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\"zh\"}","srt":"1\n00:00:02,372 --> 00:00:25,393\n主席各位同仁2025年6月3號立法院三讀通過保險法部分條文修正草案這一次的修法最令人興奮的亮點是大幅強化了保護在面對債務壓力的保障特別是針對保單遭強制執行的情況之下提供了更明確的一個華麗的保護\n\n2\n00:00:26,934 --> 00:00:49,933\n那當然我們要提到保險法金民事大法庭在一百零八年的時候抬抗制第八九七號的民事裁定說明裡頭講得非常清楚保單作為那個強制執行的標的物造成實務民事執行處在執行上有很多困難的情形相關的作業流程塞車甚至有失\n\n3\n00:00:50,893 --> 00:01:10,128\n書記官出走的這些問題為了解決實務上的一個執行問題也為了平衡債權人跟債務人的權利那在這一次我要非常感謝就是賴思寶召委還有黃珊珊委員那在所有財政委員會的所有的委員\n\n4\n00:01:10,828 --> 00:01:27,515\n那大家同心協力那我們也盡力的召開公聽會要求金管會執行報告那也質詢了相關的一個議題並諮詢專家學者以後那我們去研擬符合債權人債務人並且符合\n\n5\n00:01:28,155 --> 00:01:46,368\n學理的條文增添條文規定將傷害保險健康保險還有企業排除於強制執行的標的物之外並且規定保險企業的保單價值準備金沒有達到一定的水準以上一定不得強制執行\n\n6\n00:01:47,068 --> 00:02:06,141\n原先儘管會凝聚的一個條文有造成不同地點不同水準差別待遇的一個問題也經由本席跟我們財政委員會的共同委員的共同努力那我們凝聚了修正條文在所有大家的一個努力之下我們去解決了\n\n","tsv":"start\tend\ttext\n2372\t25393\t主席各位同仁2025年6月3號立法院三讀通過保險法部分條文修正草案這一次的修法最令人興奮的亮點是大幅強化了保護在面對債務壓力的保障特別是針對保單遭強制執行的情況之下提供了更明確的一個華麗的保護\n26934\t49933\t那當然我們要提到保險法金民事大法庭在一百零八年的時候抬抗制第八九七號的民事裁定說明裡頭講得非常清楚保單作為那個強制執行的標的物造成實務民事執行處在執行上有很多困難的情形相關的作業流程塞車甚至有失\n50893\t70128\t書記官出走的這些問題為了解決實務上的一個執行問題也為了平衡債權人跟債務人的權利那在這一次我要非常感謝就是賴思寶召委還有黃珊珊委員那在所有財政委員會的所有的委員\n70828\t87515\t那大家同心協力那我們也盡力的召開公聽會要求金管會執行報告那也質詢了相關的一個議題並諮詢專家學者以後那我們去研擬符合債權人債務人並且符合\n88155\t106368\t學理的條文增添條文規定將傷害保險健康保險還有企業排除於強制執行的標的物之外並且規定保險企業的保單價值準備金沒有達到一定的水準以上一定不得強制執行\n107068\t126141\t原先儘管會凝聚的一個條文有造成不同地點不同水準差別待遇的一個問題也經由本席跟我們財政委員會的共同委員的共同努力那我們凝聚了修正條文在所有大家的一個努力之下我們去解決了\n","txt":"主席各位同仁2025年6月3號立法院三讀通過保險法部分條文修正草案這一次的修法最令人興奮的亮點是大幅強化了保護在面對債務壓力的保障特別是針對保單遭強制執行的情況之下提供了更明確的一個華麗的保護\n那當然我們要提到保險法金民事大法庭在一百零八年的時候抬抗制第八九七號的民事裁定說明裡頭講得非常清楚保單作為那個強制執行的標的物造成實務民事執行處在執行上有很多困難的情形相關的作業流程塞車甚至有失\n書記官出走的這些問題為了解決實務上的一個執行問題也為了平衡債權人跟債務人的權利那在這一次我要非常感謝就是賴思寶召委還有黃珊珊委員那在所有財政委員會的所有的委員\n那大家同心協力那我們也盡力的召開公聽會要求金管會執行報告那也質詢了相關的一個議題並諮詢專家學者以後那我們去研擬符合債權人債務人並且符合\n學理的條文增添條文規定將傷害保險健康保險還有企業排除於強制執行的標的物之外並且規定保險企業的保單價值準備金沒有達到一定的水準以上一定不得強制執行\n原先儘管會凝聚的一個條文有造成不同地點不同水準差別待遇的一個問題也經由本席跟我們財政委員會的共同委員的共同努力那我們凝聚了修正條文在所有大家的一個努力之下我們去解決了\n","vtt":"WEBVTT\n\n00:02.372 --> 00:25.393\n主席各位同仁2025年6月3號立法院三讀通過保險法部分條文修正草案這一次的修法最令人興奮的亮點是大幅強化了保護在面對債務壓力的保障特別是針對保單遭強制執行的情況之下提供了更明確的一個華麗的保護\n\n00:26.934 --> 00:49.933\n那當然我們要提到保險法金民事大法庭在一百零八年的時候抬抗制第八九七號的民事裁定說明裡頭講得非常清楚保單作為那個強制執行的標的物造成實務民事執行處在執行上有很多困難的情形相關的作業流程塞車甚至有失\n\n00:50.893 --> 01:10.128\n書記官出走的這些問題為了解決實務上的一個執行問題也為了平衡債權人跟債務人的權利那在這一次我要非常感謝就是賴思寶召委還有黃珊珊委員那在所有財政委員會的所有的委員\n\n01:10.828 --> 01:27.515\n那大家同心協力那我們也盡力的召開公聽會要求金管會執行報告那也質詢了相關的一個議題並諮詢專家學者以後那我們去研擬符合債權人債務人並且符合\n\n01:28.155 --> 01:46.368\n學理的條文增添條文規定將傷害保險健康保險還有企業排除於強制執行的標的物之外並且規定保險企業的保單價值準備金沒有達到一定的水準以上一定不得強制執行\n\n01:47.068 --> 02:06.141\n原先儘管會凝聚的一個條文有造成不同地點不同水準差別待遇的一個問題也經由本席跟我們財政委員會的共同委員的共同努力那我們凝聚了修正條文在所有大家的一個努力之下我們去解決了\n\n","segments":[{"start":2.372,"end":25.393,"text":"主席各位同仁2025年6月3號立法院三讀通過保險法部分條文修正草案這一次的修法最令人興奮的亮點是大幅強化了保護在面對債務壓力的保障特別是針對保單遭強制執行的情況之下提供了更明確的一個華麗的保護"},{"start":26.934,"end":49.933,"text":"那當然我們要提到保險法金民事大法庭在一百零八年的時候抬抗制第八九七號的民事裁定說明裡頭講得非常清楚保單作為那個強制執行的標的物造成實務民事執行處在執行上有很多困難的情形相關的作業流程塞車甚至有失"},{"start":50.893,"end":70.128,"text":"書記官出走的這些問題為了解決實務上的一個執行問題也為了平衡債權人跟債務人的權利那在這一次我要非常感謝就是賴思寶召委還有黃珊珊委員那在所有財政委員會的所有的委員"},{"start":70.828,"end":87.515,"text":"那大家同心協力那我們也盡力的召開公聽會要求金管會執行報告那也質詢了相關的一個議題並諮詢專家學者以後那我們去研擬符合債權人債務人並且符合"},{"start":88.155,"end":106.368,"text":"學理的條文增添條文規定將傷害保險健康保險還有企業排除於強制執行的標的物之外並且規定保險企業的保單價值準備金沒有達到一定的水準以上一定不得強制執行"},{"start":107.068,"end":126.141,"text":"原先儘管會凝聚的一個條文有造成不同地點不同水準差別待遇的一個問題也經由本席跟我們財政委員會的共同委員的共同努力那我們凝聚了修正條文在所有大家的一個努力之下我們去解決了"}]}}},"gazette":{"lineno":71,"blocks":[["賴委員惠員：（11時24分）主席、各位同仁。2025年6月3號立法院三讀通過保險法部分條文修正草案，這一次的修法最令人興奮的亮點是，大幅強化了保戶在面對債務壓力的保障，特別是針對保單遭強制執行的情況之下，提供了更明確的法律保護。當然，我們要提到保險法在民事大法庭108年度台抗大字第897號裁定說明裡頭，講得非常清楚，保單作為強制執行的標的物，造成實務民事執行處在執行上有很多困難的情形，相關的作業流程塞車，甚至有書記官出走的這些問題。","為了解決實務上的執行問題，也為了平衡債權人跟債務人的權利，這一次我要非常感謝賴士葆召委，還有黃珊珊委員、所有財政委員會的委員，大家同心協力。我們也經歷召開公聽會，要求金管會進行報告，也質詢了相關的議題並諮詢專家學者以後，我們去研擬符合債權人、債務人並且符合學理的條文，增訂條文規定將傷害保險、健康保險還有契約排除於強制執行的標的物之外，並且規定保險契約的解約金債權沒有達到一定的水準以上，一定不得強制執行。原先金管會擬具的條文有造成不同地點、不同水準差別待遇的問題，也經由本席跟財政委員會委員的共同努力擬具了修正條文，在大家的努力之下，我們去解決了相關的問題，謝謝。"],["主席：謝謝賴惠員委員的發言。","接下來我們請羅廷瑋委員發言，李坤城委員請準備。"]],"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"}}}