{"id":162130,"url":"https://ivod.ly.gov.tw/Play/Clip/1M/162130","video_url":"https://ivod-lyvod.cdn.hinet.net/vod_1/_definst_/mp4:1MClips/6f2ac2ba46b6b287f8ca650a4eb500004dc585a98b161e637d313d65cb984ea3a5208fd0eaaaa0ed5ea18f28b6918d91.mp4/playlist.m3u8","委員名稱":"李坤城","委員發言時間":"11:28:54 - 11:31:08","影片長度":"00:02:14","會議時間":"2025-06-03T09:00:00+08:00","會議名稱":"第11屆第3會期第14次會議（事由：一、討論事項：本院委員羅廷瑋、廖偉翔、黃健豪、楊瓊瓔、徐巧芯、張啓楷等29人，建請院會作成決議：「改善空氣品質，守護國人健康，台中發電廠應逐年提出並落實減煤計畫，並在2028年完成無煤中火之國家減碳目標」。是否有當？請公決案等15案。二、上午9時至10時為國是論壇時間。三、下午5時至6時為處理臨時提案時間。）","type":"Clip","date":"2025-06-03","start_time":"2025-06-03T11:28:54+08:00","end_time":"2025-06-03T11:31:08+08:00","duration":134,"meet":{"tmpMeeting":null,"title":"第11屆第3會期第14次會議","id":"院會-11-3-14","type":"院會","term":11,"sessionPeriod":3,"sessionTimes":14},"features":["ai-transcript","gazette"],"transcript":{"id":"162130","pyannote":{"name":"ronny","tool":"pyannote","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/162130","tool":"pyannote","id":"162130-pyannote"},"job_id":"2iMHqbTz58tde8YT","queued_at":"2025-06-03 11:55:06","status":"done","log":[{"time":"2025-06-03 11:55:06","msg":"downloading https://ivod.ly.gov.tw/Play/Clip/1M/162130","target":null},{"time":"2025-06-03 11:55:08","msg":"download ivod and merge to wav","target":"/home/conda/test/whisper-api-data/tmp/lyivod-Clip-162130.wav"},{"time":"2025-06-03 11:55:22","msg":"running pyannote","target":null},{"time":"2025-06-03 11:55:30","msg":"status: done","target":null}],"result":{"result":[[7.11846875,8.552843750000001,"SPEAKER_00"],[9.008468750000002,74.14596875000001,"SPEAKER_00"],[74.31471875000001,79.76534375,"SPEAKER_00"],[80.03534375000001,89.90721875,"SPEAKER_00"],[90.19409375000001,93.88971875,"SPEAKER_00"],[94.05846875,96.87659375000001,"SPEAKER_00"],[96.89346875000001,112.80659375,"SPEAKER_00"],[112.97534375000001,121.41284375000001,"SPEAKER_00"],[121.46346875,128.97284375,"SPEAKER_00"],[131.77409375000002,134.18721875,"SPEAKER_00"]]}},"whisperx":{"name":"ronny","tool":"whisperx","data":{"url":"https://ivod.ly.gov.tw/Play/Clip/1M/162130","tool":"whisperx","id":"162130-whisperx","init_prompt":""},"job_id":"kP7G2sPhVfnEY3v6","queued_at":"2025-06-03 11:55:07","status":"done","log":[{"time":"2025-06-03 11:55:30","msg":"downloading https://ivod.ly.gov.tw/Play/Clip/1M/162130","target":null},{"time":"2025-06-03 11:55:32","msg":"already downloaded","target":"/home/conda/test/whisper-api-data/tmp/lyivod-Clip-162130.wav"},{"time":"2025-06-03 11:55:32","msg":"running whisperx with  --language zh --model large-v3","target":null},{"time":"2025-06-03 11:55:45","msg":"merging result","target":null},{"time":"2025-06-03 11:55:45","msg":"status: done","target":null}],"result":{"json":"{\"segments\": [{\"start\": 8.028, \"end\": 33.64, \"text\": \"謝謝主席那今天保險法關於保單強制執行的這個修法那最主要是來自於在民國111年的12月這個最高法院民事大法庭可任執行法院在必要的時候呢得核發執行命令終止債務人為要保人的人壽保險契約但是在執行上面呢除了人壽保險契約之外呢低解約金或是沒有解約金的健康險或是傷害險呢也被擴及\", \"words\": [{\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 8.028, \"end\": 8.208, \"score\": 0.985}, {\"word\": \"席\", \"start\": 8.208, \"end\": 9.069, \"score\": 0.996}, {\"word\": \"那\", \"start\": 9.069, \"end\": 9.229, \"score\": 0.84}, {\"word\": \"今\", \"start\": 9.229, \"end\": 9.369, \"score\": 0.886}, {\"word\": \"天\", \"start\": 9.369, \"end\": 9.729, \"score\": 0.993}, {\"word\": \"保\", \"start\": 9.729, \"end\": 10.109, \"score\": 0.94}, {\"word\": \"險\"}, {\"word\": \"法\", \"start\": 10.109, \"end\": 10.509, \"score\": 0.902}, {\"word\": \"關\"}, {\"word\": \"於\", \"start\": 10.509, \"end\": 10.85, \"score\": 0.94}, {\"word\": \"保\", \"start\": 10.85, \"end\": 11.33, \"score\": 0.828}, {\"word\": \"單\"}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 11.33, \"end\": 11.73, \"score\": 0.899}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 11.73, \"end\": 11.95, \"score\": 0.937}, {\"word\": \"的\", \"start\": 11.95, \"end\": 12.33, \"score\": 0.892}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"修\", \"start\": 12.33, \"end\": 12.57, \"score\": 0.986}, {\"word\": \"法\", \"start\": 12.57, \"end\": 13.111, \"score\": 0.994}, {\"word\": \"那\", \"start\": 13.111, \"end\": 13.291, \"score\": 0.95}, {\"word\": \"最\", \"start\": 13.291, \"end\": 13.431, \"score\": 0.843}, {\"word\": \"主\", \"start\": 13.431, \"end\": 13.511, \"score\": 0.75}, {\"word\": \"要\", \"start\": 13.511, \"end\": 13.591, \"score\": 0.722}, {\"word\": \"是\", \"start\": 13.591, \"end\": 13.871, \"score\": 0.873}, {\"word\": \"來\"}, {\"word\": \"自\", \"start\": 13.871, \"end\": 13.991, \"score\": 0.842}, {\"word\": \"於\", \"start\": 13.991, \"end\": 14.131, \"score\": 0.856}, {\"word\": \"在\", \"start\": 14.131, \"end\": 14.331, \"score\": 0.974}, {\"word\": \"民\", \"start\": 14.331, \"end\": 15.552, \"score\": 0.886}, {\"word\": \"國\"}, {\"word\": \"1\"}, {\"word\": \"1\"}, {\"word\": \"1\"}, {\"word\": \"年\", \"start\": 15.552, \"end\": 15.692, \"score\": 0.892}, {\"word\": \"的\", \"start\": 15.692, \"end\": 16.092, \"score\": 0.921}, {\"word\": \"1\"}, {\"word\": \"2\"}, {\"word\": \"月\", \"start\": 16.092, \"end\": 16.892, \"score\": 0.902}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"最\", \"start\": 16.892, \"end\": 16.992, \"score\": 1.0}, {\"word\": \"高\", \"start\": 16.992, \"end\": 17.192, \"score\": 0.996}, {\"word\": \"法\", \"start\": 17.192, \"end\": 17.312, \"score\": 0.997}, {\"word\": \"院\", \"start\": 17.312, \"end\": 17.413, \"score\": 0.798}, {\"word\": \"民\", \"start\": 17.413, \"end\": 17.593, \"score\": 0.871}, {\"word\": \"事\", \"start\": 17.593, \"end\": 17.713, \"score\": 0.803}, {\"word\": \"大\", \"start\": 17.713, \"end\": 17.913, \"score\": 0.896}, {\"word\": \"法\", \"start\": 17.913, \"end\": 18.153, \"score\": 0.989}, {\"word\": \"庭\", \"start\": 18.153, \"end\": 18.673, \"score\": 0.996}, {\"word\": \"可\", \"start\": 18.673, \"end\": 18.813, \"score\": 0.934}, {\"word\": \"任\", \"start\": 18.813, \"end\": 19.173, \"score\": 0.889}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 19.173, \"end\": 19.433, \"score\": 0.905}, {\"word\": \"法\", \"start\": 19.433, \"end\": 19.674, \"score\": 1.0}, {\"word\": \"院\", \"start\": 19.674, \"end\": 20.154, \"score\": 0.961}, {\"word\": \"在\", \"start\": 20.154, \"end\": 20.334, \"score\": 0.998}, {\"word\": \"必\", \"start\": 20.334, \"end\": 20.394, \"score\": 0.951}, {\"word\": \"要\", \"start\": 20.394, \"end\": 20.514, \"score\": 0.953}, {\"word\": \"的\", \"start\": 20.514, \"end\": 20.794, \"score\": 0.798}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 20.794, \"end\": 20.934, \"score\": 0.996}, {\"word\": \"呢\", \"start\": 20.934, \"end\": 21.154, \"score\": 0.896}, {\"word\": \"得\", \"start\": 21.154, \"end\": 21.254, \"score\": 0.912}, {\"word\": \"核\", \"start\": 21.254, \"end\": 21.714, \"score\": 0.78}, {\"word\": \"發\"}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 21.714, \"end\": 21.834, \"score\": 0.908}, {\"word\": \"命\", \"start\": 21.834, \"end\": 21.995, \"score\": 0.887}, {\"word\": \"令\", \"start\": 21.995, \"end\": 22.555, \"score\": 0.965}, {\"word\": \"終\"}, {\"word\": \"止\", \"start\": 22.555, \"end\": 23.035, \"score\": 0.838}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 23.035, \"end\": 23.355, \"score\": 0.83}, {\"word\": \"為\"}, {\"word\": \"要\", \"start\": 23.355, \"end\": 23.555, \"score\": 0.927}, {\"word\": \"保\", \"start\": 23.555, \"end\": 23.675, \"score\": 0.987}, {\"word\": \"人\", \"start\": 23.675, \"end\": 23.835, \"score\": 0.875}, {\"word\": \"的\", \"start\": 23.835, \"end\": 23.995, \"score\": 0.998}, {\"word\": \"人\", \"start\": 23.995, \"end\": 24.416, \"score\": 0.949}, {\"word\": \"壽\"}, {\"word\": \"保\", \"start\": 24.416, \"end\": 24.776, \"score\": 0.943}, {\"word\": \"險\"}, {\"word\": \"契\", \"start\": 24.776, \"end\": 25.596, \"score\": 0.941}, {\"word\": \"約\"}, {\"word\": \"但\", \"start\": 25.596, \"end\": 25.716, \"score\": 0.981}, {\"word\": \"是\", \"start\": 25.716, \"end\": 25.816, \"score\": 0.88}, {\"word\": \"在\", \"start\": 25.816, \"end\": 26.096, \"score\": 0.896}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 26.096, \"end\": 26.276, \"score\": 0.894}, {\"word\": \"上\", \"start\": 26.276, \"end\": 26.436, \"score\": 0.99}, {\"word\": \"面\", \"start\": 26.436, \"end\": 26.577, \"score\": 0.996}, {\"word\": \"呢\", \"start\": 26.577, \"end\": 26.817, \"score\": 0.927}, {\"word\": \"除\", \"start\": 26.817, \"end\": 26.897, \"score\": 0.807}, {\"word\": \"了\", \"start\": 26.897, \"end\": 26.957, \"score\": 0.658}, {\"word\": \"人\", \"start\": 26.957, \"end\": 27.257, \"score\": 0.86}, {\"word\": \"壽\"}, {\"word\": \"保\", \"start\": 27.257, \"end\": 27.537, \"score\": 0.926}, {\"word\": \"險\"}, {\"word\": \"契\", \"start\": 27.537, \"end\": 27.797, \"score\": 0.909}, {\"word\": \"約\"}, {\"word\": \"之\", \"start\": 27.797, \"end\": 27.917, \"score\": 0.991}, {\"word\": \"外\", \"start\": 27.917, \"end\": 28.117, \"score\": 0.998}, {\"word\": \"呢\", \"start\": 28.117, \"end\": 29.058, \"score\": 0.958}, {\"word\": \"低\", \"start\": 29.058, \"end\": 29.198, \"score\": 0.958}, {\"word\": \"解\", \"start\": 29.198, \"end\": 29.538, \"score\": 0.93}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 29.538, \"end\": 29.938, \"score\": 0.941}, {\"word\": \"或\", \"start\": 29.938, \"end\": 30.038, \"score\": 0.974}, {\"word\": \"是\", \"start\": 30.038, \"end\": 30.138, \"score\": 0.919}, {\"word\": \"沒\", \"start\": 30.138, \"end\": 30.238, \"score\": 0.8}, {\"word\": \"有\", \"start\": 30.238, \"end\": 30.358, \"score\": 0.785}, {\"word\": \"解\", \"start\": 30.358, \"end\": 30.658, \"score\": 0.913}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 30.658, \"end\": 30.858, \"score\": 0.897}, {\"word\": \"的\", \"start\": 30.858, \"end\": 31.099, \"score\": 0.999}, {\"word\": \"健\", \"start\": 31.099, \"end\": 31.379, \"score\": 0.98}, {\"word\": \"康\", \"start\": 31.379, \"end\": 32.159, \"score\": 0.973}, {\"word\": \"險\"}, {\"word\": \"或\", \"start\": 32.159, \"end\": 32.319, \"score\": 0.94}, {\"word\": \"是\", \"start\": 32.319, \"end\": 32.599, \"score\": 0.85}, {\"word\": \"傷\"}, {\"word\": \"害\", \"start\": 32.599, \"end\": 32.959, \"score\": 0.85}, {\"word\": \"險\"}, {\"word\": \"呢\", \"start\": 32.959, \"end\": 33.38, \"score\": 0.957}, {\"word\": \"也\", \"start\": 33.38, \"end\": 33.54, \"score\": 0.936}, {\"word\": \"被\", \"start\": 33.54, \"end\": 33.62, \"score\": 1.0}, {\"word\": \"擴\"}, {\"word\": \"及\", \"start\": 33.62, \"end\": 33.64, \"score\": 0.0}]}, {\"start\": 34.6, \"end\": 59.946, \"text\": \"那所以呢 雖然解約可以有少量的填補債權但是對於大多數的債務人來講呢 確實的喪失了醫療保障那所以呢 才會有這一次的這個修法那這次的修法呢 經過我們財委會邀請經管會來報告然後呢 也召開了公聽會那大家做一個廣泛的討論呢然後終於順利呢 二讀再三讀\", \"words\": [{\"word\": \"那\", \"start\": 34.6, \"end\": 34.76, \"score\": 0.847}, {\"word\": \"所\", \"start\": 34.76, \"end\": 34.92, \"score\": 0.991}, {\"word\": \"以\", \"start\": 34.92, \"end\": 35.0, \"score\": 0.929}, {\"word\": \"呢\", \"start\": 35.0, \"end\": 36.14, \"score\": 0.943}, {\"word\": \"雖\"}, {\"word\": \"然\", \"start\": 36.14, \"end\": 36.48, \"score\": 0.936}, {\"word\": \"解\", \"start\": 36.48, \"end\": 36.821, \"score\": 0.896}, {\"word\": \"約\"}, {\"word\": \"可\", \"start\": 36.821, \"end\": 37.001, \"score\": 0.928}, {\"word\": \"以\", \"start\": 37.001, \"end\": 37.441, \"score\": 0.953}, {\"word\": \"有\", \"start\": 37.441, \"end\": 37.701, \"score\": 0.993}, {\"word\": \"少\", \"start\": 37.701, \"end\": 37.881, \"score\": 0.967}, {\"word\": \"量\", \"start\": 37.881, \"end\": 38.061, \"score\": 0.851}, {\"word\": \"的\", \"start\": 38.061, \"end\": 38.161, \"score\": 0.8}, {\"word\": \"填\", \"start\": 38.161, \"end\": 39.121, \"score\": 0.849}, {\"word\": \"補\"}, {\"word\": \"債\"}, {\"word\": \"權\"}, {\"word\": \"但\", \"start\": 39.121, \"end\": 39.261, \"score\": 0.973}, {\"word\": \"是\", \"start\": 39.261, \"end\": 39.641, \"score\": 0.915}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 39.641, \"end\": 40.021, \"score\": 0.947}, {\"word\": \"大\", \"start\": 40.021, \"end\": 40.221, \"score\": 0.874}, {\"word\": \"多\", \"start\": 40.221, \"end\": 40.501, \"score\": 0.855}, {\"word\": \"數\"}, {\"word\": \"的\", \"start\": 40.501, \"end\": 40.841, \"score\": 0.812}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 40.841, \"end\": 41.302, \"score\": 0.823}, {\"word\": \"來\"}, {\"word\": \"講\"}, {\"word\": \"呢\", \"start\": 41.302, \"end\": 42.202, \"score\": 0.911}, {\"word\": \"確\"}, {\"word\": \"實\"}, {\"word\": \"的\", \"start\": 42.202, \"end\": 43.102, \"score\": 0.964}, {\"word\": \"喪\"}, {\"word\": \"失\", \"start\": 43.102, \"end\": 43.602, \"score\": 0.816}, {\"word\": \"了\", \"start\": 43.602, \"end\": 44.002, \"score\": 0.939}, {\"word\": \"醫\"}, {\"word\": \"療\"}, {\"word\": \"保\", \"start\": 44.002, \"end\": 44.302, \"score\": 0.949}, {\"word\": \"障\", \"start\": 44.302, \"end\": 44.802, \"score\": 0.779}, {\"word\": \"那\", \"start\": 44.802, \"end\": 44.982, \"score\": 0.834}, {\"word\": \"所\", \"start\": 44.982, \"end\": 45.082, \"score\": 0.99}, {\"word\": \"以\", \"start\": 45.082, \"end\": 45.162, \"score\": 0.967}, {\"word\": \"呢\", \"start\": 45.162, \"end\": 45.322, \"score\": 0.863}, {\"word\": \"才\", \"start\": 45.322, \"end\": 45.563, \"score\": 0.891}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 45.563, \"end\": 45.863, \"score\": 0.864}, {\"word\": \"這\"}, {\"word\": \"一\", \"start\": 45.863, \"end\": 45.963, \"score\": 0.803}, {\"word\": \"次\", \"start\": 45.963, \"end\": 46.103, \"score\": 0.887}, {\"word\": \"的\", \"start\": 46.103, \"end\": 46.463, \"score\": 0.878}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"修\", \"start\": 46.463, \"end\": 46.703, \"score\": 0.984}, {\"word\": \"法\", \"start\": 46.703, \"end\": 47.143, \"score\": 0.938}, {\"word\": \"那\", \"start\": 47.143, \"end\": 47.483, \"score\": 0.809}, {\"word\": \"這\"}, {\"word\": \"次\", \"start\": 47.483, \"end\": 47.603, \"score\": 0.941}, {\"word\": \"的\", \"start\": 47.603, \"end\": 47.803, \"score\": 0.925}, {\"word\": \"修\", \"start\": 47.803, \"end\": 48.063, \"score\": 0.989}, {\"word\": \"法\", \"start\": 48.063, \"end\": 48.263, \"score\": 0.99}, {\"word\": \"呢\", \"start\": 48.263, \"end\": 49.343, \"score\": 0.897}, {\"word\": \"經\"}, {\"word\": \"過\"}, {\"word\": \"我\", \"start\": 49.343, \"end\": 50.004, \"score\": 0.908}, {\"word\": \"們\"}, {\"word\": \"財\"}, {\"word\": \"委\", \"start\": 50.004, \"end\": 51.324, \"score\": 0.959}, {\"word\": \"會\"}, {\"word\": \"邀\", \"start\": 51.324, \"end\": 52.664, \"score\": 0.874}, {\"word\": \"請\"}, {\"word\": \"經\"}, {\"word\": \"管\", \"start\": 52.664, \"end\": 53.284, \"score\": 0.756}, {\"word\": \"會\"}, {\"word\": \"來\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 53.284, \"end\": 53.884, \"score\": 0.793}, {\"word\": \"然\", \"start\": 53.884, \"end\": 53.984, \"score\": 0.762}, {\"word\": \"後\", \"start\": 53.984, \"end\": 54.145, \"score\": 0.643}, {\"word\": \"呢\", \"start\": 54.145, \"end\": 54.305, \"score\": 0.789}, {\"word\": \"也\", \"start\": 54.305, \"end\": 54.485, \"score\": 0.894}, {\"word\": \"召\", \"start\": 54.485, \"end\": 54.785, \"score\": 0.877}, {\"word\": \"開\"}, {\"word\": \"了\", \"start\": 54.785, \"end\": 54.925, \"score\": 0.826}, {\"word\": \"公\", \"start\": 54.925, \"end\": 55.905, \"score\": 0.941}, {\"word\": \"聽\"}, {\"word\": \"會\"}, {\"word\": \"那\", \"start\": 55.905, \"end\": 56.045, \"score\": 0.673}, {\"word\": \"大\", \"start\": 56.045, \"end\": 56.165, \"score\": 0.738}, {\"word\": \"家\", \"start\": 56.165, \"end\": 56.325, \"score\": 0.85}, {\"word\": \"做\", \"start\": 56.325, \"end\": 56.465, \"score\": 0.967}, {\"word\": \"一\", \"start\": 56.465, \"end\": 56.945, \"score\": 0.863}, {\"word\": \"個\"}, {\"word\": \"廣\"}, {\"word\": \"泛\", \"start\": 56.945, \"end\": 57.085, \"score\": 0.903}, {\"word\": \"的\", \"start\": 57.085, \"end\": 57.525, \"score\": 0.89}, {\"word\": \"討\"}, {\"word\": \"論\"}, {\"word\": \"呢\", \"start\": 57.525, \"end\": 58.185, \"score\": 0.919}, {\"word\": \"然\", \"start\": 58.185, \"end\": 58.365, \"score\": 0.773}, {\"word\": \"後\", \"start\": 58.365, \"end\": 58.666, \"score\": 0.815}, {\"word\": \"終\"}, {\"word\": \"於\", \"start\": 58.666, \"end\": 58.826, \"score\": 0.81}, {\"word\": \"順\"}, {\"word\": \"利\", \"start\": 58.826, \"end\": 58.966, \"score\": 0.871}, {\"word\": \"呢\", \"start\": 58.966, \"end\": 59.426, \"score\": 0.986}, {\"word\": \"二\", \"start\": 59.426, \"end\": 59.766, \"score\": 0.848}, {\"word\": \"讀\"}, {\"word\": \"再\", \"start\": 59.766, \"end\": 59.926, \"score\": 0.813}, {\"word\": \"三\", \"start\": 59.926, \"end\": 59.946, \"score\": 0.901}, {\"word\": \"讀\"}]}, {\"start\": 60.666, \"end\": 89.62, \"text\": \"那今天所刪除通過這個保險法的這一個重要的一個部分條文的修正草案主要有兩個重點第一個呢是確立未來債務人有效保單的解約金債權的金額統一那就是說呢保單的解約金呢在一定的金額之內呢不會被扣押或強制執行那本來呢是以這個最低生活費的1.2倍來計算三個月那後來金管會委從善如流所以所以呢現在是以1.2倍計算的六個月\", \"words\": [{\"word\": \"那\", \"start\": 60.666, \"end\": 61.066, \"score\": 0.987}, {\"word\": \"今\", \"start\": 61.066, \"end\": 61.246, \"score\": 0.91}, {\"word\": \"天\", \"start\": 61.246, \"end\": 61.566, \"score\": 1.0}, {\"word\": \"所\", \"start\": 61.566, \"end\": 61.907, \"score\": 0.872}, {\"word\": \"刪\"}, {\"word\": \"除\", \"start\": 61.907, \"end\": 62.047, \"score\": 0.856}, {\"word\": \"通\", \"start\": 62.047, \"end\": 62.687, \"score\": 0.837}, {\"word\": \"過\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"保\", \"start\": 62.687, \"end\": 63.087, \"score\": 0.874}, {\"word\": \"險\"}, {\"word\": \"法\", \"start\": 63.087, \"end\": 63.227, \"score\": 0.999}, {\"word\": \"的\", \"start\": 63.227, \"end\": 63.567, \"score\": 0.852}, {\"word\": \"這\"}, {\"word\": \"一\", \"start\": 63.567, \"end\": 64.008, \"score\": 0.951}, {\"word\": \"個\"}, {\"word\": \"重\", \"start\": 64.008, \"end\": 64.188, \"score\": 0.872}, {\"word\": \"要\", \"start\": 64.188, \"end\": 64.308, \"score\": 0.988}, {\"word\": \"的\", \"start\": 64.308, \"end\": 64.428, \"score\": 0.995}, {\"word\": \"一\", \"start\": 64.428, \"end\": 65.148, \"score\": 0.968}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 65.148, \"end\": 65.268, \"score\": 0.992}, {\"word\": \"分\", \"start\": 65.268, \"end\": 65.548, \"score\": 0.819}, {\"word\": \"條\"}, {\"word\": \"文\", \"start\": 65.548, \"end\": 65.728, \"score\": 0.729}, {\"word\": \"的\", \"start\": 65.728, \"end\": 65.869, \"score\": 0.994}, {\"word\": \"修\", \"start\": 65.869, \"end\": 66.029, \"score\": 0.998}, {\"word\": \"正\", \"start\": 66.029, \"end\": 66.229, \"score\": 0.907}, {\"word\": \"草\", \"start\": 66.229, \"end\": 66.389, \"score\": 0.978}, {\"word\": \"案\", \"start\": 66.389, \"end\": 66.889, \"score\": 0.931}, {\"word\": \"主\", \"start\": 66.889, \"end\": 67.009, \"score\": 0.966}, {\"word\": \"要\", \"start\": 67.009, \"end\": 67.129, \"score\": 0.823}, {\"word\": \"有\", \"start\": 67.129, \"end\": 67.489, \"score\": 0.859}, {\"word\": \"兩\"}, {\"word\": \"個\"}, {\"word\": \"重\", \"start\": 67.489, \"end\": 68.25, \"score\": 0.969}, {\"word\": \"點\"}, {\"word\": \"第\", \"start\": 68.25, \"end\": 68.35, \"score\": 0.947}, {\"word\": \"一\", \"start\": 68.35, \"end\": 68.57, \"score\": 0.857}, {\"word\": \"個\"}, {\"word\": \"呢\", \"start\": 68.57, \"end\": 69.09, \"score\": 0.994}, {\"word\": \"是\", \"start\": 69.09, \"end\": 69.47, \"score\": 0.932}, {\"word\": \"確\"}, {\"word\": \"立\", \"start\": 69.47, \"end\": 69.65, \"score\": 0.908}, {\"word\": \"未\", \"start\": 69.65, \"end\": 70.391, \"score\": 0.885}, {\"word\": \"來\"}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 70.391, \"end\": 70.731, \"score\": 1.0}, {\"word\": \"有\", \"start\": 70.731, \"end\": 71.011, \"score\": 0.93}, {\"word\": \"效\", \"start\": 71.011, \"end\": 71.331, \"score\": 0.998}, {\"word\": \"保\", \"start\": 71.331, \"end\": 71.651, \"score\": 0.926}, {\"word\": \"單\"}, {\"word\": \"的\", \"start\": 71.651, \"end\": 71.771, \"score\": 0.979}, {\"word\": \"解\", \"start\": 71.771, \"end\": 72.552, \"score\": 0.885}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 72.552, \"end\": 73.212, \"score\": 0.891}, {\"word\": \"債\"}, {\"word\": \"權\"}, {\"word\": \"的\", \"start\": 73.212, \"end\": 73.332, \"score\": 0.994}, {\"word\": \"金\", \"start\": 73.332, \"end\": 73.792, \"score\": 0.839}, {\"word\": \"額\"}, {\"word\": \"統\"}, {\"word\": \"一\", \"start\": 73.792, \"end\": 74.493, \"score\": 0.994}, {\"word\": \"那\", \"start\": 74.493, \"end\": 74.613, \"score\": 0.87}, {\"word\": \"就\", \"start\": 74.613, \"end\": 74.733, \"score\": 1.0}, {\"word\": \"是\", \"start\": 74.733, \"end\": 75.053, \"score\": 0.847}, {\"word\": \"說\"}, {\"word\": \"呢\", \"start\": 75.053, \"end\": 75.293, \"score\": 0.998}, {\"word\": \"保\", \"start\": 75.293, \"end\": 75.593, \"score\": 0.905}, {\"word\": \"單\"}, {\"word\": \"的\", \"start\": 75.593, \"end\": 75.713, \"score\": 0.859}, {\"word\": \"解\", \"start\": 75.713, \"end\": 75.973, \"score\": 0.903}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 75.973, \"end\": 76.133, \"score\": 0.972}, {\"word\": \"呢\", \"start\": 76.133, \"end\": 76.414, \"score\": 0.986}, {\"word\": \"在\", \"start\": 76.414, \"end\": 76.594, \"score\": 0.996}, {\"word\": \"一\", \"start\": 76.594, \"end\": 76.714, \"score\": 0.775}, {\"word\": \"定\", \"start\": 76.714, \"end\": 76.874, \"score\": 0.996}, {\"word\": \"的\", \"start\": 76.874, \"end\": 77.034, \"score\": 0.998}, {\"word\": \"金\", \"start\": 77.034, \"end\": 77.314, \"score\": 0.864}, {\"word\": \"額\"}, {\"word\": \"之\", \"start\": 77.314, \"end\": 77.594, \"score\": 0.927}, {\"word\": \"內\"}, {\"word\": \"呢\", \"start\": 77.594, \"end\": 78.054, \"score\": 0.995}, {\"word\": \"不\", \"start\": 78.054, \"end\": 78.254, \"score\": 0.811}, {\"word\": \"會\"}, {\"word\": \"被\", \"start\": 78.254, \"end\": 78.455, \"score\": 0.986}, {\"word\": \"扣\", \"start\": 78.455, \"end\": 78.655, \"score\": 0.89}, {\"word\": \"押\", \"start\": 78.655, \"end\": 78.795, \"score\": 0.823}, {\"word\": \"或\", \"start\": 78.795, \"end\": 79.135, \"score\": 0.879}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 79.135, \"end\": 79.515, \"score\": 0.909}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 79.515, \"end\": 80.115, \"score\": 0.982}, {\"word\": \"那\", \"start\": 80.115, \"end\": 80.355, \"score\": 0.99}, {\"word\": \"本\", \"start\": 80.355, \"end\": 80.716, \"score\": 0.941}, {\"word\": \"來\"}, {\"word\": \"呢\", \"start\": 80.716, \"end\": 81.016, \"score\": 0.996}, {\"word\": \"是\", \"start\": 81.016, \"end\": 81.136, \"score\": 0.999}, {\"word\": \"以\", \"start\": 81.136, \"end\": 81.736, \"score\": 0.877}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"最\", \"start\": 81.736, \"end\": 81.856, \"score\": 0.973}, {\"word\": \"低\", \"start\": 81.856, \"end\": 82.016, \"score\": 0.878}, {\"word\": \"生\", \"start\": 82.016, \"end\": 82.156, \"score\": 0.869}, {\"word\": \"活\", \"start\": 82.156, \"end\": 82.436, \"score\": 0.889}, {\"word\": \"費\"}, {\"word\": \"的\", \"start\": 82.436, \"end\": 83.017, \"score\": 0.889}, {\"word\": \"1\"}, {\"word\": \".\"}, {\"word\": \"2\"}, {\"word\": \"倍\", \"start\": 83.017, \"end\": 83.537, \"score\": 0.882}, {\"word\": \"來\"}, {\"word\": \"計\"}, {\"word\": \"算\", \"start\": 83.537, \"end\": 83.797, \"score\": 0.999}, {\"word\": \"三\", \"start\": 83.797, \"end\": 84.077, \"score\": 0.924}, {\"word\": \"個\"}, {\"word\": \"月\", \"start\": 84.077, \"end\": 84.617, \"score\": 0.967}, {\"word\": \"那\", \"start\": 84.617, \"end\": 84.758, \"score\": 0.88}, {\"word\": \"後\", \"start\": 84.758, \"end\": 85.058, \"score\": 0.862}, {\"word\": \"來\"}, {\"word\": \"金\", \"start\": 85.058, \"end\": 85.238, \"score\": 0.991}, {\"word\": \"管\", \"start\": 85.238, \"end\": 85.558, \"score\": 0.884}, {\"word\": \"會\"}, {\"word\": \"委\", \"start\": 85.558, \"end\": 86.038, \"score\": 0.919}, {\"word\": \"從\"}, {\"word\": \"善\", \"start\": 86.038, \"end\": 86.218, \"score\": 0.894}, {\"word\": \"如\", \"start\": 86.218, \"end\": 86.378, \"score\": 0.872}, {\"word\": \"流\", \"start\": 86.378, \"end\": 86.839, \"score\": 0.979}, {\"word\": \"所\", \"start\": 86.839, \"end\": 87.179, \"score\": 0.889}, {\"word\": \"以\", \"start\": 87.179, \"end\": 87.299, \"score\": 0.775}, {\"word\": \"所\", \"start\": 87.299, \"end\": 87.439, \"score\": 0.954}, {\"word\": \"以\", \"start\": 87.439, \"end\": 87.539, \"score\": 0.889}, {\"word\": \"呢\", \"start\": 87.539, \"end\": 87.959, \"score\": 0.934}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 87.959, \"end\": 88.079, \"score\": 0.606}, {\"word\": \"是\", \"start\": 88.079, \"end\": 88.219, \"score\": 0.993}, {\"word\": \"以\", \"start\": 88.219, \"end\": 88.619, \"score\": 0.798}, {\"word\": \"1\"}, {\"word\": \".\"}, {\"word\": \"2\"}, {\"word\": \"倍\", \"start\": 88.619, \"end\": 88.96, \"score\": 0.877}, {\"word\": \"計\"}, {\"word\": \"算\", \"start\": 88.96, \"end\": 89.12, \"score\": 0.994}, {\"word\": \"的\", \"start\": 89.12, \"end\": 89.26, \"score\": 0.998}, {\"word\": \"六\", \"start\": 89.26, \"end\": 89.6, \"score\": 0.918}, {\"word\": \"個\"}, {\"word\": \"月\", \"start\": 89.6, \"end\": 89.62, \"score\": 0.434}]}, {\"start\": 90.821, \"end\": 109.097, \"text\": \"總額採取最高標準那目前就是以台北市為標準台北市的標準大概是15萬左右那第二個呢針對部分保險契約如小額中老保險呢那是否排除呢則是由金管會以特定的險種排除方式來豁免那經過今天的修法之後呢\", \"words\": [{\"word\": \"總\"}, {\"word\": \"額\"}, {\"word\": \"採\"}, {\"word\": \"取\", \"start\": 90.821, \"end\": 91.121, \"score\": 0.883}, {\"word\": \"最\", \"start\": 91.121, \"end\": 91.261, \"score\": 0.868}, {\"word\": \"高\", \"start\": 91.261, \"end\": 91.641, \"score\": 0.906}, {\"word\": \"標\"}, {\"word\": \"準\", \"start\": 91.641, \"end\": 91.962, \"score\": 0.871}, {\"word\": \"那\", \"start\": 91.962, \"end\": 92.102, \"score\": 0.823}, {\"word\": \"目\", \"start\": 92.102, \"end\": 92.262, \"score\": 0.845}, {\"word\": \"前\", \"start\": 92.262, \"end\": 92.422, \"score\": 0.92}, {\"word\": \"就\", \"start\": 92.422, \"end\": 92.562, \"score\": 0.98}, {\"word\": \"是\", \"start\": 92.562, \"end\": 92.682, \"score\": 0.993}, {\"word\": \"以\", \"start\": 92.682, \"end\": 92.923, \"score\": 0.967}, {\"word\": \"台\", \"start\": 92.923, \"end\": 93.083, \"score\": 0.863}, {\"word\": \"北\", \"start\": 93.083, \"end\": 93.223, \"score\": 0.997}, {\"word\": \"市\", \"start\": 93.223, \"end\": 93.663, \"score\": 0.82}, {\"word\": \"為\"}, {\"word\": \"標\"}, {\"word\": \"準\", \"start\": 93.663, \"end\": 94.164, \"score\": 0.862}, {\"word\": \"台\", \"start\": 94.164, \"end\": 94.264, \"score\": 0.929}, {\"word\": \"北\", \"start\": 94.264, \"end\": 94.404, \"score\": 0.858}, {\"word\": \"市\", \"start\": 94.404, \"end\": 94.504, \"score\": 0.769}, {\"word\": \"的\", \"start\": 94.504, \"end\": 94.724, \"score\": 0.633}, {\"word\": \"標\"}, {\"word\": \"準\", \"start\": 94.724, \"end\": 94.884, \"score\": 0.654}, {\"word\": \"大\", \"start\": 94.884, \"end\": 95.044, \"score\": 0.879}, {\"word\": \"概\", \"start\": 95.044, \"end\": 95.305, \"score\": 0.889}, {\"word\": \"是\", \"start\": 95.305, \"end\": 96.426, \"score\": 0.915}, {\"word\": \"1\"}, {\"word\": \"5\"}, {\"word\": \"萬\"}, {\"word\": \"左\", \"start\": 96.426, \"end\": 96.626, \"score\": 0.98}, {\"word\": \"右\", \"start\": 96.626, \"end\": 97.086, \"score\": 0.923}, {\"word\": \"那\", \"start\": 97.086, \"end\": 97.226, \"score\": 0.673}, {\"word\": \"第\", \"start\": 97.226, \"end\": 97.427, \"score\": 0.865}, {\"word\": \"二\", \"start\": 97.427, \"end\": 97.567, \"score\": 0.849}, {\"word\": \"個\"}, {\"word\": \"呢\", \"start\": 97.567, \"end\": 98.387, \"score\": 0.902}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"部\", \"start\": 98.387, \"end\": 98.567, \"score\": 0.862}, {\"word\": \"分\", \"start\": 98.567, \"end\": 98.788, \"score\": 0.98}, {\"word\": \"保\", \"start\": 98.788, \"end\": 99.208, \"score\": 0.948}, {\"word\": \"險\"}, {\"word\": \"契\", \"start\": 99.208, \"end\": 99.688, \"score\": 0.94}, {\"word\": \"約\"}, {\"word\": \"如\", \"start\": 99.688, \"end\": 99.949, \"score\": 0.713}, {\"word\": \"小\", \"start\": 99.949, \"end\": 100.249, \"score\": 0.942}, {\"word\": \"額\"}, {\"word\": \"中\", \"start\": 100.249, \"end\": 100.369, \"score\": 0.896}, {\"word\": \"老\", \"start\": 100.369, \"end\": 100.509, \"score\": 0.755}, {\"word\": \"保\", \"start\": 100.509, \"end\": 100.93, \"score\": 0.897}, {\"word\": \"險\"}, {\"word\": \"呢\", \"start\": 100.93, \"end\": 101.45, \"score\": 0.964}, {\"word\": \"那\", \"start\": 101.45, \"end\": 101.61, \"score\": 0.872}, {\"word\": \"是\", \"start\": 101.61, \"end\": 101.71, \"score\": 0.752}, {\"word\": \"否\", \"start\": 101.71, \"end\": 101.83, \"score\": 0.663}, {\"word\": \"排\", \"start\": 101.83, \"end\": 102.051, \"score\": 0.935}, {\"word\": \"除\", \"start\": 102.051, \"end\": 102.211, \"score\": 0.969}, {\"word\": \"呢\", \"start\": 102.211, \"end\": 102.791, \"score\": 0.913}, {\"word\": \"則\"}, {\"word\": \"是\", \"start\": 102.791, \"end\": 102.891, \"score\": 0.867}, {\"word\": \"由\", \"start\": 102.891, \"end\": 103.111, \"score\": 0.907}, {\"word\": \"金\", \"start\": 103.111, \"end\": 103.292, \"score\": 0.99}, {\"word\": \"管\", \"start\": 103.292, \"end\": 104.012, \"score\": 0.955}, {\"word\": \"會\"}, {\"word\": \"以\", \"start\": 104.012, \"end\": 104.272, \"score\": 0.891}, {\"word\": \"特\", \"start\": 104.272, \"end\": 104.593, \"score\": 0.964}, {\"word\": \"定\", \"start\": 104.593, \"end\": 104.773, \"score\": 0.99}, {\"word\": \"的\", \"start\": 104.773, \"end\": 105.674, \"score\": 0.898}, {\"word\": \"險\"}, {\"word\": \"種\"}, {\"word\": \"排\", \"start\": 105.674, \"end\": 105.854, \"score\": 0.854}, {\"word\": \"除\", \"start\": 105.854, \"end\": 106.034, \"score\": 0.825}, {\"word\": \"方\", \"start\": 106.034, \"end\": 106.234, \"score\": 0.99}, {\"word\": \"式\", \"start\": 106.234, \"end\": 107.075, \"score\": 0.878}, {\"word\": \"來\"}, {\"word\": \"豁\"}, {\"word\": \"免\", \"start\": 107.075, \"end\": 107.595, \"score\": 0.938}, {\"word\": \"那\", \"start\": 107.595, \"end\": 108.056, \"score\": 0.79}, {\"word\": \"經\"}, {\"word\": \"過\"}, {\"word\": \"今\", \"start\": 108.056, \"end\": 108.176, \"score\": 0.989}, {\"word\": \"天\", \"start\": 108.176, \"end\": 108.296, \"score\": 0.992}, {\"word\": \"的\", \"start\": 108.296, \"end\": 108.416, \"score\": 0.84}, {\"word\": \"修\", \"start\": 108.416, \"end\": 108.576, \"score\": 0.791}, {\"word\": \"法\", \"start\": 108.576, \"end\": 108.756, \"score\": 0.87}, {\"word\": \"之\", \"start\": 108.756, \"end\": 108.896, \"score\": 0.853}, {\"word\": \"後\", \"start\": 108.896, \"end\": 109.077, \"score\": 0.888}, {\"word\": \"呢\", \"start\": 109.077, \"end\": 109.097, \"score\": 0.775}]}, {\"start\": 109.677, \"end\": 128.133, \"text\": \"那大概按照金管會的這個的說明呢這兩年被強制執行的123萬的保單當中呢大概可以排除九成近百萬的保單不僅呢減輕各法院執行案量最重要的也保障了這個債務人的健康險還有傷害險等等謝謝\", \"words\": [{\"word\": \"那\", \"start\": 109.677, \"end\": 109.977, \"score\": 0.992}, {\"word\": \"大\", \"start\": 109.977, \"end\": 110.178, \"score\": 0.992}, {\"word\": \"概\", \"start\": 110.178, \"end\": 110.738, \"score\": 0.989}, {\"word\": \"按\", \"start\": 110.738, \"end\": 110.878, \"score\": 0.995}, {\"word\": \"照\", \"start\": 110.878, \"end\": 111.118, \"score\": 0.997}, {\"word\": \"金\", \"start\": 111.118, \"end\": 111.299, \"score\": 0.97}, {\"word\": \"管\", \"start\": 111.299, \"end\": 111.759, \"score\": 0.95}, {\"word\": \"會\"}, {\"word\": \"的\", \"start\": 111.759, \"end\": 113.4, \"score\": 0.962}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"的\", \"start\": 113.4, \"end\": 113.701, \"score\": 0.927}, {\"word\": \"說\"}, {\"word\": \"明\", \"start\": 113.701, \"end\": 113.841, \"score\": 0.998}, {\"word\": \"呢\", \"start\": 113.841, \"end\": 114.681, \"score\": 0.937}, {\"word\": \"這\"}, {\"word\": \"兩\"}, {\"word\": \"年\", \"start\": 114.681, \"end\": 114.862, \"score\": 0.966}, {\"word\": \"被\", \"start\": 114.862, \"end\": 115.162, \"score\": 0.932}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 115.162, \"end\": 115.502, \"score\": 0.907}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 115.502, \"end\": 115.682, \"score\": 0.991}, {\"word\": \"的\", \"start\": 115.682, \"end\": 116.763, \"score\": 0.905}, {\"word\": \"1\"}, {\"word\": \"2\"}, {\"word\": \"3\"}, {\"word\": \"萬\"}, {\"word\": \"的\", \"start\": 116.763, \"end\": 116.923, \"score\": 0.999}, {\"word\": \"保\", \"start\": 116.923, \"end\": 117.504, \"score\": 0.926}, {\"word\": \"單\"}, {\"word\": \"當\"}, {\"word\": \"中\", \"start\": 117.504, \"end\": 117.664, \"score\": 0.947}, {\"word\": \"呢\", \"start\": 117.664, \"end\": 118.084, \"score\": 0.983}, {\"word\": \"大\", \"start\": 118.084, \"end\": 118.264, \"score\": 0.992}, {\"word\": \"概\", \"start\": 118.264, \"end\": 118.425, \"score\": 0.987}, {\"word\": \"可\", \"start\": 118.425, \"end\": 118.545, \"score\": 0.905}, {\"word\": \"以\", \"start\": 118.545, \"end\": 118.685, \"score\": 0.855}, {\"word\": \"排\", \"start\": 118.685, \"end\": 118.945, \"score\": 0.998}, {\"word\": \"除\", \"start\": 118.945, \"end\": 119.225, \"score\": 0.99}, {\"word\": \"九\", \"start\": 119.225, \"end\": 119.465, \"score\": 0.975}, {\"word\": \"成\", \"start\": 119.465, \"end\": 120.086, \"score\": 0.964}, {\"word\": \"近\", \"start\": 120.086, \"end\": 120.406, \"score\": 0.941}, {\"word\": \"百\", \"start\": 120.406, \"end\": 120.787, \"score\": 0.913}, {\"word\": \"萬\"}, {\"word\": \"的\", \"start\": 120.787, \"end\": 120.907, \"score\": 0.997}, {\"word\": \"保\", \"start\": 120.907, \"end\": 121.667, \"score\": 0.967}, {\"word\": \"單\"}, {\"word\": \"不\", \"start\": 121.667, \"end\": 121.948, \"score\": 0.927}, {\"word\": \"僅\"}, {\"word\": \"呢\", \"start\": 121.948, \"end\": 122.568, \"score\": 0.903}, {\"word\": \"減\"}, {\"word\": \"輕\"}, {\"word\": \"各\", \"start\": 122.568, \"end\": 122.728, \"score\": 0.989}, {\"word\": \"法\", \"start\": 122.728, \"end\": 122.868, \"score\": 0.819}, {\"word\": \"院\", \"start\": 122.868, \"end\": 123.129, \"score\": 0.847}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 123.129, \"end\": 123.269, \"score\": 0.934}, {\"word\": \"案\", \"start\": 123.269, \"end\": 123.389, \"score\": 0.978}, {\"word\": \"量\", \"start\": 123.389, \"end\": 123.789, \"score\": 0.981}, {\"word\": \"最\", \"start\": 123.789, \"end\": 123.929, \"score\": 0.992}, {\"word\": \"重\", \"start\": 123.929, \"end\": 124.129, \"score\": 0.995}, {\"word\": \"要\", \"start\": 124.129, \"end\": 124.33, \"score\": 0.993}, {\"word\": \"的\", \"start\": 124.33, \"end\": 124.67, \"score\": 0.992}, {\"word\": \"也\", \"start\": 124.67, \"end\": 124.91, \"score\": 1.0}, {\"word\": \"保\", \"start\": 124.91, \"end\": 125.11, \"score\": 0.998}, {\"word\": \"障\", \"start\": 125.11, \"end\": 125.31, \"score\": 0.981}, {\"word\": \"了\", \"start\": 125.31, \"end\": 126.291, \"score\": 0.892}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 126.291, \"end\": 126.451, \"score\": 0.994}, {\"word\": \"的\", \"start\": 126.451, \"end\": 126.612, \"score\": 0.996}, {\"word\": \"健\", \"start\": 126.612, \"end\": 126.812, \"score\": 0.992}, {\"word\": \"康\", \"start\": 126.812, \"end\": 127.432, \"score\": 0.935}, {\"word\": \"險\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 127.432, \"end\": 127.773, \"score\": 0.941}, {\"word\": \"傷\"}, {\"word\": \"害\", \"start\": 127.773, \"end\": 127.933, \"score\": 0.988}, {\"word\": \"險\"}, {\"word\": \"等\", \"start\": 127.933, \"end\": 128.113, \"score\": 0.889}, {\"word\": \"等\", \"start\": 128.113, \"end\": 128.133, \"score\": 0.003}, {\"word\": \"謝\"}, {\"word\": \"謝\"}]}], \"word_segments\": [{\"word\": \"謝\"}, {\"word\": \"謝\"}, {\"word\": \"主\", \"start\": 8.028, \"end\": 8.208, \"score\": 0.985}, {\"word\": \"席\", \"start\": 8.208, \"end\": 9.069, \"score\": 0.996}, {\"word\": \"那\", \"start\": 9.069, \"end\": 9.229, \"score\": 0.84}, {\"word\": \"今\", \"start\": 9.229, \"end\": 9.369, \"score\": 0.886}, {\"word\": \"天\", \"start\": 9.369, \"end\": 9.729, \"score\": 0.993}, {\"word\": \"保\", \"start\": 9.729, \"end\": 10.109, \"score\": 0.94}, {\"word\": \"險\"}, {\"word\": \"法\", \"start\": 10.109, \"end\": 10.509, \"score\": 0.902}, {\"word\": \"關\"}, {\"word\": \"於\", \"start\": 10.509, \"end\": 10.85, \"score\": 0.94}, {\"word\": \"保\", \"start\": 10.85, \"end\": 11.33, \"score\": 0.828}, {\"word\": \"單\"}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 11.33, \"end\": 11.73, \"score\": 0.899}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 11.73, \"end\": 11.95, \"score\": 0.937}, {\"word\": \"的\", \"start\": 11.95, \"end\": 12.33, \"score\": 0.892}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"修\", \"start\": 12.33, \"end\": 12.57, \"score\": 0.986}, {\"word\": \"法\", \"start\": 12.57, \"end\": 13.111, \"score\": 0.994}, {\"word\": \"那\", \"start\": 13.111, \"end\": 13.291, \"score\": 0.95}, {\"word\": \"最\", \"start\": 13.291, \"end\": 13.431, \"score\": 0.843}, {\"word\": \"主\", \"start\": 13.431, \"end\": 13.511, \"score\": 0.75}, {\"word\": \"要\", \"start\": 13.511, \"end\": 13.591, \"score\": 0.722}, {\"word\": \"是\", \"start\": 13.591, \"end\": 13.871, \"score\": 0.873}, {\"word\": \"來\"}, {\"word\": \"自\", \"start\": 13.871, \"end\": 13.991, \"score\": 0.842}, {\"word\": \"於\", \"start\": 13.991, \"end\": 14.131, \"score\": 0.856}, {\"word\": \"在\", \"start\": 14.131, \"end\": 14.331, \"score\": 0.974}, {\"word\": \"民\", \"start\": 14.331, \"end\": 15.552, \"score\": 0.886}, {\"word\": \"國\"}, {\"word\": \"1\"}, {\"word\": \"1\"}, {\"word\": \"1\"}, {\"word\": \"年\", \"start\": 15.552, \"end\": 15.692, \"score\": 0.892}, {\"word\": \"的\", \"start\": 15.692, \"end\": 16.092, \"score\": 0.921}, {\"word\": \"1\"}, {\"word\": \"2\"}, {\"word\": \"月\", \"start\": 16.092, \"end\": 16.892, \"score\": 0.902}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"最\", \"start\": 16.892, \"end\": 16.992, \"score\": 1.0}, {\"word\": \"高\", \"start\": 16.992, \"end\": 17.192, \"score\": 0.996}, {\"word\": \"法\", \"start\": 17.192, \"end\": 17.312, \"score\": 0.997}, {\"word\": \"院\", \"start\": 17.312, \"end\": 17.413, \"score\": 0.798}, {\"word\": \"民\", \"start\": 17.413, \"end\": 17.593, \"score\": 0.871}, {\"word\": \"事\", \"start\": 17.593, \"end\": 17.713, \"score\": 0.803}, {\"word\": \"大\", \"start\": 17.713, \"end\": 17.913, \"score\": 0.896}, {\"word\": \"法\", \"start\": 17.913, \"end\": 18.153, \"score\": 0.989}, {\"word\": \"庭\", \"start\": 18.153, \"end\": 18.673, \"score\": 0.996}, {\"word\": \"可\", \"start\": 18.673, \"end\": 18.813, \"score\": 0.934}, {\"word\": \"任\", \"start\": 18.813, \"end\": 19.173, \"score\": 0.889}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 19.173, \"end\": 19.433, \"score\": 0.905}, {\"word\": \"法\", \"start\": 19.433, \"end\": 19.674, \"score\": 1.0}, {\"word\": \"院\", \"start\": 19.674, \"end\": 20.154, \"score\": 0.961}, {\"word\": \"在\", \"start\": 20.154, \"end\": 20.334, \"score\": 0.998}, {\"word\": \"必\", \"start\": 20.334, \"end\": 20.394, \"score\": 0.951}, {\"word\": \"要\", \"start\": 20.394, \"end\": 20.514, \"score\": 0.953}, {\"word\": \"的\", \"start\": 20.514, \"end\": 20.794, \"score\": 0.798}, {\"word\": \"時\"}, {\"word\": \"候\", \"start\": 20.794, \"end\": 20.934, \"score\": 0.996}, {\"word\": \"呢\", \"start\": 20.934, \"end\": 21.154, \"score\": 0.896}, {\"word\": \"得\", \"start\": 21.154, \"end\": 21.254, \"score\": 0.912}, {\"word\": \"核\", \"start\": 21.254, \"end\": 21.714, \"score\": 0.78}, {\"word\": \"發\"}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 21.714, \"end\": 21.834, \"score\": 0.908}, {\"word\": \"命\", \"start\": 21.834, \"end\": 21.995, \"score\": 0.887}, {\"word\": \"令\", \"start\": 21.995, \"end\": 22.555, \"score\": 0.965}, {\"word\": \"終\"}, {\"word\": \"止\", \"start\": 22.555, \"end\": 23.035, \"score\": 0.838}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 23.035, \"end\": 23.355, \"score\": 0.83}, {\"word\": \"為\"}, {\"word\": \"要\", \"start\": 23.355, \"end\": 23.555, \"score\": 0.927}, {\"word\": \"保\", \"start\": 23.555, \"end\": 23.675, \"score\": 0.987}, {\"word\": \"人\", \"start\": 23.675, \"end\": 23.835, \"score\": 0.875}, {\"word\": \"的\", \"start\": 23.835, \"end\": 23.995, \"score\": 0.998}, {\"word\": \"人\", \"start\": 23.995, \"end\": 24.416, \"score\": 0.949}, {\"word\": \"壽\"}, {\"word\": \"保\", \"start\": 24.416, \"end\": 24.776, \"score\": 0.943}, {\"word\": \"險\"}, {\"word\": \"契\", \"start\": 24.776, \"end\": 25.596, \"score\": 0.941}, {\"word\": \"約\"}, {\"word\": \"但\", \"start\": 25.596, \"end\": 25.716, \"score\": 0.981}, {\"word\": \"是\", \"start\": 25.716, \"end\": 25.816, \"score\": 0.88}, {\"word\": \"在\", \"start\": 25.816, \"end\": 26.096, \"score\": 0.896}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 26.096, \"end\": 26.276, \"score\": 0.894}, {\"word\": \"上\", \"start\": 26.276, \"end\": 26.436, \"score\": 0.99}, {\"word\": \"面\", \"start\": 26.436, \"end\": 26.577, \"score\": 0.996}, {\"word\": \"呢\", \"start\": 26.577, \"end\": 26.817, \"score\": 0.927}, {\"word\": \"除\", \"start\": 26.817, \"end\": 26.897, \"score\": 0.807}, {\"word\": \"了\", \"start\": 26.897, \"end\": 26.957, \"score\": 0.658}, {\"word\": \"人\", \"start\": 26.957, \"end\": 27.257, \"score\": 0.86}, {\"word\": \"壽\"}, {\"word\": \"保\", \"start\": 27.257, \"end\": 27.537, \"score\": 0.926}, {\"word\": \"險\"}, {\"word\": \"契\", \"start\": 27.537, \"end\": 27.797, \"score\": 0.909}, {\"word\": \"約\"}, {\"word\": \"之\", \"start\": 27.797, \"end\": 27.917, \"score\": 0.991}, {\"word\": \"外\", \"start\": 27.917, \"end\": 28.117, \"score\": 0.998}, {\"word\": \"呢\", \"start\": 28.117, \"end\": 29.058, \"score\": 0.958}, {\"word\": \"低\", \"start\": 29.058, \"end\": 29.198, \"score\": 0.958}, {\"word\": \"解\", \"start\": 29.198, \"end\": 29.538, \"score\": 0.93}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 29.538, \"end\": 29.938, \"score\": 0.941}, {\"word\": \"或\", \"start\": 29.938, \"end\": 30.038, \"score\": 0.974}, {\"word\": \"是\", \"start\": 30.038, \"end\": 30.138, \"score\": 0.919}, {\"word\": \"沒\", \"start\": 30.138, \"end\": 30.238, \"score\": 0.8}, {\"word\": \"有\", \"start\": 30.238, \"end\": 30.358, \"score\": 0.785}, {\"word\": \"解\", \"start\": 30.358, \"end\": 30.658, \"score\": 0.913}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 30.658, \"end\": 30.858, \"score\": 0.897}, {\"word\": \"的\", \"start\": 30.858, \"end\": 31.099, \"score\": 0.999}, {\"word\": \"健\", \"start\": 31.099, \"end\": 31.379, \"score\": 0.98}, {\"word\": \"康\", \"start\": 31.379, \"end\": 32.159, \"score\": 0.973}, {\"word\": \"險\"}, {\"word\": \"或\", \"start\": 32.159, \"end\": 32.319, \"score\": 0.94}, {\"word\": \"是\", \"start\": 32.319, \"end\": 32.599, \"score\": 0.85}, {\"word\": \"傷\"}, {\"word\": \"害\", \"start\": 32.599, \"end\": 32.959, \"score\": 0.85}, {\"word\": \"險\"}, {\"word\": \"呢\", \"start\": 32.959, \"end\": 33.38, \"score\": 0.957}, {\"word\": \"也\", \"start\": 33.38, \"end\": 33.54, \"score\": 0.936}, {\"word\": \"被\", \"start\": 33.54, \"end\": 33.62, \"score\": 1.0}, {\"word\": \"擴\"}, {\"word\": \"及\", \"start\": 33.62, \"end\": 33.64, \"score\": 0.0}, {\"word\": \"那\", \"start\": 34.6, \"end\": 34.76, \"score\": 0.847}, {\"word\": \"所\", \"start\": 34.76, \"end\": 34.92, \"score\": 0.991}, {\"word\": \"以\", \"start\": 34.92, \"end\": 35.0, \"score\": 0.929}, {\"word\": \"呢\", \"start\": 35.0, \"end\": 36.14, \"score\": 0.943}, {\"word\": \"雖\"}, {\"word\": \"然\", \"start\": 36.14, \"end\": 36.48, \"score\": 0.936}, {\"word\": \"解\", \"start\": 36.48, \"end\": 36.821, \"score\": 0.896}, {\"word\": \"約\"}, {\"word\": \"可\", \"start\": 36.821, \"end\": 37.001, \"score\": 0.928}, {\"word\": \"以\", \"start\": 37.001, \"end\": 37.441, \"score\": 0.953}, {\"word\": \"有\", \"start\": 37.441, \"end\": 37.701, \"score\": 0.993}, {\"word\": \"少\", \"start\": 37.701, \"end\": 37.881, \"score\": 0.967}, {\"word\": \"量\", \"start\": 37.881, \"end\": 38.061, \"score\": 0.851}, {\"word\": \"的\", \"start\": 38.061, \"end\": 38.161, \"score\": 0.8}, {\"word\": \"填\", \"start\": 38.161, \"end\": 39.121, \"score\": 0.849}, {\"word\": \"補\"}, {\"word\": \"債\"}, {\"word\": \"權\"}, {\"word\": \"但\", \"start\": 39.121, \"end\": 39.261, \"score\": 0.973}, {\"word\": \"是\", \"start\": 39.261, \"end\": 39.641, \"score\": 0.915}, {\"word\": \"對\"}, {\"word\": \"於\", \"start\": 39.641, \"end\": 40.021, \"score\": 0.947}, {\"word\": \"大\", \"start\": 40.021, \"end\": 40.221, \"score\": 0.874}, {\"word\": \"多\", \"start\": 40.221, \"end\": 40.501, \"score\": 0.855}, {\"word\": \"數\"}, {\"word\": \"的\", \"start\": 40.501, \"end\": 40.841, \"score\": 0.812}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 40.841, \"end\": 41.302, \"score\": 0.823}, {\"word\": \"來\"}, {\"word\": \"講\"}, {\"word\": \"呢\", \"start\": 41.302, \"end\": 42.202, \"score\": 0.911}, {\"word\": \"確\"}, {\"word\": \"實\"}, {\"word\": \"的\", \"start\": 42.202, \"end\": 43.102, \"score\": 0.964}, {\"word\": \"喪\"}, {\"word\": \"失\", \"start\": 43.102, \"end\": 43.602, \"score\": 0.816}, {\"word\": \"了\", \"start\": 43.602, \"end\": 44.002, \"score\": 0.939}, {\"word\": \"醫\"}, {\"word\": \"療\"}, {\"word\": \"保\", \"start\": 44.002, \"end\": 44.302, \"score\": 0.949}, {\"word\": \"障\", \"start\": 44.302, \"end\": 44.802, \"score\": 0.779}, {\"word\": \"那\", \"start\": 44.802, \"end\": 44.982, \"score\": 0.834}, {\"word\": \"所\", \"start\": 44.982, \"end\": 45.082, \"score\": 0.99}, {\"word\": \"以\", \"start\": 45.082, \"end\": 45.162, \"score\": 0.967}, {\"word\": \"呢\", \"start\": 45.162, \"end\": 45.322, \"score\": 0.863}, {\"word\": \"才\", \"start\": 45.322, \"end\": 45.563, \"score\": 0.891}, {\"word\": \"會\"}, {\"word\": \"有\", \"start\": 45.563, \"end\": 45.863, \"score\": 0.864}, {\"word\": \"這\"}, {\"word\": \"一\", \"start\": 45.863, \"end\": 45.963, \"score\": 0.803}, {\"word\": \"次\", \"start\": 45.963, \"end\": 46.103, \"score\": 0.887}, {\"word\": \"的\", \"start\": 46.103, \"end\": 46.463, \"score\": 0.878}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"修\", \"start\": 46.463, \"end\": 46.703, \"score\": 0.984}, {\"word\": \"法\", \"start\": 46.703, \"end\": 47.143, \"score\": 0.938}, {\"word\": \"那\", \"start\": 47.143, \"end\": 47.483, \"score\": 0.809}, {\"word\": \"這\"}, {\"word\": \"次\", \"start\": 47.483, \"end\": 47.603, \"score\": 0.941}, {\"word\": \"的\", \"start\": 47.603, \"end\": 47.803, \"score\": 0.925}, {\"word\": \"修\", \"start\": 47.803, \"end\": 48.063, \"score\": 0.989}, {\"word\": \"法\", \"start\": 48.063, \"end\": 48.263, \"score\": 0.99}, {\"word\": \"呢\", \"start\": 48.263, \"end\": 49.343, \"score\": 0.897}, {\"word\": \"經\"}, {\"word\": \"過\"}, {\"word\": \"我\", \"start\": 49.343, \"end\": 50.004, \"score\": 0.908}, {\"word\": \"們\"}, {\"word\": \"財\"}, {\"word\": \"委\", \"start\": 50.004, \"end\": 51.324, \"score\": 0.959}, {\"word\": \"會\"}, {\"word\": \"邀\", \"start\": 51.324, \"end\": 52.664, \"score\": 0.874}, {\"word\": \"請\"}, {\"word\": \"經\"}, {\"word\": \"管\", \"start\": 52.664, \"end\": 53.284, \"score\": 0.756}, {\"word\": \"會\"}, {\"word\": \"來\"}, {\"word\": \"報\"}, {\"word\": \"告\", \"start\": 53.284, \"end\": 53.884, \"score\": 0.793}, {\"word\": \"然\", \"start\": 53.884, \"end\": 53.984, \"score\": 0.762}, {\"word\": \"後\", \"start\": 53.984, \"end\": 54.145, \"score\": 0.643}, {\"word\": \"呢\", \"start\": 54.145, \"end\": 54.305, \"score\": 0.789}, {\"word\": \"也\", \"start\": 54.305, \"end\": 54.485, \"score\": 0.894}, {\"word\": \"召\", \"start\": 54.485, \"end\": 54.785, \"score\": 0.877}, {\"word\": \"開\"}, {\"word\": \"了\", \"start\": 54.785, \"end\": 54.925, \"score\": 0.826}, {\"word\": \"公\", \"start\": 54.925, \"end\": 55.905, \"score\": 0.941}, {\"word\": \"聽\"}, {\"word\": \"會\"}, {\"word\": \"那\", \"start\": 55.905, \"end\": 56.045, \"score\": 0.673}, {\"word\": \"大\", \"start\": 56.045, \"end\": 56.165, \"score\": 0.738}, {\"word\": \"家\", \"start\": 56.165, \"end\": 56.325, \"score\": 0.85}, {\"word\": \"做\", \"start\": 56.325, \"end\": 56.465, \"score\": 0.967}, {\"word\": \"一\", \"start\": 56.465, \"end\": 56.945, \"score\": 0.863}, {\"word\": \"個\"}, {\"word\": \"廣\"}, {\"word\": \"泛\", \"start\": 56.945, \"end\": 57.085, \"score\": 0.903}, {\"word\": \"的\", \"start\": 57.085, \"end\": 57.525, \"score\": 0.89}, {\"word\": \"討\"}, {\"word\": \"論\"}, {\"word\": \"呢\", \"start\": 57.525, \"end\": 58.185, \"score\": 0.919}, {\"word\": \"然\", \"start\": 58.185, \"end\": 58.365, \"score\": 0.773}, {\"word\": \"後\", \"start\": 58.365, \"end\": 58.666, \"score\": 0.815}, {\"word\": \"終\"}, {\"word\": \"於\", \"start\": 58.666, \"end\": 58.826, \"score\": 0.81}, {\"word\": \"順\"}, {\"word\": \"利\", \"start\": 58.826, \"end\": 58.966, \"score\": 0.871}, {\"word\": \"呢\", \"start\": 58.966, \"end\": 59.426, \"score\": 0.986}, {\"word\": \"二\", \"start\": 59.426, \"end\": 59.766, \"score\": 0.848}, {\"word\": \"讀\"}, {\"word\": \"再\", \"start\": 59.766, \"end\": 59.926, \"score\": 0.813}, {\"word\": \"三\", \"start\": 59.926, \"end\": 59.946, \"score\": 0.901}, {\"word\": \"讀\"}, {\"word\": \"那\", \"start\": 60.666, \"end\": 61.066, \"score\": 0.987}, {\"word\": \"今\", \"start\": 61.066, \"end\": 61.246, \"score\": 0.91}, {\"word\": \"天\", \"start\": 61.246, \"end\": 61.566, \"score\": 1.0}, {\"word\": \"所\", \"start\": 61.566, \"end\": 61.907, \"score\": 0.872}, {\"word\": \"刪\"}, {\"word\": \"除\", \"start\": 61.907, \"end\": 62.047, \"score\": 0.856}, {\"word\": \"通\", \"start\": 62.047, \"end\": 62.687, \"score\": 0.837}, {\"word\": \"過\"}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"保\", \"start\": 62.687, \"end\": 63.087, \"score\": 0.874}, {\"word\": \"險\"}, {\"word\": \"法\", \"start\": 63.087, \"end\": 63.227, \"score\": 0.999}, {\"word\": \"的\", \"start\": 63.227, \"end\": 63.567, \"score\": 0.852}, {\"word\": \"這\"}, {\"word\": \"一\", \"start\": 63.567, \"end\": 64.008, \"score\": 0.951}, {\"word\": \"個\"}, {\"word\": \"重\", \"start\": 64.008, \"end\": 64.188, \"score\": 0.872}, {\"word\": \"要\", \"start\": 64.188, \"end\": 64.308, \"score\": 0.988}, {\"word\": \"的\", \"start\": 64.308, \"end\": 64.428, \"score\": 0.995}, {\"word\": \"一\", \"start\": 64.428, \"end\": 65.148, \"score\": 0.968}, {\"word\": \"個\"}, {\"word\": \"部\", \"start\": 65.148, \"end\": 65.268, \"score\": 0.992}, {\"word\": \"分\", \"start\": 65.268, \"end\": 65.548, \"score\": 0.819}, {\"word\": \"條\"}, {\"word\": \"文\", \"start\": 65.548, \"end\": 65.728, \"score\": 0.729}, {\"word\": \"的\", \"start\": 65.728, \"end\": 65.869, \"score\": 0.994}, {\"word\": \"修\", \"start\": 65.869, \"end\": 66.029, \"score\": 0.998}, {\"word\": \"正\", \"start\": 66.029, \"end\": 66.229, \"score\": 0.907}, {\"word\": \"草\", \"start\": 66.229, \"end\": 66.389, \"score\": 0.978}, {\"word\": \"案\", \"start\": 66.389, \"end\": 66.889, \"score\": 0.931}, {\"word\": \"主\", \"start\": 66.889, \"end\": 67.009, \"score\": 0.966}, {\"word\": \"要\", \"start\": 67.009, \"end\": 67.129, \"score\": 0.823}, {\"word\": \"有\", \"start\": 67.129, \"end\": 67.489, \"score\": 0.859}, {\"word\": \"兩\"}, {\"word\": \"個\"}, {\"word\": \"重\", \"start\": 67.489, \"end\": 68.25, \"score\": 0.969}, {\"word\": \"點\"}, {\"word\": \"第\", \"start\": 68.25, \"end\": 68.35, \"score\": 0.947}, {\"word\": \"一\", \"start\": 68.35, \"end\": 68.57, \"score\": 0.857}, {\"word\": \"個\"}, {\"word\": \"呢\", \"start\": 68.57, \"end\": 69.09, \"score\": 0.994}, {\"word\": \"是\", \"start\": 69.09, \"end\": 69.47, \"score\": 0.932}, {\"word\": \"確\"}, {\"word\": \"立\", \"start\": 69.47, \"end\": 69.65, \"score\": 0.908}, {\"word\": \"未\", \"start\": 69.65, \"end\": 70.391, \"score\": 0.885}, {\"word\": \"來\"}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 70.391, \"end\": 70.731, \"score\": 1.0}, {\"word\": \"有\", \"start\": 70.731, \"end\": 71.011, \"score\": 0.93}, {\"word\": \"效\", \"start\": 71.011, \"end\": 71.331, \"score\": 0.998}, {\"word\": \"保\", \"start\": 71.331, \"end\": 71.651, \"score\": 0.926}, {\"word\": \"單\"}, {\"word\": \"的\", \"start\": 71.651, \"end\": 71.771, \"score\": 0.979}, {\"word\": \"解\", \"start\": 71.771, \"end\": 72.552, \"score\": 0.885}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 72.552, \"end\": 73.212, \"score\": 0.891}, {\"word\": \"債\"}, {\"word\": \"權\"}, {\"word\": \"的\", \"start\": 73.212, \"end\": 73.332, \"score\": 0.994}, {\"word\": \"金\", \"start\": 73.332, \"end\": 73.792, \"score\": 0.839}, {\"word\": \"額\"}, {\"word\": \"統\"}, {\"word\": \"一\", \"start\": 73.792, \"end\": 74.493, \"score\": 0.994}, {\"word\": \"那\", \"start\": 74.493, \"end\": 74.613, \"score\": 0.87}, {\"word\": \"就\", \"start\": 74.613, \"end\": 74.733, \"score\": 1.0}, {\"word\": \"是\", \"start\": 74.733, \"end\": 75.053, \"score\": 0.847}, {\"word\": \"說\"}, {\"word\": \"呢\", \"start\": 75.053, \"end\": 75.293, \"score\": 0.998}, {\"word\": \"保\", \"start\": 75.293, \"end\": 75.593, \"score\": 0.905}, {\"word\": \"單\"}, {\"word\": \"的\", \"start\": 75.593, \"end\": 75.713, \"score\": 0.859}, {\"word\": \"解\", \"start\": 75.713, \"end\": 75.973, \"score\": 0.903}, {\"word\": \"約\"}, {\"word\": \"金\", \"start\": 75.973, \"end\": 76.133, \"score\": 0.972}, {\"word\": \"呢\", \"start\": 76.133, \"end\": 76.414, \"score\": 0.986}, {\"word\": \"在\", \"start\": 76.414, \"end\": 76.594, \"score\": 0.996}, {\"word\": \"一\", \"start\": 76.594, \"end\": 76.714, \"score\": 0.775}, {\"word\": \"定\", \"start\": 76.714, \"end\": 76.874, \"score\": 0.996}, {\"word\": \"的\", \"start\": 76.874, \"end\": 77.034, \"score\": 0.998}, {\"word\": \"金\", \"start\": 77.034, \"end\": 77.314, \"score\": 0.864}, {\"word\": \"額\"}, {\"word\": \"之\", \"start\": 77.314, \"end\": 77.594, \"score\": 0.927}, {\"word\": \"內\"}, {\"word\": \"呢\", \"start\": 77.594, \"end\": 78.054, \"score\": 0.995}, {\"word\": \"不\", \"start\": 78.054, \"end\": 78.254, \"score\": 0.811}, {\"word\": \"會\"}, {\"word\": \"被\", \"start\": 78.254, \"end\": 78.455, \"score\": 0.986}, {\"word\": \"扣\", \"start\": 78.455, \"end\": 78.655, \"score\": 0.89}, {\"word\": \"押\", \"start\": 78.655, \"end\": 78.795, \"score\": 0.823}, {\"word\": \"或\", \"start\": 78.795, \"end\": 79.135, \"score\": 0.879}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 79.135, \"end\": 79.515, \"score\": 0.909}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 79.515, \"end\": 80.115, \"score\": 0.982}, {\"word\": \"那\", \"start\": 80.115, \"end\": 80.355, \"score\": 0.99}, {\"word\": \"本\", \"start\": 80.355, \"end\": 80.716, \"score\": 0.941}, {\"word\": \"來\"}, {\"word\": \"呢\", \"start\": 80.716, \"end\": 81.016, \"score\": 0.996}, {\"word\": \"是\", \"start\": 81.016, \"end\": 81.136, \"score\": 0.999}, {\"word\": \"以\", \"start\": 81.136, \"end\": 81.736, \"score\": 0.877}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"最\", \"start\": 81.736, \"end\": 81.856, \"score\": 0.973}, {\"word\": \"低\", \"start\": 81.856, \"end\": 82.016, \"score\": 0.878}, {\"word\": \"生\", \"start\": 82.016, \"end\": 82.156, \"score\": 0.869}, {\"word\": \"活\", \"start\": 82.156, \"end\": 82.436, \"score\": 0.889}, {\"word\": \"費\"}, {\"word\": \"的\", \"start\": 82.436, \"end\": 83.017, \"score\": 0.889}, {\"word\": \"1\"}, {\"word\": \".\"}, {\"word\": \"2\"}, {\"word\": \"倍\", \"start\": 83.017, \"end\": 83.537, \"score\": 0.882}, {\"word\": \"來\"}, {\"word\": \"計\"}, {\"word\": \"算\", \"start\": 83.537, \"end\": 83.797, \"score\": 0.999}, {\"word\": \"三\", \"start\": 83.797, \"end\": 84.077, \"score\": 0.924}, {\"word\": \"個\"}, {\"word\": \"月\", \"start\": 84.077, \"end\": 84.617, \"score\": 0.967}, {\"word\": \"那\", \"start\": 84.617, \"end\": 84.758, \"score\": 0.88}, {\"word\": \"後\", \"start\": 84.758, \"end\": 85.058, \"score\": 0.862}, {\"word\": \"來\"}, {\"word\": \"金\", \"start\": 85.058, \"end\": 85.238, \"score\": 0.991}, {\"word\": \"管\", \"start\": 85.238, \"end\": 85.558, \"score\": 0.884}, {\"word\": \"會\"}, {\"word\": \"委\", \"start\": 85.558, \"end\": 86.038, \"score\": 0.919}, {\"word\": \"從\"}, {\"word\": \"善\", \"start\": 86.038, \"end\": 86.218, \"score\": 0.894}, {\"word\": \"如\", \"start\": 86.218, \"end\": 86.378, \"score\": 0.872}, {\"word\": \"流\", \"start\": 86.378, \"end\": 86.839, \"score\": 0.979}, {\"word\": \"所\", \"start\": 86.839, \"end\": 87.179, \"score\": 0.889}, {\"word\": \"以\", \"start\": 87.179, \"end\": 87.299, \"score\": 0.775}, {\"word\": \"所\", \"start\": 87.299, \"end\": 87.439, \"score\": 0.954}, {\"word\": \"以\", \"start\": 87.439, \"end\": 87.539, \"score\": 0.889}, {\"word\": \"呢\", \"start\": 87.539, \"end\": 87.959, \"score\": 0.934}, {\"word\": \"現\"}, {\"word\": \"在\", \"start\": 87.959, \"end\": 88.079, \"score\": 0.606}, {\"word\": \"是\", \"start\": 88.079, \"end\": 88.219, \"score\": 0.993}, {\"word\": \"以\", \"start\": 88.219, \"end\": 88.619, \"score\": 0.798}, {\"word\": \"1\"}, {\"word\": \".\"}, {\"word\": \"2\"}, {\"word\": \"倍\", \"start\": 88.619, \"end\": 88.96, \"score\": 0.877}, {\"word\": \"計\"}, {\"word\": \"算\", \"start\": 88.96, \"end\": 89.12, \"score\": 0.994}, {\"word\": \"的\", \"start\": 89.12, \"end\": 89.26, \"score\": 0.998}, {\"word\": \"六\", \"start\": 89.26, \"end\": 89.6, \"score\": 0.918}, {\"word\": \"個\"}, {\"word\": \"月\", \"start\": 89.6, \"end\": 89.62, \"score\": 0.434}, {\"word\": \"總\"}, {\"word\": \"額\"}, {\"word\": \"採\"}, {\"word\": \"取\", \"start\": 90.821, \"end\": 91.121, \"score\": 0.883}, {\"word\": \"最\", \"start\": 91.121, \"end\": 91.261, \"score\": 0.868}, {\"word\": \"高\", \"start\": 91.261, \"end\": 91.641, \"score\": 0.906}, {\"word\": \"標\"}, {\"word\": \"準\", \"start\": 91.641, \"end\": 91.962, \"score\": 0.871}, {\"word\": \"那\", \"start\": 91.962, \"end\": 92.102, \"score\": 0.823}, {\"word\": \"目\", \"start\": 92.102, \"end\": 92.262, \"score\": 0.845}, {\"word\": \"前\", \"start\": 92.262, \"end\": 92.422, \"score\": 0.92}, {\"word\": \"就\", \"start\": 92.422, \"end\": 92.562, \"score\": 0.98}, {\"word\": \"是\", \"start\": 92.562, \"end\": 92.682, \"score\": 0.993}, {\"word\": \"以\", \"start\": 92.682, \"end\": 92.923, \"score\": 0.967}, {\"word\": \"台\", \"start\": 92.923, \"end\": 93.083, \"score\": 0.863}, {\"word\": \"北\", \"start\": 93.083, \"end\": 93.223, \"score\": 0.997}, {\"word\": \"市\", \"start\": 93.223, \"end\": 93.663, \"score\": 0.82}, {\"word\": \"為\"}, {\"word\": \"標\"}, {\"word\": \"準\", \"start\": 93.663, \"end\": 94.164, \"score\": 0.862}, {\"word\": \"台\", \"start\": 94.164, \"end\": 94.264, \"score\": 0.929}, {\"word\": \"北\", \"start\": 94.264, \"end\": 94.404, \"score\": 0.858}, {\"word\": \"市\", \"start\": 94.404, \"end\": 94.504, \"score\": 0.769}, {\"word\": \"的\", \"start\": 94.504, \"end\": 94.724, \"score\": 0.633}, {\"word\": \"標\"}, {\"word\": \"準\", \"start\": 94.724, \"end\": 94.884, \"score\": 0.654}, {\"word\": \"大\", \"start\": 94.884, \"end\": 95.044, \"score\": 0.879}, {\"word\": \"概\", \"start\": 95.044, \"end\": 95.305, \"score\": 0.889}, {\"word\": \"是\", \"start\": 95.305, \"end\": 96.426, \"score\": 0.915}, {\"word\": \"1\"}, {\"word\": \"5\"}, {\"word\": \"萬\"}, {\"word\": \"左\", \"start\": 96.426, \"end\": 96.626, \"score\": 0.98}, {\"word\": \"右\", \"start\": 96.626, \"end\": 97.086, \"score\": 0.923}, {\"word\": \"那\", \"start\": 97.086, \"end\": 97.226, \"score\": 0.673}, {\"word\": \"第\", \"start\": 97.226, \"end\": 97.427, \"score\": 0.865}, {\"word\": \"二\", \"start\": 97.427, \"end\": 97.567, \"score\": 0.849}, {\"word\": \"個\"}, {\"word\": \"呢\", \"start\": 97.567, \"end\": 98.387, \"score\": 0.902}, {\"word\": \"針\"}, {\"word\": \"對\"}, {\"word\": \"部\", \"start\": 98.387, \"end\": 98.567, \"score\": 0.862}, {\"word\": \"分\", \"start\": 98.567, \"end\": 98.788, \"score\": 0.98}, {\"word\": \"保\", \"start\": 98.788, \"end\": 99.208, \"score\": 0.948}, {\"word\": \"險\"}, {\"word\": \"契\", \"start\": 99.208, \"end\": 99.688, \"score\": 0.94}, {\"word\": \"約\"}, {\"word\": \"如\", \"start\": 99.688, \"end\": 99.949, \"score\": 0.713}, {\"word\": \"小\", \"start\": 99.949, \"end\": 100.249, \"score\": 0.942}, {\"word\": \"額\"}, {\"word\": \"中\", \"start\": 100.249, \"end\": 100.369, \"score\": 0.896}, {\"word\": \"老\", \"start\": 100.369, \"end\": 100.509, \"score\": 0.755}, {\"word\": \"保\", \"start\": 100.509, \"end\": 100.93, \"score\": 0.897}, {\"word\": \"險\"}, {\"word\": \"呢\", \"start\": 100.93, \"end\": 101.45, \"score\": 0.964}, {\"word\": \"那\", \"start\": 101.45, \"end\": 101.61, \"score\": 0.872}, {\"word\": \"是\", \"start\": 101.61, \"end\": 101.71, \"score\": 0.752}, {\"word\": \"否\", \"start\": 101.71, \"end\": 101.83, \"score\": 0.663}, {\"word\": \"排\", \"start\": 101.83, \"end\": 102.051, \"score\": 0.935}, {\"word\": \"除\", \"start\": 102.051, \"end\": 102.211, \"score\": 0.969}, {\"word\": \"呢\", \"start\": 102.211, \"end\": 102.791, \"score\": 0.913}, {\"word\": \"則\"}, {\"word\": \"是\", \"start\": 102.791, \"end\": 102.891, \"score\": 0.867}, {\"word\": \"由\", \"start\": 102.891, \"end\": 103.111, \"score\": 0.907}, {\"word\": \"金\", \"start\": 103.111, \"end\": 103.292, \"score\": 0.99}, {\"word\": \"管\", \"start\": 103.292, \"end\": 104.012, \"score\": 0.955}, {\"word\": \"會\"}, {\"word\": \"以\", \"start\": 104.012, \"end\": 104.272, \"score\": 0.891}, {\"word\": \"特\", \"start\": 104.272, \"end\": 104.593, \"score\": 0.964}, {\"word\": \"定\", \"start\": 104.593, \"end\": 104.773, \"score\": 0.99}, {\"word\": \"的\", \"start\": 104.773, \"end\": 105.674, \"score\": 0.898}, {\"word\": \"險\"}, {\"word\": \"種\"}, {\"word\": \"排\", \"start\": 105.674, \"end\": 105.854, \"score\": 0.854}, {\"word\": \"除\", \"start\": 105.854, \"end\": 106.034, \"score\": 0.825}, {\"word\": \"方\", \"start\": 106.034, \"end\": 106.234, \"score\": 0.99}, {\"word\": \"式\", \"start\": 106.234, \"end\": 107.075, \"score\": 0.878}, {\"word\": \"來\"}, {\"word\": \"豁\"}, {\"word\": \"免\", \"start\": 107.075, \"end\": 107.595, \"score\": 0.938}, {\"word\": \"那\", \"start\": 107.595, \"end\": 108.056, \"score\": 0.79}, {\"word\": \"經\"}, {\"word\": \"過\"}, {\"word\": \"今\", \"start\": 108.056, \"end\": 108.176, \"score\": 0.989}, {\"word\": \"天\", \"start\": 108.176, \"end\": 108.296, \"score\": 0.992}, {\"word\": \"的\", \"start\": 108.296, \"end\": 108.416, \"score\": 0.84}, {\"word\": \"修\", \"start\": 108.416, \"end\": 108.576, \"score\": 0.791}, {\"word\": \"法\", \"start\": 108.576, \"end\": 108.756, \"score\": 0.87}, {\"word\": \"之\", \"start\": 108.756, \"end\": 108.896, \"score\": 0.853}, {\"word\": \"後\", \"start\": 108.896, \"end\": 109.077, \"score\": 0.888}, {\"word\": \"呢\", \"start\": 109.077, \"end\": 109.097, \"score\": 0.775}, {\"word\": \"那\", \"start\": 109.677, \"end\": 109.977, \"score\": 0.992}, {\"word\": \"大\", \"start\": 109.977, \"end\": 110.178, \"score\": 0.992}, {\"word\": \"概\", \"start\": 110.178, \"end\": 110.738, \"score\": 0.989}, {\"word\": \"按\", \"start\": 110.738, \"end\": 110.878, \"score\": 0.995}, {\"word\": \"照\", \"start\": 110.878, \"end\": 111.118, \"score\": 0.997}, {\"word\": \"金\", \"start\": 111.118, \"end\": 111.299, \"score\": 0.97}, {\"word\": \"管\", \"start\": 111.299, \"end\": 111.759, \"score\": 0.95}, {\"word\": \"會\"}, {\"word\": \"的\", \"start\": 111.759, \"end\": 113.4, \"score\": 0.962}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"的\", \"start\": 113.4, \"end\": 113.701, \"score\": 0.927}, {\"word\": \"說\"}, {\"word\": \"明\", \"start\": 113.701, \"end\": 113.841, \"score\": 0.998}, {\"word\": \"呢\", \"start\": 113.841, \"end\": 114.681, \"score\": 0.937}, {\"word\": \"這\"}, {\"word\": \"兩\"}, {\"word\": \"年\", \"start\": 114.681, \"end\": 114.862, \"score\": 0.966}, {\"word\": \"被\", \"start\": 114.862, \"end\": 115.162, \"score\": 0.932}, {\"word\": \"強\"}, {\"word\": \"制\", \"start\": 115.162, \"end\": 115.502, \"score\": 0.907}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 115.502, \"end\": 115.682, \"score\": 0.991}, {\"word\": \"的\", \"start\": 115.682, \"end\": 116.763, \"score\": 0.905}, {\"word\": \"1\"}, {\"word\": \"2\"}, {\"word\": \"3\"}, {\"word\": \"萬\"}, {\"word\": \"的\", \"start\": 116.763, \"end\": 116.923, \"score\": 0.999}, {\"word\": \"保\", \"start\": 116.923, \"end\": 117.504, \"score\": 0.926}, {\"word\": \"單\"}, {\"word\": \"當\"}, {\"word\": \"中\", \"start\": 117.504, \"end\": 117.664, \"score\": 0.947}, {\"word\": \"呢\", \"start\": 117.664, \"end\": 118.084, \"score\": 0.983}, {\"word\": \"大\", \"start\": 118.084, \"end\": 118.264, \"score\": 0.992}, {\"word\": \"概\", \"start\": 118.264, \"end\": 118.425, \"score\": 0.987}, {\"word\": \"可\", \"start\": 118.425, \"end\": 118.545, \"score\": 0.905}, {\"word\": \"以\", \"start\": 118.545, \"end\": 118.685, \"score\": 0.855}, {\"word\": \"排\", \"start\": 118.685, \"end\": 118.945, \"score\": 0.998}, {\"word\": \"除\", \"start\": 118.945, \"end\": 119.225, \"score\": 0.99}, {\"word\": \"九\", \"start\": 119.225, \"end\": 119.465, \"score\": 0.975}, {\"word\": \"成\", \"start\": 119.465, \"end\": 120.086, \"score\": 0.964}, {\"word\": \"近\", \"start\": 120.086, \"end\": 120.406, \"score\": 0.941}, {\"word\": \"百\", \"start\": 120.406, \"end\": 120.787, \"score\": 0.913}, {\"word\": \"萬\"}, {\"word\": \"的\", \"start\": 120.787, \"end\": 120.907, \"score\": 0.997}, {\"word\": \"保\", \"start\": 120.907, \"end\": 121.667, \"score\": 0.967}, {\"word\": \"單\"}, {\"word\": \"不\", \"start\": 121.667, \"end\": 121.948, \"score\": 0.927}, {\"word\": \"僅\"}, {\"word\": \"呢\", \"start\": 121.948, \"end\": 122.568, \"score\": 0.903}, {\"word\": \"減\"}, {\"word\": \"輕\"}, {\"word\": \"各\", \"start\": 122.568, \"end\": 122.728, \"score\": 0.989}, {\"word\": \"法\", \"start\": 122.728, \"end\": 122.868, \"score\": 0.819}, {\"word\": \"院\", \"start\": 122.868, \"end\": 123.129, \"score\": 0.847}, {\"word\": \"執\"}, {\"word\": \"行\", \"start\": 123.129, \"end\": 123.269, \"score\": 0.934}, {\"word\": \"案\", \"start\": 123.269, \"end\": 123.389, \"score\": 0.978}, {\"word\": \"量\", \"start\": 123.389, \"end\": 123.789, \"score\": 0.981}, {\"word\": \"最\", \"start\": 123.789, \"end\": 123.929, \"score\": 0.992}, {\"word\": \"重\", \"start\": 123.929, \"end\": 124.129, \"score\": 0.995}, {\"word\": \"要\", \"start\": 124.129, \"end\": 124.33, \"score\": 0.993}, {\"word\": \"的\", \"start\": 124.33, \"end\": 124.67, \"score\": 0.992}, {\"word\": \"也\", \"start\": 124.67, \"end\": 124.91, \"score\": 1.0}, {\"word\": \"保\", \"start\": 124.91, \"end\": 125.11, \"score\": 0.998}, {\"word\": \"障\", \"start\": 125.11, \"end\": 125.31, \"score\": 0.981}, {\"word\": \"了\", \"start\": 125.31, \"end\": 126.291, \"score\": 0.892}, {\"word\": \"這\"}, {\"word\": \"個\"}, {\"word\": \"債\"}, {\"word\": \"務\"}, {\"word\": \"人\", \"start\": 126.291, \"end\": 126.451, \"score\": 0.994}, {\"word\": \"的\", \"start\": 126.451, \"end\": 126.612, \"score\": 0.996}, {\"word\": \"健\", \"start\": 126.612, \"end\": 126.812, \"score\": 0.992}, {\"word\": \"康\", \"start\": 126.812, \"end\": 127.432, \"score\": 0.935}, {\"word\": \"險\"}, {\"word\": \"還\"}, {\"word\": \"有\", \"start\": 127.432, \"end\": 127.773, \"score\": 0.941}, {\"word\": \"傷\"}, {\"word\": \"害\", \"start\": 127.773, \"end\": 127.933, \"score\": 0.988}, {\"word\": \"險\"}, {\"word\": \"等\", \"start\": 127.933, \"end\": 128.113, \"score\": 0.889}, {\"word\": \"等\", \"start\": 128.113, \"end\": 128.133, \"score\": 0.003}, {\"word\": \"謝\"}, {\"word\": \"謝\"}], \"language\": \"zh\"}","srt":"1\n00:00:08,028 --> 00:00:33,640\n謝謝主席那今天保險法關於保單強制執行的這個修法那最主要是來自於在民國111年的12月這個最高法院民事大法庭可任執行法院在必要的時候呢得核發執行命令終止債務人為要保人的人壽保險契約但是在執行上面呢除了人壽保險契約之外呢低解約金或是沒有解約金的健康險或是傷害險呢也被擴及\n\n2\n00:00:34,600 --> 00:00:59,946\n那所以呢雖然解約可以有少量的填補債權但是對於大多數的債務人來講呢確實的喪失了醫療保障那所以呢才會有這一次的這個修法那這次的修法呢經過我們財委會邀請經管會來報告然後呢也召開了公聽會那大家做一個廣泛的討論呢然後終於順利呢二讀再三讀\n\n3\n00:01:00,666 --> 00:01:29,620\n那今天所刪除通過這個保險法的這一個重要的一個部分條文的修正草案主要有兩個重點第一個呢是確立未來債務人有效保單的解約金債權的金額統一那就是說呢保單的解約金呢在一定的金額之內呢不會被扣押或強制執行那本來呢是以這個最低生活費的1.2倍來計算三個月那後來金管會委從善如流所以所以呢現在是以1.2倍計算的六個月\n\n4\n00:01:30,821 --> 00:01:49,097\n總額採取最高標準那目前就是以台北市為標準台北市的標準大概是15萬左右那第二個呢針對部分保險契約如小額中老保險呢那是否排除呢則是由金管會以特定的險種排除方式來豁免那經過今天的修法之後呢\n\n5\n00:01:49,677 --> 00:02:08,133\n那大概按照金管會的這個的說明呢這兩年被強制執行的123萬的保單當中呢大概可以排除九成近百萬的保單不僅呢減輕各法院執行案量最重要的也保障了這個債務人的健康險還有傷害險等等謝謝\n\n","tsv":"start\tend\ttext\n8028\t33640\t謝謝主席那今天保險法關於保單強制執行的這個修法那最主要是來自於在民國111年的12月這個最高法院民事大法庭可任執行法院在必要的時候呢得核發執行命令終止債務人為要保人的人壽保險契約但是在執行上面呢除了人壽保險契約之外呢低解約金或是沒有解約金的健康險或是傷害險呢也被擴及\n34600\t59946\t那所以呢 雖然解約可以有少量的填補債權但是對於大多數的債務人來講呢 確實的喪失了醫療保障那所以呢 才會有這一次的這個修法那這次的修法呢 經過我們財委會邀請經管會來報告然後呢 也召開了公聽會那大家做一個廣泛的討論呢然後終於順利呢 二讀再三讀\n60666\t89620\t那今天所刪除通過這個保險法的這一個重要的一個部分條文的修正草案主要有兩個重點第一個呢是確立未來債務人有效保單的解約金債權的金額統一那就是說呢保單的解約金呢在一定的金額之內呢不會被扣押或強制執行那本來呢是以這個最低生活費的1.2倍來計算三個月那後來金管會委從善如流所以所以呢現在是以1.2倍計算的六個月\n90821\t109097\t總額採取最高標準那目前就是以台北市為標準台北市的標準大概是15萬左右那第二個呢針對部分保險契約如小額中老保險呢那是否排除呢則是由金管會以特定的險種排除方式來豁免那經過今天的修法之後呢\n109677\t128133\t那大概按照金管會的這個的說明呢這兩年被強制執行的123萬的保單當中呢大概可以排除九成近百萬的保單不僅呢減輕各法院執行案量最重要的也保障了這個債務人的健康險還有傷害險等等謝謝\n","txt":"謝謝主席那今天保險法關於保單強制執行的這個修法那最主要是來自於在民國111年的12月這個最高法院民事大法庭可任執行法院在必要的時候呢得核發執行命令終止債務人為要保人的人壽保險契約但是在執行上面呢除了人壽保險契約之外呢低解約金或是沒有解約金的健康險或是傷害險呢也被擴及\n那所以呢 雖然解約可以有少量的填補債權但是對於大多數的債務人來講呢 確實的喪失了醫療保障那所以呢 才會有這一次的這個修法那這次的修法呢 經過我們財委會邀請經管會來報告然後呢 也召開了公聽會那大家做一個廣泛的討論呢然後終於順利呢 二讀再三讀\n那今天所刪除通過這個保險法的這一個重要的一個部分條文的修正草案主要有兩個重點第一個呢是確立未來債務人有效保單的解約金債權的金額統一那就是說呢保單的解約金呢在一定的金額之內呢不會被扣押或強制執行那本來呢是以這個最低生活費的1.2倍來計算三個月那後來金管會委從善如流所以所以呢現在是以1.2倍計算的六個月\n總額採取最高標準那目前就是以台北市為標準台北市的標準大概是15萬左右那第二個呢針對部分保險契約如小額中老保險呢那是否排除呢則是由金管會以特定的險種排除方式來豁免那經過今天的修法之後呢\n那大概按照金管會的這個的說明呢這兩年被強制執行的123萬的保單當中呢大概可以排除九成近百萬的保單不僅呢減輕各法院執行案量最重要的也保障了這個債務人的健康險還有傷害險等等謝謝\n","vtt":"WEBVTT\n\n00:08.028 --> 00:33.640\n謝謝主席那今天保險法關於保單強制執行的這個修法那最主要是來自於在民國111年的12月這個最高法院民事大法庭可任執行法院在必要的時候呢得核發執行命令終止債務人為要保人的人壽保險契約但是在執行上面呢除了人壽保險契約之外呢低解約金或是沒有解約金的健康險或是傷害險呢也被擴及\n\n00:34.600 --> 00:59.946\n那所以呢雖然解約可以有少量的填補債權但是對於大多數的債務人來講呢確實的喪失了醫療保障那所以呢才會有這一次的這個修法那這次的修法呢經過我們財委會邀請經管會來報告然後呢也召開了公聽會那大家做一個廣泛的討論呢然後終於順利呢二讀再三讀\n\n01:00.666 --> 01:29.620\n那今天所刪除通過這個保險法的這一個重要的一個部分條文的修正草案主要有兩個重點第一個呢是確立未來債務人有效保單的解約金債權的金額統一那就是說呢保單的解約金呢在一定的金額之內呢不會被扣押或強制執行那本來呢是以這個最低生活費的1.2倍來計算三個月那後來金管會委從善如流所以所以呢現在是以1.2倍計算的六個月\n\n01:30.821 --> 01:49.097\n總額採取最高標準那目前就是以台北市為標準台北市的標準大概是15萬左右那第二個呢針對部分保險契約如小額中老保險呢那是否排除呢則是由金管會以特定的險種排除方式來豁免那經過今天的修法之後呢\n\n01:49.677 --> 02:08.133\n那大概按照金管會的這個的說明呢這兩年被強制執行的123萬的保單當中呢大概可以排除九成近百萬的保單不僅呢減輕各法院執行案量最重要的也保障了這個債務人的健康險還有傷害險等等謝謝\n\n","segments":[{"start":8.028,"end":33.64,"text":"謝謝主席那今天保險法關於保單強制執行的這個修法那最主要是來自於在民國111年的12月這個最高法院民事大法庭可任執行法院在必要的時候呢得核發執行命令終止債務人為要保人的人壽保險契約但是在執行上面呢除了人壽保險契約之外呢低解約金或是沒有解約金的健康險或是傷害險呢也被擴及"},{"start":34.6,"end":59.946,"text":"那所以呢 雖然解約可以有少量的填補債權但是對於大多數的債務人來講呢 確實的喪失了醫療保障那所以呢 才會有這一次的這個修法那這次的修法呢 經過我們財委會邀請經管會來報告然後呢 也召開了公聽會那大家做一個廣泛的討論呢然後終於順利呢 二讀再三讀"},{"start":60.666,"end":89.62,"text":"那今天所刪除通過這個保險法的這一個重要的一個部分條文的修正草案主要有兩個重點第一個呢是確立未來債務人有效保單的解約金債權的金額統一那就是說呢保單的解約金呢在一定的金額之內呢不會被扣押或強制執行那本來呢是以這個最低生活費的1.2倍來計算三個月那後來金管會委從善如流所以所以呢現在是以1.2倍計算的六個月"},{"start":90.821,"end":109.097,"text":"總額採取最高標準那目前就是以台北市為標準台北市的標準大概是15萬左右那第二個呢針對部分保險契約如小額中老保險呢那是否排除呢則是由金管會以特定的險種排除方式來豁免那經過今天的修法之後呢"},{"start":109.677,"end":128.133,"text":"那大概按照金管會的這個的說明呢這兩年被強制執行的123萬的保單當中呢大概可以排除九成近百萬的保單不僅呢減輕各法院執行案量最重要的也保障了這個債務人的健康險還有傷害險等等謝謝"}]}}},"gazette":{"lineno":80,"blocks":[["李委員坤城：（11時28分）謝謝主席。今天保險法關於保單強制執行的修法，最主要是來自於民國111年的12月，最高法院民事大法庭肯認執行法院在必要的時候得核發執行命令，終止債務人為要保人的人壽保險契約。但是在執行上面，除了人壽保險契約之外，低解約金或是沒有解約金的健康險或是傷害險也被擴及，雖然解約可以有少量的填補債權，但是對於大多數的債務人來講，卻喪失了醫療保障，所以才會有這一次的修法。這次的修法經過我們財委會邀請金管會來報告，也召開了公聽會，大家做一個廣泛的討論，終於順利二讀再三讀。今天三讀通過重要的保險法部分條文修正草案，主要有兩個重點：第一個，確立未來債務人有效保單的解約金債權金額統一，也就是保單解約金在一定金額之內不會被扣押或強制執行，本來是以最低生活費的1.2倍來計算3個月，後來金管會也從善如流，現在是以1.2倍計算6個月總額，採取最高標準，目前是以臺北市為標準，臺北市的標準大概是15萬左右；第二個，針對部分保險契約，如小額終老保險是否排除，則是由金管會以特定險種的排除方式來豁免。","經過今天的修法之後，按照金管會的說明，這兩年被強制執行的123萬的保單當中，大概可以排除九成、近百萬的保單，不僅減輕各法院的執行案量，最重要的也保障了債務人的健康險還有傷害險等等，謝謝。"],["主席：謝謝李坤城委員的發言。","接下來請最後一位，登記第7號的賴士葆委員發言。"]],"agenda":{"page_end":260,"meet_id":"院會-11-3-14","speakers":["韓國瑜","黃珊珊","鍾佳濱","王鴻薇","賴惠員","羅廷瑋","李坤城","賴士葆"],"page_start":18,"meetingDate":["2025-06-03"],"gazette_id":"1145301","agenda_lcidc_ids":["1145301_00002","1145301_00003","1145301_00004"],"meet_name":"立法院第11屆第3會期第14次會議紀錄","content":"討論事項\n保險法增訂第一百二十三條之一、第一百二十三條之二、第一百二十九條之一及第一百三十二條\n之一條文；刪除第一百六十八條之七條文；並修正第一百三十條、第一百四十八條之三、第一百\n六十七條之一及第一百七十一條之一條文─完成三讀─","agenda_id":"1145301_00003"}}}