Page 26 - BLI-Brief Introduction

Brief Introduction
INSURE
Your Life
specified in Article 45, Paragraph 1 of the
National Health Insurance Act, the insured
person may request reimbursement for the
difference in amount from BLI after making
upfront payments for the expenses.
(2)Injury or Sickness Benefits
In the event of hospitalization or treatment for
occupational injury/disease and the insured
person is unable to acquire original salary/
wages, the insured person may apply for the
injury or sickness benefits from occupational
accident insurance starting from the fourth day
of work suspension until the day before the
reinstatement of work. For the first 60 days,
the insured person shall receive the benefits
according to the average daily insured salary for
the 6 months before the month of the accident
occurred. After 60 days to a maximum of 2
years, the insured person shall receive 70% of
the average daily insured salary.
(3)Permanent Disability Benefits
When the insured person suffers occupational
injury or disease, if the symptoms are fixed
following treatment, further treatment will not
improve the result of treatment. The person
is diagnosed with permanent disability by
a contracted hospital or clinic of national
health insurance, meeting the conditions for
permanent disability benefit under the labor
occupational accident insurance. He/she
may seek the lump-sum permanent disability
benefits based on the prescribed benefit
standards.
1. Lump-Sum Permanent Disability Benefits
The benefit shall be calculated according to
the average monthly insurance salary for the
last 6 months before the month of the day
of the insured person being diagnosed as
permanently disabled. The first level is the
24
highest level with 1,800 days of benefits; the
lowest level is the fifteenth level with 45 days
of benefits.
2. Permanent Disability Pension
When the level of permanent disability of
the insured person meets the conditions of
full permanent disability, serious permanent
disability or partial permanent disability,
permanent disability pension may be
claimed. Issuance based on 70%、50%、
20% of the average monthly insurance
salary for the last 6 months before the
month of the day of the insured person
being diagnosed as permanently disabled.
For those who claim for disability pension
and have a spouse or children who comply
with the qualification of additional family
allowances, an extra 10% additional family
allowances on the amount calculated in
accordance with the permanent disability
pension standards should be issued for each
person with the maximum of 20% extra.
※Payment Standards:
(1) Full permanent disability:
A. Workers who meet the requirements of
the disability item listed in the first or
second disability level of the appendix
table of Article 3 of the Labor Insurance
Disability Benefit Payment Standards,
and have been listed as permanently
unable to work.
B. The benefit shall be calculated as 70%
of the average monthly insured salary
for the last 6 months before the month
of the day of the insured person being
diagnosed as permanently disabled.
(2) Serious permanent disability:
A. Workers who meet one of the following
criteria:
(A) Someone who meets the requirements