高級中等以下學校學生及教保服務機構幼兒團體保險條例

AI-assisted research summary: This provision says the statute is enacted to protect students and young children in early secondary education and below, and to reduce families’ financial burden from accidents and disease.

AI-assisted research summary: 保險費由主管機關補助三分之一；被保險人或法定代理人每年分兩次在註冊或其他指定程序時繳納。未具學籍的交換學生可以選擇參加，但保險費要全額自付。

AI-assisted research summary: 符合本條條件的被保險人，由要保單位審核證明文件、造冊送保險人彙計，再報主管機關給予全額保險費補助，且不受前條第一項限制。

AI-assisted research summary: 本保險通常每次期間為一年，原則上要配合學年起訖；應屆畢業生可延長到8月31日。相關效力起訖、身分變動銜接及要保單位應辦事項，由中央主管機關訂定辦法。

AI-assisted research summary: 保險人原則上要在保險金額範圍內，對因疾病或意外事故而死亡、失能、受傷或需要治療的被保險人給付保險；但一定年齡以上者，只限因意外事故所致。

AI-assisted research summary: This provision lists the insurance benefits covered: death, medical, disability, living support, and collective poisoning benefits.

AI-assisted research summary: 符合條件的被保險人，可以在事故發生日起一年內，向保險人檢具醫療費用收據，專案申請補助手術費用。

AI-assisted research summary: This provision excludes benefit payments for losses caused by certain acts or events, and a beneficiary loses the benefit right if their intentional or criminal conduct causes the insured’s death.

AI-assisted research summary: This provision lists medical and related expenses that are not covered by the insurance benefit, with several specific exceptions.

AI-assisted research summary: 保險請求權自可請求之日起二年內不行使就會消滅；受益人領取保險給付的權利不得轉讓、抵銷、扣押或作為擔保。

AI-assisted research summary: 保險人辦理本保險業務時，應分開記帳並明確區隔相關收入與支出，並依主管機關要求在本保險生效後按指定格式與時間提交資料，且不得拒絕、規避或妨礙提供相關資料。

AI-assisted research summary: This provision says the group insurance for students in upper secondary and below, and children in preschool service institutions, is governed by this statute; anything not covered by this statute follows the Insurance Act.

AI-assisted research summary: 中央主管機關應設置本保險專戶；保險人若有結餘，須在辦理結束後二個月內繳入專戶，若有不足則依序由專戶及中央主管機關預算填補，保險人不負盈虧責任。

AI-assisted research summary: 保險爭議原則上要依主管機關規定先行調處；調處成立後要作成調處書，並可在一定期間內送法院核可。

AI-assisted research summary: 本條例的施行日期由行政院決定。

AI-assisted research summary: This provision defines which authority counts as the competent authority: the Ministry of Education at the central level, the municipal government in a special municipality, and the county/city government in a county or city.

AI-assisted research summary: This provision defines key terms used in the statute, including school, student, child-care service institution, insured person, policy unit, insurer, and beneficiary.

AI-assisted research summary: 主管機關得視需要，以招標或與公營保險公司締約的方式辦理本保險；中央主管機關也得會商地方主管機關共同辦理。

AI-assisted research summary: 保險人要依本條例及契約約定辦理本保險；相關帳冊、單據及收支免課營業稅與印花稅；相關辦法由中央主管機關訂定。

AI-assisted research summary: Students and young children must participate in this insurance as insured persons.

AI-assisted research summary: 中央主管機關負責訂定本保險的保險費，並應設置保險費審議會；審議通過後，相關事項要送中央主管機關公告。

AI-assisted research summary: 保險人要按前條金額收取保險費，並把保費收取、理賠等事項納入內部控制及稽核制度；要保單位要代收保險費並繳送保險人或其指定機構。