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還是我們台灣的政治因素我覺得這個也是背後主委我們包括我們財政部 金管會 經濟部都要仔細思考的我知道委員關心這件事情但是我覺得大家就單看這個表面的時候沒有去深究每個個案的背後那會產生一個誤解認為台灣的經營狀況惡化其實就以這個個案而言根本不是這個樣子"},{"start":317.878,"end":340.703,"text":"我想主要是國際的公司在全球佈局的時候有他自己的策略如果各位有關注一下很多國際的公司在亞洲做這個調整不是在台灣我想這個是他們在只是我們看這個個案會有這個想法其實就以我們主委我剛剛不是只有討論這個個案因為近三年撤離台灣的還有包括瑞士信貸銀行等等沒關係主委我只是提醒你這件事情我覺得身為政務官"},{"start":341.423,"end":368.024,"text":"我們要去思考台灣的投資環境是不是發生了什麼樣的變化因為我們一直講說我們想辦法追上新加坡這也是你提了好幾次我也期望我們是這樣我也期待我們在這邊監督質詢我們的期待就是如此所以主委背後的政治因素投資環境到底發生了什麼事情這是我要提醒主委我們要思考的地方當然每一個投資他沒有賺錢他當然就走因為這是自由市場嘛"},{"start":368.965,"end":388.821,"text":"我們是資本自由市場他們要在哪裡走但是我們要思考他為什麼賺不到錢那為什麼沒有足夠的過去他可以重回台灣25年那前10年他一定有看到願景那為什麼現在沒有所以這個東京變化到底發生了什麼事情我覺得要去做分析"},{"start":389.582,"end":408.753,"text":"我是說剛好有這個機會可以跟您說明我覺得說大家看這個個案我們當然很關注說是不是台灣投資情況惡化我答案可以說不是非常的明確只是說他二十幾年比如說這個集團在台灣過去投資有四家公司非常多有他自己的經營模式後來他自己做一個改變其實我覺得這個我們都尊重但是你要確保我們台灣的客戶跟員工的權益"},{"start":412.675,"end":439.576,"text":"這個是最基本這個我相信你會做得到這個是勢必這是最基本的要求我只是今天透過這個質詢我今天有三個題目我只是點醒就是說背後的政治因素環境因素我們想辦法要國際的投資客都進來台灣投資是不是發生了什麼變化這是我要提醒的地方因為這個不是只有你因為這個橫跨經濟部各方面但是我覺得身為執政黨這個部分就要去注意這是我第一個問題第二個問題喔"},{"start":441.517,"end":458.925,"text":"4月1號剛上路的那個旅遊不變心智的保險這剛上路沒多久但是我覺得心智上當背後它有它一定的意義跟你們做過思考但我覺得還有幾點我要提醒就是沒有思考到"},{"start":460.086,"end":475.661,"text":"我們現在無論是訂了幾副或累積幾副的部分我們都有一個上限譬如說累積幾副的部分就是說我們現在就要求說只能最多買兩張保單然後累積幾副的部分就是延誤四小時可以賠六千塊滿八小時賠一萬兩千塊那最高理賠只有兩萬四千塊"},{"start":482.407,"end":500.399,"text":"這跟過去不同的是過去可以各單項就是時之時復我保班機延誤險我保如果班機延誤的話後面旅館什麼跟著陪我就可以指定哪幾項但是後來我們新制做這樣的調整是因為我覺得旅遊過程當中有很多"},{"start":501.32,"end":529.998,"text":"沒有去思考到的就是一個班機延誤他可能衍生很多不同的費用包括膳食費住宿費還有包括現在機票改票費非常的貴因為現在機票因為油價的關係整個都上漲那但是理賠金額最多只有兩萬四是不是合理因為有經濟艙有豪金艙有商務艙我如果願意保比較高的保費"},{"start":530.999,"end":557.497,"text":"那但是我的禮賠可以多一點因為後面可能一個班機延誤我可能後面轉成整個每一家飯店還有交通他都不會他都不會賠嘛所以相對的有一些旅客我想保高一點因為我這一趟旅程可能就非常貴光是機票可能就十七十八萬包括飯店二三十萬我願意負擔比較高的保費但你現在你最高禮牌就只有兩萬四"},{"start":559.258,"end":575.899,"text":"所以我要提醒的是因為我今天時間不夠所以我覺得現在沒有去做這樣子就是說整套的思考我們就只有要求說我們現在最高理賠就兩萬四然後而且要從不同兩家去買保單"},{"start":577.113,"end":604.992,"text":"我覺得這個並不是辨明的措施就補充兩句話第一個就是說這是針對費用保險定額給付不論你實際損失是多少的方法我們還有十之十複就是說你真的有其他的保單可以來做選擇我只是說這個東西市場上已經提出非常多的質疑說有人因為這樣而去等於說違反了保險最基本的損害填補這是個費用保險"},{"start":606.333,"end":623.32,"text":"我知道 但是你們這樣損害填補原則 損害填補原則 損害填補原則去做思考但是 你看兩萬四 但是如果是一個商務旅遊如果你有這個需求 你可以購買其他可以填補你損失的一些險種"},{"start":624.491,"end":643.278,"text":"但是我覺得你們在這個心智當中沒有去做更完整的思考包括我剛才講那個我覺得應該去思考變成說要跟兩家來買然後另外時知時負我還要再買我變成要跟三家買所以我覺得這個旅遊上限是不是合理沒有去思考到遠距或其實在我們評估的時候這些都有評估過啦就是因為"},{"start":646.579,"end":662.572,"text":"很多那個極端或是特殊的個案那跟整個社會成本來做相比的時候保安局跟我建議的時候我有跟委員一樣相同的問題後來他把整個數字告訴我以後我覺得說先暫時應該朝這個方向來走我覺得因為4月1號才剛要上路齁我覺得有機會你們多辦幾場公聽會聽聽各界的聲音還有比如說有一些商務客他的費用就是很高"},{"start":673.382,"end":680.937,"text":"我們就是朝向更好的制度我們一定都可以來我覺得有一段時間上路之後也應該有一段調整是好不好謝謝主委謝謝"}],"gazette":[{"speaker":"李委員彥秀","start":"2026-03-18T09:23:16+08:00","guessed":true,"end":"2026-03-18T09:23:17+08:00","text":"謝謝召委。","quality":0},{"speaker":"李委員彥秀","start":"2026-03-18T09:23:16.009000+08:00","guessed":false,"end":"2026-03-18T09:23:16.089000+08:00","text":"我可不可以請金管會彭主委？","quality":0.583},{"speaker":"主席","start":"2026-03-18T09:23:16.129000+08:00","guessed":false,"end":"2026-03-18T09:23:16.489000+08:00","text":"請金管會彭主委。","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:23:32.141000+08:00","guessed":false,"end":"2026-03-18T09:23:32.321000+08:00","text":"委員早安。","quality":0.75},{"speaker":"李委員彥秀","start":"2026-03-18T09:23:33.102000+08:00","guessed":false,"end":"2026-03-18T09:23:33.462000+08:00","text":"主委早安。","quality":0.75},{"speaker":"李委員彥秀","start":"2026-03-18T09:23:33.662000+08:00","guessed":false,"end":"2026-03-18T09:24:22.270000+08:00","text":"我昨天特別關注到一則跟我們金管會相關的新聞，就是法國巴黎產險結束將近四分之一個世紀在臺灣的經營，業務要撤離臺灣，法巴這家產險公司雖然市占率只有0.05%，員工也不多，只有32人，看起來無論是對保戶也好，相關保單的權益，包括員工的權益，我相信我們金管會後續應該都會有一套完整的機制去做輔導，但是我今天要問的是，我們都知道我們一直希望國際化多角經營，讓更多國際公司在臺灣。","quality":0.97},{"speaker":"李委員彥秀","start":"2026-03-18T09:24:22.270000+08:00","guessed":false,"end":"2026-03-18T09:24:42.465000+08:00","text":"不只如此，我昨天還特別看到新聞是包括港商法國興業還有瑞士信貸銀行臺北證券分公司兩家券商，還有保德信投信近3年都會有可能撤離臺灣，這個背後代表的意義是我今天要跟主委溝通討論的。","quality":0.915},{"speaker":"李委員彥秀","start":"2026-03-18T09:24:43.566000+08:00","guessed":false,"end":"2026-03-18T09:25:02.917000+08:00","text":"雖然保戶不多，4.8萬人、保單4.8萬張、員工32人，但是到底它背後……過去3年它還有投資將近5億，所以不是它不肯投入，也不是過去長期沒有賺錢，要不然它不會在臺灣已經做了25年。","quality":0.899},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:04.538000+08:00","guessed":false,"end":"2026-03-18T09:25:05.619000+08:00","text":"到底是什麼因素？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:07.439000+08:00","guessed":false,"end":"2026-03-18T09:25:09.940000+08:00","text":"是因為臺灣的政治環境嗎？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:09.940000+08:00","guessed":false,"end":"2026-03-18T09:25:13.720000+08:00","text":"還是因為在臺灣近幾年不賺錢？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:13.720000+08:00","guessed":false,"end":"2026-03-18T09:25:16.701000+08:00","text":"還是現在臺灣面臨很多產業轉型？","quality":0.857},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:18.161000+08:00","guessed":false,"end":"2026-03-18T09:25:29.964000+08:00","text":"過去臺灣早期六、七零年代是中小企業，近幾年我們看到很多產業都開始變成大者恆大，小的就經營不下去，臺灣很多產業現在有這樣子的狀況。","quality":0.983},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:32.444000+08:00","guessed":false,"end":"2026-03-18T09:25:35.885000+08:00","text":"主委，背後的意義到底是什麼？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:35.885000+08:00","guessed":false,"end":"2026-03-18T09:25:36.766000+08:00","text":"你有沒有去研究？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:25:37.226000+08:00","guessed":false,"end":"2026-03-18T09:26:01.133000+08:00","text":"我們通常在講我們希望臺灣變成國際化亞太的金融投資中心等等，外國人多一點，通常外國人多一點進來都很習慣去找自己熟悉的保險業，譬如我們到國外去投資，我們通常喜歡找富邦、喜歡找新光，就是他們自己熟悉的來去互動，所以背後的原因到底是什麼？","quality":0.972},{"speaker":"李委員彥秀","start":"2026-03-18T09:26:01.133000+08:00","guessed":false,"end":"2026-03-18T09:26:03.694000+08:00","text":"主委，你有沒有去思考過？","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:26:03.694000+08:00","guessed":false,"end":"2026-03-18T09:26:27.718000+08:00","text":"謝謝委員關注這議題，委員知道過去我在保險市場應該將近快三十幾年、四十年的時間，我歷經了所有臺灣保險市場大開放以及開始大轉型的整個過程，我想這個案子其實如果真的要深究起來的話，一個非常非常底層的問題就是，對一個保險市場而言，它的國際化本來就是非常困難的……","quality":0.958},{"speaker":"李委員彥秀","start":"2026-03-18T09:26:29.388000+08:00","guessed":false,"end":"2026-03-18T09:26:30.929000+08:00","text":"對不起，國際化怎麼樣？","quality":0.667},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:26:30.929000+08:00","guessed":false,"end":"2026-03-18T09:26:43.913000+08:00","text":"國際化本來就有困難，因為我們從過去的學術研究就發現，其實各個市場都傾向於跟本國的保險業者來購買，所以一個外國保險公司如果要到另外一個國家拓展業務本來就是一個很大的挑戰。","quality":0.975},{"speaker":"李委員彥秀","start":"2026-03-18T09:26:43.913000+08:00","guessed":false,"end":"2026-03-18T09:26:45.173000+08:00","text":"主委，你這樣的回答……","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:26:45.633000+08:00","guessed":false,"end":"2026-03-18T09:27:09.648000+08:00","text":"等一下，我先把它講完，但是假設臺灣是在一個剛發展中的國家，外資有絕對的優勢，所以很多國家在剛發展的時候，外資確實可以占有一席之地，所以我們可以看得到在臺灣開放的早期，外資確實在這邊扮演非常非常重要的角色，而且是帶動整個產業的發展，但隨著本地這些市場開始成長以後，這是非常現實的問題，是競爭力的問題，還有他們策略的問題。我想……","quality":0.966},{"speaker":"李委員彥秀","start":"2026-03-18T09:27:13.250000+08:00","guessed":false,"end":"2026-03-18T09:27:24.813000+08:00","text":"我當然同意主委剛剛講的競爭力問題，但是我們都希望臺灣亞太金融投資中心有更多國際的錢投資在臺灣。","quality":0.978},{"speaker":"李委員彥秀","start":"2026-03-18T09:27:24.813000+08:00","guessed":false,"end":"2026-03-18T09:27:31.755000+08:00","text":"你剛剛說大家都習慣把錢放在自己熟悉相關的業務及自己本國的業者……","quality":0.967},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:27:31.755000+08:00","guessed":true,"end":"2026-03-18T09:27:33.477000+08:00","text":"這是一個國際上、我們學術研究上看到的情況……","quality":0},{"speaker":"李委員彥秀","start":"2026-03-18T09:27:33.477000+08:00","guessed":false,"end":"2026-03-18T09:27:43.369000+08:00","text":"我們來討論新加坡好了，新加坡就有多少外資銀行、壽險業者在新加坡，所以你這樣的說法，我並不是十分認同。","quality":0.978},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:27:43.950000+08:00","guessed":false,"end":"2026-03-18T09:27:49.256000+08:00","text":"我只是說就以這個個案而言，其實每個個案進入臺灣都是一個審慎的思考……","quality":0.871},{"speaker":"李委員彥秀","start":"2026-03-18T09:27:50.057000+08:00","guessed":false,"end":"2026-03-18T09:27:55.723000+08:00","text":"主委，我不討論個案，我只是要跟您探討背後的趨勢到底發生了什麼事？其實……","quality":0.935},{"speaker":"李委員彥秀","start":"2026-03-18T09:27:56.824000+08:00","guessed":false,"end":"2026-03-18T09:27:57.605000+08:00","text":"為什麼？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:27:57.605000+08:00","guessed":false,"end":"2026-03-18T09:28:07.395000+08:00","text":"是不是因為未來中長期外資投資臺灣少了，它看不到……即便過去投資了3億，過去3年還是5年，它又投資3億……","quality":0.927},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:28:07.395000+08:00","guessed":false,"end":"2026-03-18T09:28:07.415000+08:00","text":"其實外資會用……","quality":0.333},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:07.415000+08:00","guessed":false,"end":"2026-03-18T09:28:07.816000+08:00","text":"是不是看不到未來的期望？","quality":0.727},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:11.359000+08:00","guessed":false,"end":"2026-03-18T09:28:14.282000+08:00","text":"是賺不到錢，還是臺灣的政治因素？","quality":0.929},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:14.782000+08:00","guessed":false,"end":"2026-03-18T09:28:15.723000+08:00","text":"我覺得這個也是背後……","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:28:15.723000+08:00","guessed":true,"end":"2026-03-18T09:28:16.723000+08:00","text":"其實我想……","quality":0},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:16.343000+08:00","guessed":false,"end":"2026-03-18T09:28:19.206000+08:00","text":"主委，包括我們財政部、金管會、經濟部都要重新思考……","quality":0.905},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:28:20.086000+08:00","guessed":false,"end":"2026-03-18T09:28:29.614000+08:00","text":"我知道，我也知道委員關心這件事情，但是我覺得，大家單看表面而沒有去深究每個個案的背後，會產生一個誤解，認為臺灣的經營狀況惡化。","quality":0.912},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:28:30.195000+08:00","guessed":false,"end":"2026-03-18T09:28:36.919000+08:00","text":"其實就以這個個案而言，根本不是這個樣子，主要是國際的公司在全球布局的時候有它自己的策略。","quality":0.951},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:28:37.419000+08:00","guessed":false,"end":"2026-03-18T09:28:46.721000+08:00","text":"如果各位有關注一下，很多國際公司在亞洲做這個調整，不是在臺灣，我想這個是他們在……只是我們看這個個案會有這個想法，其實就以我們……","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:46.721000+08:00","guessed":false,"end":"2026-03-18T09:28:52.602000+08:00","text":"主委，我剛剛不是只有討論這個個案，因為近3年撤離臺灣的還有包括瑞士信貸銀行等等。","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:53.042000+08:00","guessed":false,"end":"2026-03-18T09:28:55.163000+08:00","text":"沒關係，主委，我只是提醒你這件事情……","quality":1},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:28:55.163000+08:00","guessed":true,"end":"2026-03-18T09:28:56.163000+08:00","text":"我知道您關心這個市場……","quality":0.1},{"speaker":"李委員彥秀","start":"2026-03-18T09:28:55.723000+08:00","guessed":false,"end":"2026-03-18T09:29:01.566000+08:00","text":"我覺得身為政務官，我們要去思考臺灣的投資環境是不是發生了什麼樣的變化？","quality":0.97},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:02.227000+08:00","guessed":false,"end":"2026-03-18T09:29:11.094000+08:00","text":"我們一直講我們想辦法追上新加坡，這也是你提了好幾次，我也期望我們是這樣，我們在這邊監督質詢，我們的期待就是如此。","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:11.614000+08:00","guessed":false,"end":"2026-03-18T09:29:17.119000+08:00","text":"所以主委，背後的政治因素、投資環境到底發生了什麼事情？","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:17.819000+08:00","guessed":false,"end":"2026-03-18T09:29:19.901000+08:00","text":"我要提醒主委這是我們要思考的地方。","quality":0.875},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:20.481000+08:00","guessed":false,"end":"2026-03-18T09:29:26.106000+08:00","text":"當然每一個投資沒有賺錢，它當然就走，因為這是自由市場，我們是資本自由市場……","quality":0.97},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:29:26.106000+08:00","guessed":true,"end":"2026-03-18T09:29:27.106000+08:00","text":"是，其實我們……","quality":0.2},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:27.106000+08:00","guessed":true,"end":"2026-03-18T09:29:28.106000+08:00","text":"它沒有賺錢就會走……確實。","quality":0.1},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:27.587000+08:00","guessed":false,"end":"2026-03-18T09:29:31.230000+08:00","text":"但是我們要思考，它為什麼賺不到錢？","quality":0.933},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:31.571000+08:00","guessed":false,"end":"2026-03-18T09:29:39.497000+08:00","text":"為什麼沒有足夠的……過去它可以存活在臺灣25年，前10年它一定有看到願景，為什麼現在沒有？","quality":0.861},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:39.877000+08:00","guessed":false,"end":"2026-03-18T09:29:42.520000+08:00","text":"所以這個中間變化到底發生了什麼事情？","quality":0.882},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:29:42.520000+08:00","guessed":true,"end":"2026-03-18T09:29:43.520000+08:00","text":"對，這個我們當然清楚……","quality":0},{"speaker":"李委員彥秀","start":"2026-03-18T09:29:43.320000+08:00","guessed":false,"end":"2026-03-18T09:29:44.801000+08:00","text":"所以我覺得要去分析。","quality":0.778},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:29:45.582000+08:00","guessed":false,"end":"2026-03-18T09:29:51.786000+08:00","text":"我只是說剛好有這個機會可以跟您說明，我覺得大家看這個個案，我們當然很關注是不是臺灣投資情況惡化？","quality":0.978},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:29:52.046000+08:00","guessed":false,"end":"2026-03-18T09:30:04.733000+08:00","text":"我的答案可以說不是，非常的明確，只是這個集團過去在臺灣二十幾年投資四家公司，有它自己的經營模式，後來它自己做一個改變，這個我們都尊重，但是要確保臺灣的客戶和員工的權益，我想……","quality":0.81},{"speaker":"李委員彥秀","start":"2026-03-18T09:30:09.656000+08:00","guessed":false,"end":"2026-03-18T09:30:27.209000+08:00","text":"我相信這個你會做得到，這是最基本的要求，我只是透過今天這個質詢……我今天有三個題目，我只是點醒背後的政治因素、環境因素，我們想辦法要國際的投資客都進來臺灣投資，是不是發生了什麼變化？","quality":0.951},{"speaker":"李委員彥秀","start":"2026-03-18T09:30:27.570000+08:00","guessed":false,"end":"2026-03-18T09:30:35.436000+08:00","text":"這是我要提醒的地方，這不是只有金管會的問題，因為這橫跨經濟部各方面，但是我覺得身為執政黨，這個部分就要去注意，這是我第一個問題。","quality":0.897},{"speaker":"李委員彥秀","start":"2026-03-18T09:30:35.436000+08:00","guessed":false,"end":"2026-03-18T09:30:54.905000+08:00","text":"第二個問題是關於4月1號要上路的旅遊不便新制保險，新制當然背後有它一定的意義，你們當然也做過思考，但我覺得還有幾點我要提醒，就是你們沒有思考到的地方。","quality":0.735},{"speaker":"李委員彥秀","start":"2026-03-18T09:30:56.286000+08:00","guessed":false,"end":"2026-03-18T09:31:11.661000+08:00","text":"現在無論是定額給付或累積給付的部分，我們都有一個上限，譬如累積給付的部分，我們現在就要求最多只能買兩張保單，然後累積給付的部分就是延誤4小時可以賠6,000塊，滿8小時賠1萬2,000塊，最高理賠只有2萬4,000塊。","quality":0.826},{"speaker":"李委員彥秀","start":"2026-03-18T09:31:18.407000+08:00","guessed":false,"end":"2026-03-18T09:31:57.453000+08:00","text":"這跟過去不同的是，過去可以各單項實支實付，例如我保班機延誤險，如果班機延誤的話，後面旅館等等都跟著賠，我就可以指定哪幾項，但是後來我們新制做這樣的調整，我覺得旅遊過程當中有很多沒有思考到的，就是一個班機延誤可能衍生很多不同的費用，包括膳食費、住宿費，還有包括現在機票改票費非常的貴，因為油價的關係，機票整個都上漲，在這種情況下，理賠金額最多只有2萬4,000塊是不是合理？","quality":0.879},{"speaker":"李委員彥秀","start":"2026-03-18T09:31:57.693000+08:00","guessed":false,"end":"2026-03-18T09:32:33.477000+08:00","text":"因為有經濟艙、豪經艙、商務艙，我如果願意保比較高的保費，那麼我的理賠可以多領，因為一個班機延誤，可能後面的轉乘、每一家飯店和交通都不會賠，所以相對的有一些旅客想要保高一點，因為某一趟旅程可能就非常貴，光是機票可能就17、18萬，包括飯店二、三十萬，我願意負擔比較高的保費，但現在最高理賠就只有2萬4,000塊。","quality":0.9},{"speaker":"李委員彥秀","start":"2026-03-18T09:32:37.060000+08:00","guessed":false,"end":"2026-03-18T09:32:55.415000+08:00","text":"雖然我今天時間不夠，但是我要提醒現在沒有去做這樣子的整套思考，我們就只有要求現在最高理賠就是2萬4,000塊，而且要從不同的兩家去買保單，我覺得這並不是便民的措施。","quality":0.806},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:32:56.095000+08:00","guessed":false,"end":"2026-03-18T09:33:05.622000+08:00","text":"我補充兩句話，第一個，這是針對費用保險定額給付，不論你實際損失是多少。","quality":0.968},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:33:06.262000+08:00","guessed":false,"end":"2026-03-18T09:33:09.584000+08:00","text":"我們還有實質支付，就是你真的有其他的保單可以做選擇。","quality":0.833},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:33:10.685000+08:00","guessed":false,"end":"2026-03-18T09:33:20.992000+08:00","text":"這個東西在市場上大家已經提出非常多的質疑，有人因為這樣而違反了保險最基本的損害填補，這是一個費用保險，所以……","quality":0.88},{"speaker":"李委員彥秀","start":"2026-03-18T09:33:22.333000+08:00","guessed":false,"end":"2026-03-18T09:33:35.718000+08:00","text":"我知道，現在你們用損害填補原則去思考，但是你看只有2萬4,000，如果是一個商務旅遊……","quality":0.824},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:33:35.718000+08:00","guessed":false,"end":"2026-03-18T09:33:39.320000+08:00","text":"如果你有這個需求，你可以購買其他可以填補你損失的一些險種。","quality":1},{"speaker":"李委員彥秀","start":"2026-03-18T09:33:42.012000+08:00","guessed":false,"end":"2026-03-18T09:33:58.117000+08:00","text":"我覺得你們在這個新制當中沒有去做更完整的思考，包括我剛才講的那個，我覺得應該去思考，變成要跟兩家來買，然後實支實付我另外還要再買，我變成要跟三家買，所以我覺得這個旅遊上限是不是合理，你們有沒有思考到遠距或機票費用比較高……","quality":0.824},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:33:58.638000+08:00","guessed":false,"end":"2026-03-18T09:34:16.331000+08:00","text":"其實在我們評估的時候，這些都有評估過，就是因為很多極端或是特殊的個案跟整個社會成本相比的時候……保險局跟我建議的時候，我也跟委員有相同的問題，後來他把整個數字告訴我以後，我覺得現在暫時應該朝這個方向來走。","quality":0.947},{"speaker":"李委員彥秀","start":"2026-03-18T09:34:16.651000+08:00","guessed":false,"end":"2026-03-18T09:34:18.552000+08:00","text":"因為4月1號才剛上路，我覺得有機會你們要多辦幾場公聽會，聽聽各界的聲音，還有譬如有一些商務客的費用就是很高，我也有聽到這樣的陳情，因為……","quality":0.767},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:34:29.382000+08:00","guessed":false,"end":"2026-03-18T09:34:32.869000+08:00","text":"這沒問題，我們就是朝向更好的制度，我們一定都可以來……","quality":0.826},{"speaker":"李委員彥秀","start":"2026-03-18T09:34:32.869000+08:00","guessed":false,"end":"2026-03-18T09:34:36.657000+08:00","text":"我覺得上路一段時間之後，也應該有一段調整期，好不好？","quality":0.87},{"speaker":"彭主任委員金隆","start":"2026-03-18T09:34:36.657000+08:00","guessed":true,"end":"2026-03-18T09:34:37.657000+08:00","text":"當然、當然。","quality":0},{"speaker":"李委員彥秀","start":"2026-03-18T09:34:36.797000+08:00","guessed":false,"end":"2026-03-18T09:34:36.937000+08:00","text":"謝謝主委。謝謝。","quality":1},{"speaker":"主席","start":"2026-03-18T09:34:37.437000+08:00","guessed":true,"end":"2026-03-18T09:34:39.437000+08:00","text":"謝謝李彥秀委員。","quality":0},{"speaker":"主席","start":"2026-03-18T09:34:39.737000+08:00","guessed":true,"end":"2026-03-18T09:34:42.879857+08:00","text":"接下來請賴士葆委員質詢。","quality":0}]}},"supported_relations":[],"relations":[]}