的保障機制我自己也有提案喔但是我有幾個問題想請教一下主委在法制的作業上任何一部法案提出的時候在行政院審查之前都會要求各部會針對修正的重點啊作為法規的一個影響評估請問能不能將保險法的法規影響評估提供給各個委員看一下\n\n01:39.785 --> 01:54.885\n我想我們在提案之前當然有跟相關比如跟我們的司法院法務部還有行政院那個那法治人民都做溝通還有當然包括學者專家我相信所以我說法規的影響評估我們想知道一下\n\n01:55.886 --> 02:11.063\n會員可以提供給我嗎可以啊就是等於說我們的相關的過程文件我可以提供給委員好那剛剛主委有提到你也是在交保險的是的那我想問一下請問都是哪些族群被強制執行保單您個人知道嗎\n\n02:11.824 --> 02:34.135\n我想從現在契約的角度來看其實大法庭的裁定只有人壽保險契約但是實際上我們在實務上幾乎所有的都有可能購買到人壽所以主選不一定對其實我們看那個配比裡面大概有七成四左右是傷害跟健康傷害險跟健康險\n\n02:34.955 --> 03:04.375\n那這部分這也是為什麼我覺得這個東西啊應該直接把它排除這是我們立法上面很重要的就實務上很多賢總實在是不具備有被有查扣的價值的時候也變成這個獸類我想這個就是我們現在面臨到很大的問題我想什麼該排除什麼該保留這個部分我們尊重專業但目前我們看到一些困境就是這些當事者他們所提出的那社會已經造成這樣子的一個氛圍的時候我們注意到我們希望能夠重視那我想問一下\n\n03:05.375 --> 03:21.560\n主委你有沒有知道多少保單被強制執行現在就是總共我們現在案量裡面我們的統計大概123萬件左右123萬件喔我是不知道你的70年啦但是我的70年如果是20231月的話到20249月\n\n03:24.201 --> 03:47.702\n法院扣押的保單件數就是92.8萬件沒關係這個沒有要比數字正確啦但是可以看到是數字量蠻高的所以我們現在才準備要來修法我是覺得稍嫌過慢但是行政院院版在設定上每人每月最低生活費剛剛很多的委員都在探討這一題\n\n03:49.263 --> 04:09.008\n1.2倍乘以三個月作為免執行的一個標準但是司法院的報告你們有掌握嗎司法院的報告是標準偏低啦所以剛剛為什麼司民委員世間委員他們甚至是非常非常的批判甚至到很嚴厲的\n\n04:10.228 --> 04:39.267\n那我們都是一貫的態度就是為民請命當然希望能夠把民眾的聲音傳達這樣的標準實在是太低啊司法院也提出了建議請問免執行的標準是否有調整的機會您覺得呢我剛才已經表達過很多次我們尊重可以可以做回來努力對我想從這個保障基本生活的權利啦重新評估這個門檻另外現行介入權三個月真的夠嗎您個人呢\n\n04:41.088 --> 05:05.024\n呃有兩個不同的意見啦因為事實上越早確定有人主張越早確定越好否則這個關係這麼久的話處於不確定狀況其實不見得是有利啦我的版本是六個月啦對對對我們還是介入人往往是被保險人的配偶子女短時間要籌出一筆錢喔保住保單三個月多數人我覺得是真的不夠啦\n\n05:06.185 --> 05:33.278\n經管會是否有實際統計或者是評估資料支持三個月就足夠你要說服我們不是單單就告訴我們三個月所以這樣子的判斷我是覺得說是基於作業方便嗎還是真的有這樣子的依據所以我要再次強調我的版本是六個月修法後如何確保各保險公司執行機關落實規定避免能夠損及保障基本的權益這個是我們現在要來努力的\n\n05:33.738 --> 05:58.030\n跟委員報告我們可以提供資料我們主要參考國家他們在提供一個月啦那我們這邊三個月這資料給我了解一下我們在主條討論的時候我們再來探討都沒關係但是我希望不要忘記基本的生活權莫忘世上苦人多對這是我們的本質啦族群各個種類都有但是我們永遠要救能救一個算一個就是我們不要忘記苦民所苦謝謝對謝謝謝謝委員\n\n05:59.152 --> 06:07.732\n謝謝謝謝庭委接著葉言之葉言之葉言之委員不在楊瓊英楊瓊英楊瓊英委員不在那請陳佩儀委員質詢\n\n","segments":[{"start":1.39,"end":27.984,"text":"台康大致地號897號裁定認定執行法院必要時得核發命令終止債務人名下的人壽保險契約並命保險公司償付解約金此裁定確定後保單遭強制執行的案件是急增造成司法體系負擔的加重保險金融機構經營壓力上升並嚴重侵害到保護"},{"start":29.665,"end":51.468,"text":"被保險人及受益人的基本權益我想人壽保險具有高度的公益性意在提供死亡、失能、疾病等基本保險不應視為財產的性質、任意的宗旨強制執行的程序當中未設宗旨保險契約及破壞民眾基本的社會安全網"},{"start":52.389,"end":75.931,"text":"我想這也加重了國家社會的一個救助體系的一個負擔所以有違保險制度一個設立的一個本質我想這些東西主委你應該都非常的清楚相關的一個脈絡但是確保債務人即便遭扣押執行能夠維持基本保險所以我們在今天希望能夠提出保險法的一個部分條文修正"},{"start":76.772,"end":98.451,"text":"以完善這個社會的保障機制我自己也有提案喔但是我有幾個問題想請教一下主委在法制的作業上任何一部法案提出的時候在行政院審查之前都會要求各部會針對修正的重點啊作為法規的一個影響評估請問能不能將保險法的法規影響評估提供給各個委員看一下"},{"start":99.785,"end":114.885,"text":"我想我們在提案之前當然有跟相關比如跟我們的司法院法務部還有行政院那個那法治人民都做溝通還有當然包括學者專家我相信所以我說法規的影響評估我們想知道一下"},{"start":115.886,"end":131.063,"text":"會員可以提供給我嗎可以啊就是等於說我們的相關的過程文件我可以提供給委員好那剛剛主委有提到你也是在交保險的是的那我想問一下請問都是哪些族群被強制執行保單您個人知道嗎"},{"start":131.824,"end":154.135,"text":"我想從現在契約的角度來看其實大法庭的裁定只有人壽保險契約但是實際上我們在實務上幾乎所有的都有可能購買到人壽所以主選不一定對 其實我們看那個配比裡面大概有七成四左右是傷害跟健康傷害險跟健康險"},{"start":154.955,"end":184.375,"text":"那這部分這也是為什麼我覺得這個東西啊應該直接把它排除這是我們立法上面很重要的就實務上很多賢總實在是不具備有被有查扣的價值的時候也變成這個獸類我想這個就是我們現在面臨到很大的問題我想什麼該排除什麼該保留這個部分我們尊重專業但目前我們看到一些困境就是這些當事者他們所提出的那社會已經造成這樣子的一個氛圍的時候我們注意到我們希望能夠重視那我想問一下"},{"start":185.375,"end":201.56,"text":"主委你有沒有知道多少保單被強制執行現在就是總共我們現在案量裡面我們的統計大概123萬件左右123萬件喔我是不知道你的70年啦但是我的70年如果是20231月的話到20249月"},{"start":204.201,"end":227.702,"text":"法院扣押的保單件數就是92.8萬件沒關係這個沒有要比數字正確啦但是可以看到是數字量蠻高的所以我們現在才準備要來修法我是覺得稍嫌過慢但是行政院院版在設定上每人每月最低生活費剛剛很多的委員都在探討這一題"},{"start":229.263,"end":249.008,"text":"1.2倍乘以三個月作為免執行的一個標準但是司法院的報告你們有掌握嗎司法院的報告是標準偏低啦所以剛剛為什麼司民委員世間委員他們甚至是非常非常的批判甚至到很嚴厲的"},{"start":250.228,"end":279.267,"text":"那我們都是一貫的態度就是為民請命當然希望能夠把民眾的聲音傳達這樣的標準實在是太低啊司法院也提出了建議請問免執行的標準是否有調整的機會您覺得呢我剛才已經表達過很多次我們尊重可以可以做回來努力對我想從這個保障基本生活的權利啦重新評估這個門檻另外現行介入權三個月真的夠嗎您個人呢"},{"start":281.088,"end":305.024,"text":"呃 有兩個不同的意見啦 因為事實上 越早確定有人主張越早確定越好 否則這個關係這麼久的話 處於不確定狀況 其實不見得是有利啦我的版本是六個月啦 對對對 我們還是介入人往往是被保險人的配偶 子女 短時間要籌出一筆錢喔保住保單三個月 多數人我覺得是真的不夠啦"},{"start":306.185,"end":333.278,"text":"經管會是否有實際統計或者是評估資料支持三個月就足夠你要說服我們不是單單就告訴我們三個月所以這樣子的判斷我是覺得說是基於作業方便嗎還是真的有這樣子的依據所以我要再次強調我的版本是六個月修法後如何確保各保險公司執行機關落實規定避免能夠損及保障基本的權益這個是我們現在要來努力的"},{"start":333.738,"end":358.03,"text":"跟委員報告 我們可以提供資料我們主要參考國家 他們在提供一個月啦那我們這邊三個月這資料給我了解一下 我們在主條討論的時候我們再來探討 都沒關係但是我希望 不要忘記基本的生活權莫忘世上苦人多對 這是我們的本質啦族群各個種類都有 但是我們永遠要救 能救一個算一個就是我們不要忘記苦民所苦 謝謝對 謝謝 謝謝委員"},{"start":359.152,"end":367.732,"text":"謝謝 謝謝庭委接著葉言之 葉言之 葉言之委員不在楊瓊英 楊瓊英 楊瓊英委員不在那請陳佩儀委員質詢"}]}}},"gazette":{"lineno":1093,"blocks":[["羅委員廷瑋：（12時32分）有請主委。"],["主席：請主委。"],["彭主任委員金隆：委員好。"],["羅委員廷瑋：主委，有鑑於最高法院108年度台抗大字第897號裁定，認定執行法院必要時得核發命令終止債務人名下的人壽保險契約，並命保險公司償付解約金，此裁定確定後，保單遭強制執行的案件激增，造成司法體系負擔的加重，保險金融機構經營壓力上升，並嚴重侵害到保戶、被保險人及受益人的基本權益。人壽保險具有高度的公益性，意在提供死亡、失能、疾病等基本保險，不應視為財產的性質，任意的終止。強制執行的程序當中，未設終止保險契約及破壞民眾基本的社會安全網，我想，這也加重了國家、社會救助體系的負擔，有違保險制度設立的本旨。我想這些東西主委應該都非常清楚相關的脈絡。","為確保債務人即便遭扣押執行，仍得維持基本保險，所以我們才在今天提出保險法部分條文修正，以完善社會的保障機制。我自己也有提案，但是我有幾個問題想請教一下主委，在法制的作業上，任何一部法案提出的時候，在行政院審查之前，都會要求各部會針對修正的重點，來做法規的影響評估。請問能不能將保險法修法的影響評估提供給各個委員看一下？"],["彭主任委員金隆：我們在提案之前當然有跟相關單位，比如說跟司法院、法務部還有行政院相關法制人員都做過溝通，當然還包括學者專家等等。"],["羅委員廷瑋：我相信，所以我說我們想知道一下法規的影響評估，會後可以提供給我嗎？"],["彭主任委員金隆：可以啊！相關過程文件我可以提供給委員。"],["羅委員廷瑋：好。剛剛主委提到，你也是教保險的。"],["彭主任委員金隆：是的。"],["羅委員廷瑋：那我想問一下，都是哪些族群被強制執行保單，您個人知道嗎？"],["彭主任委員金隆：從現在契約的角度來看，大法庭的裁定只針對人壽保險契約，但是實務上幾乎所有契約都可能……"],["羅委員廷瑋：購買到人壽保險？"],["彭主任委員金隆：對，剛剛說……"],["羅委員廷瑋：所以族群不一定？"],["彭主任委員金隆：對，其實在我們看到的配比裡面，大概有七成四左右是傷害險跟健康險，這是為什麼我們覺得應該直接排除，也是立法上很重要的考量。在實務上，很多險種實在不具備被查扣的價值，卻也因此受累，這就是我們現在所面臨很大的問題。"],["羅委員廷瑋：我想，什麼該排除、什麼該保留，這個部分尊重專業，但我們目前看到一些困境，就是這些當事者所提出的。既然在社會上已經造成這樣的氛圍、我們也注意到了，那我們就希望能夠重視嘛！"],["彭主任委員金隆：是的。"],["羅委員廷瑋：那我想問主委，你知不知道有多少保單被強制執行？有沒有統計？"],["彭主任委員金隆：在現有總案量裡面，據我們統計大概有123萬件左右。"],["羅委員廷瑋：123萬件喔？"],["彭主任委員金隆：對。"],["羅委員廷瑋：我是不知道你的統計起始年，我的統計起始年如果是2023年1月的話，到2024年9月為止，法院扣押的保單件數是92.8萬件。"],["彭主任委員金隆：喔！這就是……"],["羅委員廷瑋：沒關係，沒有要比較數字的正確性啦！但是可以看到的是數字、量滿高的，所以對於現在才準備修法，我覺得稍嫌過慢。行政院版在設定上，針對每人每月最低生活費─剛剛很多委員都在探討這一題，是以1.2倍乘以3個月做為免執行的標準，但是司法院的報告你們有掌握嗎？"],["彭主任委員金隆：有，剛剛也有很多委員提及。"],["羅委員廷瑋：根據司法院的報告，是認為標準偏低啊！這就是為什麼剛剛思銘委員、世堅委員批判得非常厲害，甚至是很嚴厲的。我們態度都是一貫的，就是為民請命，希望能夠把民眾的聲音加以傳達，這樣的標準實在太低啊！連司法院也提出建議。請問免執行的標準是否有調整的機會，您覺得呢？"],["彭主任委員金隆：我剛才已經表達過很多次，我們尊重、可以做……"],["羅委員廷瑋：會努力？"],["彭主任委員金隆：對。"],["羅委員廷瑋：我想應該從保障基本生活權利的角度重新評估這個門檻。","另外，現行介入權3個月真的夠嗎？您個人的看法呢？"],["彭主任委員金隆：有2個不同意見啦！"],["羅委員廷瑋：我知道，剛剛有人覺得應該設3個月嘛！"],["彭主任委員金隆：事實上，有人主張愈早確定愈好，否則關係處於不確定狀態這麼久其實不見得有利。"],["羅委員廷瑋：我的版本是6個月啦！"],["彭主任委員金隆：對，我們還是建議……"],["羅委員廷瑋：介入人往往是被保險人的配偶、子女，短時間內就要籌出一筆錢保住保單，我覺得3個月對多數人來說真的不夠啦！金管會是否有實際統計或評估資料支持3個月就足夠？你要說服我們，而不是單單告訴我們3個月。這樣的判斷是基於作業方便嗎？還是真的有這樣的依據？我要再次強調，我的版本是6個月。修法後如何確保各保險公司、執行機關落實規定，避免損及基本權益的保障，這都是我們現在要努力的。"],["彭主任委員金隆：是。跟委員報告，我們可以提供資料，我們的主要參考國家大概是提供1個月，而我們已經變成3個月了。"],["羅委員廷瑋：好，資料請給我了解一下。"],["彭主任委員金隆：可以，沒問題。"],["羅委員廷瑋：到逐條討論的時候，我們再來探討都沒關係，但是我希望不要忘記基本的生活權，莫忘世上苦人多。"],["彭主任委員金隆：對，這是我們修法的本質啦！這很清楚。"],["羅委員廷瑋：各個種類族群都有啦！我們永遠要能救一個算一個，也就是不要忘記苦民所苦。謝謝。"],["彭主任委員金隆：謝謝委員。"],["主席：謝謝廷瑋。","接著請葉元之委員、葉元之委員、葉元之委員不在。","楊瓊瓔委員、楊瓊瓔委員、楊瓊瓔委員不在。","請陳培瑜委員質詢。"]],"agenda":{"page_end":314,"meet_id":"委員會-11-3-20-10","speakers":["賴惠員","黃珊珊","羅智強","林德福","吳秉叡","賴士葆","郭國文","李彥秀","鍾佳濱","顏寬恒","羅明才","李坤城","黃國昌","陳玉珍","王世堅","林思銘","羅廷瑋","陳培瑜","徐富癸","徐欣瑩"],"page_start":249,"meetingDate":["2025-04-30"],"gazette_id":"1144301","agenda_lcidc_ids":["1144301_00007"],"meet_name":"立法院第11屆第3會期財政委員會第10次全體委員會議紀錄","content":"審查「保險法」15案：一、行政院函請審議、本院委員蔡其昌等19人、委員羅廷瑋等16人、委員\n王世堅等18人、委員徐富癸等16人、委員蔡其昌等19人、委員蔡易餘等18人、委員林思銘等18人\n分別擬具「保險法部分條文修正草案」等8案；二、本院委員鍾佳濱等21人擬具「保險法增訂第\n一百二十三條之一條文草案」案；三、本院台灣民眾黨黨團、委員陳超明等16人、委員羅智強等\n19人、委員李坤城等23人、委員賴瑞隆等17人、委員王美惠等17人分別擬具「保險法增訂第一百\n七十四條之二及第一百七十四條之三條文草案」等6案","agenda_id":"1144301_00006"}}}