| 英文摘要 |
Taiwan's Patient Right to Autonomy Act (hereinafter P.R.A.A.), as a pioneer in the field of patient autonomy in Asia, came into effect on January 2019, which enables non-terminal patients to refuse blood products, antibiotics, artificial nutrition and hydration, and other medical measures that may prolong the lives of patients. It may expedite death, as is not caused by the natural process of disease. In the scenario, though the cause of death would not be likely identified as suicide, the medical measures under P.R.A.A. may be considered a significant fact affecting the insurer's risk evaluation and premium actuarial calculations. The article argues that applicants should disclose advance medical decisions while making representations in response to the written inquiries of the insurer ex ante entering into insurance contracts, and notify insurers of the decisions made ex post insurance contracts as alteration of risk. In doing so, insurers are provided with opportunities of assessing the insured risk, which can prevent moral hazard and maintain the principle of equivalence. |
