Where an insurance accident occurs after the effectiveness of insurance has begun and has not expired yet, the insured person, the beneficiary, or the person paying the funeral expenses may claim the insurance payment according to the provisions of this Act.

Where an insured person must be hospitalized continuously for diagnosis and treatment after the effectiveness of insurance terminates due to an injury or disease occurred in the effective term, he may enjoy this kind of insurance payment within one year, and shall leave the hospital immediately after it is deemed by a medical institution established or designated by the insurer that it is time the insured person should leave the hospital for recuperation.

An insured person may not repeatedly claim insurance payment for a same accident.

Where an insured unit adds this Insurance and receive the insurance payment for a person who doesn't meet the provisions of this Act, the insurer shall replevy the payment in accordance with law, and cancel the qualification of the insured person.

In any of the following occasion, an insured person may not enjoy the insurance payment:
1.The insurance accident is caused by war, turmoil, or intended crime committed by the insured person.
2.The insured person refuses to be examined by the medical institution established or designated by the insurer without due reasons, or doesn't submit the required certificates; or the beneficiary doesn't submit the required certificates.
3.Legal epidemic, leprosy, stupefacient addiction, beautification surgery, installation of artificial tooth, artificial eye, glasses, or other auxiliary appliances, transportation of patients, special nursing, blood transfusion for non-emergent injury or disease deemed by physician as necessary, registration fee, certification fee, and medical expenses for using equipment that the medical institution doesn't have.

For the necessity of auditing the insurance payment or reviewing disputes regarding the Insurance, an insured person or the Farmer Health Insurance Supervisory Commission may investigate the Insurance-related documents about the insured person in the insured establishment, the designated medical institution, or other related departments.

The rights of an insured person, a beneficiary, or a person paying the funeral expenses to receive various insurance payments may not be transferred, countervailed, detained, or used for guarantee.
In cases where the insurer revokes or terminates approval of the insurance payment, and where the already collected insurance payment shall be returned but has not been returned, the insurer may deduct the funds from the insurance payment that is claimed by the party collecting the insurance payment.

The right of claim for insurance payment shall be eliminated if it is not exercised within two years commencing from the day when the claim becomes effective.
The time limit for the period of effectiveness of the right of claim for insurance payment that has already begun prior to the coming into effect of the amendment to this Article of December 7, 2021, and which has not been completed as of the day of the coming into effect of the amendment, shall, starting from the day of its coming into effect, apply the amended provisions, with the period of effectiveness calculated by combining the periods of effectiveness before and after the coming into effect of the amendment.