Article 7
Non-ROC citizens are not eligible to be insured.
If the insured is a minor under 15 years of age when a simple life insurance contract (hereinafter called insurance contract) is entered into, with the exception of health insurance, the death benefits shall go into effect on the minor’s 15th birthday. If the insured dies before he or she turns 15, the insurer shall refund all premiums paid with interest.
The calculation of interest payments mentioned in the preceding paragraph shall be set forth by the FSC.
If any of the provisions from Paragraph 2 to Paragraph 3 is found to contradict applicable laws, then the applicable laws shall prevail.


Article 7-1
When a simple life insurance contract is entered into, if the insured is subject to the declaration of guardianship and such declaration has not yet been revoked, then all death benefits, with the exception of funeral expenses, shall be deemed null and void. This voiding of benefits does not apply to health insurance.
The insured amount for the funeral expenses mentioned in the preceding paragraph may not exceed one half of the funeral expense deduction allowed under Article 17 of the Estate and Gift Tax Act.
If any of the provisions from Paragraph 1 to Paragraph 2 is found to contradict applicable laws, then the applicable laws shall prevail.

Article 20
In the event that any of the following circumstances occur with regard to an insurance contract, the insurer shall, other than following the provisions under Article 21 hereof, not be held liable for any claims:
1. The insured intentionally commits suicide within one year from the date of commencement or from the date of reinstatement of the insurance contract.
2. The applicant intentionally causes the death of the insured.
3. The insured is executed for crimes committed or dies when resisting arrest or breaking out of jail.
4. The death of the insured is caused by war or other breakdown of public order.
5. Illness, disability, miscarriage or death resultant from intentional suicide, suicide attempt or abortion by an insured in the case of a health insurance policy; as well as injuries, disability or death resultant from intentional suicide, suicide attempt or from crimes committed by an insured in the case of an accident insurance policy.

Article 37
If Chunghwa Post is found to be remiss in any of the following ways, a fine of NT$300,000 to NT$1,500,000 shall be levied. In addition, the underwriters or actuaries involved may be replaced.
1. Violation of paragraph 1 of Article 5, Article 7, Article 7-1, Paragraph 2 of Article 8, Article 9, Paragraph 1 of Article 13, the proviso stated in Paragraph 1 of Article 17, and Articles 26 and 28 hereof.
2. Violation of rules regarding deposit of the reserve or its calculation as stipulated under the Regulations Governing Enrollment in Postal Simple Life Insurance Policies, which are formulated in accordance with Article 42 hereof.
3. Violation of Article 31 hereof concerning rules of compulsory enforcement or prohibition.