Taiwan Life is committed to meeting the needs for our customers throughout the entire country, striving to develop insurance products and pursue innovation while offering more high-quality services. Our main product development activities are as follows:
● Protection for Older Customers
- Provide long-term care insurance to prepare for future care expenses in old age, continuously optimizing permanent long-term care health insurance. These products offer lifetime protection by combining long-term care coverage with protection against 13 specific injuries and illnesses.
- To strengthen health care safety for older people, Taiwan Life pioneered the industry by launching Yearly Dementia Life Insurance, which covers claims for mild dementia and offers dual protection through life insurance and dementia care.
- Continue to promote in-kind long-term care group insurance, creating comprehensive protection through insurance benefits and home care services.
In response to regulatory policies aimed at enhancing basic protection for citizens, the Company has launched small-amount whole life insurance products with low premiums, low underwriting thresholds, and no physical examination requirements. With multiple enrollment channels, these products effectively meet citizens' fundamental insurance protection needs.
● Health Promotion
Substandard Diabetes Term Health Insurance
Through a premium discount of up to 35% starting from the third year and health promotion rewards, policyholders are encouraged to actively prevent diabetes.
Policyholders are encouraged to maintain long-term blood sugar control and adopt healthy lifestyle habits. By regularly uploading their blood glucose values and meeting the discount threshold, they can enjoy an annual premium discount of up to 5% starting from the second policy year.
Through a premium discount of up to 35% starting from the third year and health promotion rewards, policyholders are encouraged to actively prevent diabetes.
Policyholders are encouraged to maintain long-term blood sugar control and adopt healthy lifestyle habits. By regularly uploading their blood glucose values and meeting the discount threshold, they can enjoy an annual premium discount of up to 5% starting from the second policy year.
PHD_Life Insurance with Cancer Protection and Permanent Health Insurance
Through the Benefit Reward for No Hospitalization Claims, policyholders are encouraged to maintain their health. Those who stay healthy and do not file any hospitalization claims become eligible for annual rewards.
Through the Benefit Reward for No Hospitalization Claims, policyholders are encouraged to maintain their health. Those who stay healthy and do not file any hospitalization claims become eligible for annual rewards.
- In 2024, the industry's first-of-its-kind Gu-Dong-Yi-Sheng Term Health was launched, providing exclusive musculoskeletal and neurosurgery protection along with an innovative spillover-effect mechanism for specific physical therapy, leading a new trend in health promotion. Renewal premiums can be reduced by up to 6% reduction, implementing the principle of preventive care.
- The An Hsin, I-Liao Permanent Health policy includes spillover-effect benefits such as health examinations, vaccinations, and cancer screening certifications. The coverage includes hospitalization, surgery, specific procedures, and specific medical materials, providing protection up to age 100 and completing the lifetime protection product line.
- In 2023, comprehensive long-term spillover-effect products were promoted with the launch of CIB7 Critical Illness Benefits 7 and Catastrophic Illness Card Benefits. These products combine coverage for seven major diseases, 22 specific catastrophic illnesses, major diseases (Type A), specific injuries and illnesses, and catastrophic injury cardholders with spillover insurance mechanisms. Providing protection until age 100, this policy helps build a lasting medical protection network for policyholders as they become older without worries.
- LTCC Permanent Long Term Care represents a new type of spillover-effect health management insurance product, combining long-term care benefits with step count targets and health examination requirements, offering renewal premium reductions of up to 6%. In 2023, we continued meeting long-term care needs, LTCE Permanent Long Term Care was launched, enhancing the diverse long-term care product line. In 2024, the LTCE Permanent Long Term Care won the New Insurance Product of the Year, Taiwan at the Insurance Asia Awards, Excellence Award in Best Product Creativity Award at the Faith, Hope & Love Awards of Insurance, and Best Product Category - Yushan Award at the National Brand Yushan Award.
- We launched the pioneering series of Yearly Dementia Life Insurance policies, combining three key stages of health management, namely walking, health examinations, and cancer screening. The policies feature step count targets, health examinations, vaccinations, or cancer screening certifications. The coverage includes dementia, cancer, major diseases, and hospitalization days. Renewal premiums can be reduced by up to 8%, with guaranteed renewability until age 85.