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順律顧問_2022年05月份國會動態報告

執行摘要

財政委員會持續聚焦防疫保單爭議。回應多位委員的關切,金管會主委黃天牧表示,只要保險公司已承保且符合條款,無論保戶買幾張,保險公司都有責任理賠。此外,財委會於5月25日通過與防疫險有關的7項臨時提案,其中包括金管會應要求評議中心及保險公司於6月底前統計並公開防疫保單客訴件數,作為將來審查保單商品的依據。評估未來防疫保單理賠情形,以及其對產險業者的影響、如何確保其他險種保戶權益等議題,仍會是關注重點。

經濟部長王美花5月23日就「餐飲業者行銷補助及紓困特別預算延長一年」至經濟委員會報告,王部長表示餐飲業者只需提出優惠促銷方案,經濟部就會補助一半的經費。多位委員對補助力道、傳統小吃能否受惠、可否帶動業者轉型、外送平台是否變相受益等表示關切。值得注意的是,經濟部已順利爭取額外的30億元經費,然而如何透過疫情危機帶動業者轉型,仍值得研究。

衛環委員會逐條審查「菸害防制法修正草案」,全案共47條的修正草案僅11條通過,其餘如菸品定義、廣告行銷、加味菸口味,以及未滿20歲吸菸的罰則等關鍵條文,因委員未達共識,留待朝野協商。整體而言,菸品將朝向更嚴格的管制。

疫情持續升溫,指揮中心宣布團體觀光客需打滿三劑疫苗,引發觀光業退團潮。交通委員會對交通部因應疫情及三劑令的紓困及補助措施表達關切,交通部長王國材表示政策方向以振興為主,交通部已取得行政院同意使用國旅券餘款,獎勵旅行業推廣特色團體旅遊。新台灣模式下,民眾自主減少外出活動,觀光業大受影響,儘管交通部將在7月中推行新台幣55億元預算的振興方案,但若屆時疫情未緩或三劑令未能鬆綁,方案效果都將受影響。此外自由行的住宿補助與過去兩年的方案不同,也可能將降低振興效果。

順律顧問長期關注立院財政、經濟、交通、社會福利及衛生環境委員會,以下為前述四個常設委員會的動態摘要:

財政委員會  經濟委員會  社會福利及衛生環境委員會  交通委員會  

Executive summary

The Legislature’s Finance Committee in May continued to focus on consumer disputes stemming from COVID-19 insurance policies. In response to queries by several legislators, Financial Supervisory Commission (FSC) Chairperson Huang Tien-mu said that so long as insurance policies have come into force and their terms have been met, insurers are responsible for paying eligible claims and meet their contractual obligation regardless of whether consumers have purchased multiple policies. The Finance Committee on May 25 passed several relevant resolutions, including one requiring the FSC to get the Financial Ombudsman Institution (FOI) and insurance companies to tally the number of COVID-19 insurance disputes before the end of June, for the purpose of serving as a point of reference for regulatory review of insurance products going forward. The expectation is that the resolution of COVID-19 insurance disputes as well as its impact on the industry and other categories of insurance products will continue be a focal point for legislators.

Minister of Economic Affairs Wang Mei-hua on May 23 briefed the Economics Committee on her ministry’s program for subsidizing marketing campaigns in the foodservice industry (specifically up to half the campaign costs of approved applicants). Several legislators asked whether the program has sufficient funding, whether the program will benefit traditional eateries, whether the program will help drive business transformation, and whether the program will inadvertently prove to be a windfall for food delivery platforms. Since late May, in terms of funding, the Ministry of Economic Affairs has successfully secured an additional NT$3 billion from the Cabinet. Whether the pandemic will catalyze lasting transformation of the foodservices industry in Taiwan remains to be seen.

The Health Committee reviewed the draft amendments to the Tobacco Hazards Prevention Act. Only 11 out of the 47 articles of passed preliminary review, leaving the rest for cross-caucus negotiation at a later date, including those concerning the definition of tobacco products, advertising, marketing, the legality of flavored tobacco products, and penalties on smokers under the age of 20. Overall, the expectation is that tobacco regulation will be tightened going forward.

With COVID-19 cases continuing to rise, the Central Epidemic Command Center (CECC) decided to limit participants in domestic group tour packages to those that have been fully vaccinated and boosted, which in turn led to a wave of cancellations. The Transportation Committee voiced concerns about this vaccination requirement and whether current government support measures are sufficient for the hard-hit travel and tourism industry. Minister of Transportation and Communications Wang Kuo-tsai said that his ministry is focusing on stimulus (as opposed to relief) and that the Ministry of Transportation and Communications (MOTC) has secured the Cabinet’s approval to tap into the domestic travel voucher budget surplus for incentivizing the rollout of special group tour packages by travel agencies. Despite the government’s “new Taiwan model” (geared toward co-existing with COVID-19), consumers have been less inclined to leave their homes, which in turn has impacted the travel and tourism sector. If the outbreak does not subside in the near term and/or if the government does not lift its vaccination requirement on group tour packages, the effectiveness of the MOTC’s NT$5.5 billion package slated for launch in mid-July could be limited. In addition, as part of the package, subsidies for free independent travelers (FITs) staying at hotels differ from previous iterations in that they are limited to weekdays. This could also lead to less-than-hoped-for results.

The following contains more details about these developments at the four standing committees that Soundline periodically tracks, namely the Finance Committee, the Economics Committee, the Transportation Committee, and the Social Welfare and Environmental Hygiene Committee (Health Committee)

財政委員會

防疫保單爭議

財政委員會持續聚焦防疫保單爭議,5月23日邀請金管會主委黃天牧就「防疫保單相關爭議及處理情形」進行專題報告並備詢。黃主委強調,保險監理需兼顧消費者權益和保險業者穩健經營,民眾自選「3+4」居家隔離,防疫險要理賠;只要保險公司已承保且符合保單約定,無論保戶買幾張,保險公司都有責任理賠。

國民黨立委林德福和賴士葆、民進黨立委郭國文和林楚茵,以及民眾黨立委張其祿和高虹安等,皆針對保戶權益、符合契約卻不能理賠的情形表示關切,並關注保險公司的財務狀況,要求金管會除了提供指引外,也應確保保險公司履行責任。

財委會25日通過防疫險相關7項臨時提案,其中包括金管會作為保險業監管機關,應要求評議中心及保險公司於6月底前統計並公開防疫保單客訴件數,以利審查保單商品。

  • 產業:保險業
  • 觀點:針對防疫保單爭議,金管會雖有介入並發布新聞稿澄清,仍遭委員批評不夠主動積極,使得保戶遇到問題卻無所適從。評估上述7項臨時提案的內容,未來防疫保單理賠情形,以及其對於產險業者經營影響、對經濟活動之衝擊、如何確保其他險種保戶權益等議題,仍會是關注重點。

Finance Committee

COVID-19 insurance policy disputes

The Finance Committee continued to focus on consumer disputes stemming from COVID-19 insurance policies. During a meeting with the Finance Committee, FSC Chairperson Huang Tien-mu on May 23 said that the commission needs to strike a balance between consumer interests and the commercial viability of the insurance industry. Chairperson Huang said that policyholders who opted for the “3+4” quarantine rule are eligible for COVID-19 insurance claims and that insurers must honor all contractual commitments regardless of the number of policies purchased by consumers.

Including Kuomintang (KMT) Legislators Lin Te-fu and Lai Shyh-bao, Democratic Progressive Party (DPP) Legislators Kuo Kuo-wen and Lin Chu-yin, and Taiwan People’s Party (TPP) Legislators Jang Chyi-lu and Kao Hung-an, several asked the FSC about policyholders’ interests, difficulties with the insurance claims process, and insurance company finances, requesting the regulator to ensure that insurers meet their contractual obligations.

The Finance Committee on May 25 passed seven resolutions, including one proposed by Legislator Lin Chu-yin requesting the FSC, as financial regulator, to get the FOI and insurance companies to tally the number of consumer complaints about COVID-19 insurance policies before the end of June to serve as a point of reference for insurance product review going forward.

  • Industry: General insurance
  • Takeaway: Although the FSC has weighed in on COVID-19 insurance policy consumer disputes and issued press releases to state its position as financial regulator, lawmakers are evidently of the opinion that the FSC has not done enough to protect policyholders. Judging from the seven resolutions, settlement of disputes over COVID-19 insurance policy claims, impacts on the insurance industry, wider economic implications, and consumer interests in relation to other categories of insurance products will continue to be focal points for lawmakers.

經濟委員會

餐飲業者行銷補助

經濟部長王美花5月23日就「餐飲業者行銷補助及紓困特別預算延長一年」進行專案報告並備詢,王部長表示只要餐飲業者提出優惠促銷方案,經濟部就會提供所需經費50%的補助(註:每家補助設有上限)。截至5月20日已破6000件申請案,逼近經濟部剩餘約6億元的紓困預算。

對此,國民黨立委葉毓蘭、楊瓊瓔、李貴敏與謝衣鳯、民進黨立委林岱樺、陳亭妃、邱志偉、陳明文與蘇治芬,以及民眾黨立委高虹安皆表示意見,其中關切重點在於補助力道(經費)不足、傳統小吃(與路邊攤)能否受惠、可否帶動業者轉型、外送平台是否變相受益等。王部長回應指出,6億元確實不夠,會再向行政院爭取。[1]

  • 產業:餐飲業
  • 觀點:5月23日經濟部商業司公布的資料顯示,餐飲業4月營業額較3月減少11.2%、較去年同期減少5.8%,為受疫情衝擊較大的產業之一。本次餐飲業行銷補助方案的申請機制簡化便利,經濟部也已順利爭取額外的30億元經費,預期會有更多的業者申請。然而該如何透過疫情危機,帶動餐飲業者轉型,仍值得研究。
  • [1] 經濟部5月26日新聞稿指出,行政院通過增列30億元經費,辦理經濟部餐飲行銷補助方案。

Economics Committee

Foodservice marketing expense subsidy

During a meeting with the Economics Committee about extending aid and relief measures for the foodservices industry, Minister of Economic Affairs Wang Mei-hua on May 23 said that her ministry is providing subsidies that cover up to 50 percent (capped) of the cost of promotional campaigns by foodservice operators. As of May 20, the program had attracted more than 6,000 applicants, nearly exhausting the then remaining NT$600 million.

KMT Legislators Yeh Yu-lan, Yang Chiung-ying, Lee Guei-min and Hsieh Yi-fong, DPP Legislators Lin Tai-hua, Chen Ting-fei, Chiu Chih-wei, Chen Ming-wen and Su Chih-fen, and TPP Legislator Kao Hung-an weighed in on program, voicing concerns about whether the funding is sufficient, whether food vendors and traditional eateries stand to benefit, whether this will help drive business transformation, and whether the program will inadvertently prove to be a windfall for food delivery platforms. In her reply, Minister Wang conceded that NT$600 million is not enough and said that she will ask the Cabinet for more funding.[2]

  • Industry: Foodservice
  • Takeaway: According to MOEA Department of Commerce data published May 23, foodservice revenues in April fell by 11.2 percent month-on-month and 5.8 percent year-on-year, indicating that the industry, relative to others, has been especially hard-hit. Given the aforementioned program’s streamlined application process and an additional NT$3 billion in funding secured by the MOEA from the Cabinet, more applicants are expected. However, it remains to be seen whether efforts at transforming the foodservice industry in face of pandemic challenges prove successful.
  • [2] The MOEA on May 26 said that the Cabinet has increased the funding for the foodservice marketing aid program by NT$3 billion.

社會福利及衛生環境委員會

菸害防制法修正草案

衛環委員會於5月18日、23日逐條審查「菸害防制法修正草案」。由於院版並未定義菸品組合元件,但委員希望能將其視同菸品進行管理,故與菸品定義、廣告、行銷與罰則有關之條文皆留待黨團協商。此外,由於委員對加味菸禁止的口味、未滿20歲吸菸的罰則仍未達共識,相關條文亦被保留。最終,全案共47條的修正草案僅11條通過,其餘留待黨團協商。另外有關菸害防制及衛生保健基金,委員會通過附帶決議,建請衛福部六個月內針對調升菸捐提出評估方案。

  • 產業:菸草製品製造、進口、批發、零售
  • 觀點:雖然此次「菸害防制法修正草案」的諸多條文延至下會期朝野協商,但整體而言,菸品仍朝向更嚴格的管制。

Health Committee

Amendment to the Tobacco Hazards Prevention Act

The Health Committee on May 18 and May 23 reviewed the draft amendments to the Tobacco Hazards Prevention Act. With the Cabinet’s bill not providing definitions of tobacco product components, some legislators called for applying requirements on tobacco products to the components thereof. Articles concerning the definition of tobacco products, advertising, marketing, and penalties were deferred for cross-caucus negotiation. In addition, as legislators were unable to come to a consensus on banning flavored tobacco and setting penalties on smokers under the age of 20, these articles were also deferred for cross-caucus negotiation. Of the bill’s 47 articles, only 11 passed preliminary review, leaving the remainder for negotiation at a later date. The Health Committee also passed a resolution asking the Ministry of Health and Welfare to complete a feasibility study on raising the tobacco surcharge.

  • Industries: Tobacco manufacturing, import, distribution and retail
  • Takeaway: While most of the articles in the draft amendment have been deferred for cross-caucus negotiation in the next legislative session, the expectation is that tobacco regulation overall will be tightened going forward.

交通委員會

觀光振興方案

疫情爆發重創台灣觀光產業;防疫指揮中心於4月22日宣布團體觀光客需打滿三劑疫苗,引發觀光業退團潮。民進黨立委劉櫂豪、許智傑、陳歐珀,以及民眾黨立委邱臣遠於5月9日交通委員會,對交通部因應疫情及三劑令的紓困及補助措施提出質詢。對此,交通部長王國材表示政策方向以振興為主,交通部已取得行政院同意使用國旅券餘款,獎勵旅行業推廣特色團體旅遊,其中包括觀光局指定景點。此外,王部長在5月26日交通委員會表示,已向行政院成功爭取55億元預算振興國旅,然而政府原則上不再推行觀光業紓困,且經費不會用於觀光旅遊業薪資補助。

  • 產業:觀光旅遊業
  • 觀點:政府的「新台灣模式」雖未要求觀光業者停工,但今年確診人數遠比去年高,民眾自主減少外出活動,觀光業仍大受影響。交通部將在7月中推行55億元預算的振興方案,但倘若屆時疫情未緩或三劑令未能鬆綁,都將影響方案的效果。此外,自由行的住宿補助也與過去兩年的方案不同,改為限定平日使用,也可能降低振興效果。

Transportation Committee

Tourism stimulus package

The tourism industry has been hard-hit by the pandemic. The Central Epidemic Command Center on April 22 announced that people taking part in domestic group tours must be fully vaccinated and boosted, leading to a wave of cancellations. During a Transportation Committee meeting on May 9, DPP Legislators Liu Chao-hao, Hsu Chih-chieh, Chen Ou-po and TPP Legislator Chiu Chen-yuan asked about the MOTC’s aid for the travel and tourism industry in response to the pandemic and the aforementioned vaccination requirement. In response, Minister of Transportation and Communications Wang Kuo-tsai said that his ministry is focusing on driving stimulus (as opposed to providing relief) and that the MOTC has secured the Cabinet’s approval to tap into the domestic travel voucher budget surplus for incentivizing the rollout, by travel agencies, of special group tour packages that include Tourism Bureau-designated tourist attractions. Minister Wang on May 26 said that his ministry has secured another NT$5.5 billion from the Cabinet in stimulus funding, which will, however, not be appropriated for relief or for providing wage support.

  • Industry: Travel and tourism
  • Takeaway: Although the number of COVID-19 cases in 2022 has far surpassed the count in 2021, under the “new Taiwan model,” the government has not halted the operations of travel and tourism businesses; however, mobility has decreased among consumers out of their own volition, impacting the travel and tourism sector. The effectiveness of the MOTC’s NT$5.5 billion stimulus package, the distribution of which is set to begin in mid-July, could be limited if the vaccine mandate is not lifted. The accommodation subsidies for FITs are different from previous iterations in that they only apply to Mondays through Thursdays, which could also lead to less-than-hoped-for results.

順律國際顧問 Soundline Consulting

編譯
郭漢威 (Adam Kuo) 資深協理
林妤 (Meg Lin) 專案經理 (meg.lin@jetgo.com.tw; +8862 2370-8000 #2211)
陳彥太 (Ted Chen) 專案經理 

衛環
黃柏勳 (Peter Huang) 總監
洪政國 (Vincent Hong) 專案副理 

交通
馮雅倫 (Alan Fong) 總監 

經濟
陳育正 (Darren Chen) 副總監 

財政
黃馨霈 (Shelly Huang) 專案經理

 

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