annual report 2011 - tmnewa.com.tw·年年報... · annual report 2011 sõËË 1 in tro d u c tio n...

10488台北市中山區南京東路三段130號8-13樓電話：(02)8772-7777　傳真：(02)2776-5733

8-13F., No. 130, Sec. 3, Nanjing E. Rd., Zhongshan District, Taipei, Taiwan R.O.C.Tel : 886-2-8772-7777 Fax : 886-2-2776-5733http : //www.tmnewa.com.tw

一百年年報

Annual Report 2011

A l w a y s S t a n d B y , 服務隨時在！

強化競爭力創造新價值

新安東京海上產物保險股份有限公司

一百年

年報

TOKIO

MARIN

E N

EW

A IN

SURANCE C

O., L

TD. 2

011 A

NNUAL R

EPORT

Annual Report 2011 一百年年報

1 序言 Introduction

2 董事長的話 Message from Chairman

4 大事紀 Milestones

5 財務要覽 Financial Highlights

6 經營特色 Company Advantages

12 營運報告 Business Report

財務報告 Financial Report

18 監察人審查報告 Supervisors' Report

19 會計師查核報告 Independent Auditors' Report

20 資產負債表 Balance Sheets

22 損益表 Statements of Income

公司概況 Company Outlines

24 公司組織圖 Organization

26 董事及監察人 Directors & Supervisors

27 主要經理人 Management

30 各部門主管 Department Heads

32 營業據點 Headquarter & Branch Offices

34 營業項目 Products & Services

目錄 ☉ Contents

1Company Advantages

Introduction

序言 Introduction

台灣產險市場延續2010年削價競爭的混亂局面，2011年價格割喉戰愈趨激烈。面對如此艱辛的市場環境，新安東京海上產險依然秉持著創新經營、專業效率、心安信賴、永續卓越(B.E.S.T.)的經營理念，持續強化保險專業、人才培育、客戶服務等優勢競爭力，以不斷創造對客戶的全新

價值，並贏得客戶的信賴與滿意。

Taiwan's non-life insurance market had continued to experience fierce pricing competition since 2010, and the situation had only gotten worse in 2011. Even in face of such difficult market conditions, TMNewa believes in its core values: Brand-new, Efficiency, Safety and Top (B.E.S.T.) and continued to strengthen its competitive advantages such as in professional insurance, staff training, and customer service. TMNewa kept on creating new values for its customers to win their trust and satisfaction.

在全體員工努力下，國際著名信用評等機構美國標準普爾公司於2011年將新安東京海上產險信評等級由「A-」之優良等級晉升為「A」；同時，中華信用評等公司亦將財務實力評等與發行體信用評等由「twAA」調升為「twAA+」，評等展望「穩定」，也展現出新安東京海上絕對是值得消費大眾信賴的產險公司。

Thanks to the hard-working employees, the well-known American S&P Ratings upgraded TMNewa from a level “A-” to level “A”. Meanwhile, Taiwan Ratings also raised its Financial Strength Rating and Counterparty Credit Rating to “twAA+”from “twAA”, and rated its long-term forecast as“stable”. These ratings have once again demonstrated TMNewa's creditability as a non-life insurance company.

Introduction

2Company Advantages


Message from Chairman

2011年是全球經濟急遽變化的一年，前二季因2010年延續的經濟復甦讓全球各國信心大增，但當時實施的經濟政策也造

成歐美主要國家財政赤字攀升、政府債務快速膨脹，並導致第三、四季爆發了美債信評風暴以及歐洲五國(葡萄牙、愛爾蘭、

義大利、希臘、西班牙)的歐債危機，甚而影響全球金融市場動盪不安，且在短短幾個月時間內，情勢發展已危及全球實體經

濟；台灣是出口導向的經濟體，受上述各項不利的外在因素波及，2011年全年經濟成長率只達4.0%。

The year 2011 was one in which we experienced drastic and rapid changes. In the first two quarters, the global

economy was still recovering, instilling economic confidence around the world. However, the policies implemented

caused an increase in government deficits and debt in many American and European nations, leading to the US credit

catastrophe and the Euro-zone debt crisis (notably in Portugal, Ireland, Italy, Greece and Spain) which in turn led to

the turmoil of the global financial market. In the short period of a few months, the situation affected the international

economic structure. Due to the detrimental consequences, Taiwan, as a country mainly reliant on export-led growth,

only achieved a 4% growth rate in 2011.

2011年也是天災頻傳的一年，澳洲洪水氾濫、紐西蘭地震、日本311大地震與海嘯、泰國洪災肆虐、美國多起暴風雨等，

使2011年成為全球保險業界因自然災害損失最慘重的一年。依據日本損害保險學會公佈的資料顯示，日本311大地震保險理

賠金已超過149億元美金，從以上的數據不難看出，全球產險業在2011年經營地相當艱辛。反觀台灣整體產險市場則因車市

大好、天災險費率調整等因素，全年簽單保費收入達新台幣1,124.1億元，不僅重回金融海嘯前的水準，更較2010年成長了

6.9%。

2011 was also a year of natural catastrophes, which included the floods in Australia and Thailand, the earthquakes

in New Zealand and Japan and the hurricanes in the USA. The year 2011 was also the year in which the global insurance

industry suffered the most due to natural disasters. According to the General Insurance Association of Japan, the 3/11

earthquake created a loss of USD14.9 billion, evidently showing that 2011 was a harsh year for the international non-life

insurance sector. On the contrary, the total premium income had grown in Taiwan due to the automobile market and

the adjustment of the NAT CAT premium rate, reaching NTD112.4 billion with a 6.9% growth rate in comparison to 2010.

本公司2011年簽單保費收入為新台幣82.6億元，較2010年成長6.9%，與整體市場的平均成長率相同；業績成長加上穩

健適當的經營策略，公司營運與獲利均能達到預訂的目標。正因如此，國際著名信用評等機構美國標準普爾公司於2011年

將本公司的信評等級由「A-」之優良等級晉升為「A」，同時，中華信用評等公司亦將財務實力評等與發行體信用評等由

「twAA」調升為「twAA+」，評等展望為「穩定」；為該年度唯一信評調升的產險公司。

At TMNewa, the total premium income in 2011 was NTD8.26 billion, with a growth of 6.9% from 2010, consistent with

the overall market growth. Due to this growth and the sound strategies implemented, the company was able to achieve

the targets set in both volume and profit. Thus the well-known American S&P Ratings upgraded TMNewa from a level

“A-”to level “A”. Meanwhile, Taiwan Ratings also raised its financial strength rating and counterparty credit rating to

“twAA+”from “twAA” and rated its long-term forecast as “stable”. In 2011, TMNewa was the only non-life insurance

company to be upgraded.

Message from Chairman3

Company Advantages


董事長的話 Message from Chairman

2011年台灣產險市場雖因汽車銷售量的增加而有所成長，但價格競爭卻也愈見激烈，面對此一市場環境，本公司堅持

穩健經營的理念，並積極落實「B.E.S.T.」核心價值，持續發揮競爭優勢，才能在客戶心中創造無可取代的價值。人才培訓方

面，創造良好學習環境，鼓勵員工充實自身的專業知識與技能；風險管理方面，深度思考報酬與風險承擔間之最適當平衡關

係，並真正執行於日常作業中；客戶服務方面，貫徹標準作業流程，以追求更深度的服務；創新商品方面，開發『錯誤或疏

漏責任保險』等具市場區隔性新商品，滿足不同消費族群之需求；社會責任方面，除持續致力關懷偏遠地區弱勢學童外，亦

從公司內部推展節能減碳愛地球活動，為綠化環保盡一份心力。

Although the automobile market raised the non-life insurance market growth in Taiwan, price competition also

became more intense. In light of the hostile market environment, TMNewa maintains the operations of firm business

strategies, and follows the core values, B.E.S.T., to maximize our competitive advantage and to create an irreplaceable

value in the hearts of our customers. In terms of employee training, we strive to create a positive workplace environment,

and encourage employees to pursue further studies in their professional fields. For risk management, we aim to find the

most practical balance point between profit and risk that we can put to use in our business operations. In regards to

customer service, we follow our SOP and seek to provide even better service. Furthermore, for product innovation, we

hope to satisfy consumers in every market sector with diversified new products such as our “Errors and Omissions Liability

Insurance” plan. To fulfill our social responsibility, we also continue with our efforts to help children in remote areas and

we are currently promoting eco-friendly activities to reduce carbon emission.

2012年全球經濟及市場環境將遠比過往更加不確定，

面對費率競爭日趨白熱化的產險市場，本公司除了貫徹

核心價值與經營理念、追求經營效能的改善、堅守對客戶

的服務承諾、提昇相關專業之外，也將持續不斷地累積長

期以來所建構的競爭實力，並將此競爭力落實於日常營運

上，提供客戶最優質的商品與服務、為股東創造更好的營

運績效，以達成『專業且貼心的最佳產險公司』之願景。

The global market will be even more unpredictable

in 2012, in face of severe pricing competition. Besides

following our core values and business philosophy, we aim

to pursue improvements in efficiency, to fulfill our promises

to customers and to continuously deepen our

professional knowledge. We will additionally enhance

our competitiveness and execute our daily business

operations to the fullest capacity so that we can offer the best products and service to our customers, reaching our optimal business performance, and eventually achieving our goal to be the best non-life insurer.

Chairman 　　董事長


4Company Advantages

Annual Report 2011 一百年年報大事紀 Milestones

推動「重大體傷案件保戶法律諮詢」新服務，針對發生重大體傷事故之汽車保險客戶，主動連絡為其解答分析車

禍民刑事責任、訴訟程序等法律與賠償相關問題。

Offered “Legal advice for serious-injured customers”which is a new service for motor insurance customers

suffering from serious accidents. We attentively analyze the civil/criminal liabilities, litigation processes, as well

as legal and compensation problems.

推出「錯誤或疏漏責任保險」商品，對於被保險人因執行營業行為發生錯誤或疏漏，使其所生產之商品無法提供

應有之功能或用途或依契約(協議)應提供之服務，導致其客戶受到財務損害時，本商品負賠償之責。

Our new product,“Errors and Omissions Liability Insurance”insures business owners for their losses when

wrongful act occurs and interrupts their regular production.

發動員工愛心募款活動，募款金額全數捐贈予佛教慈濟慈善事業基金會，同時公司亦另行提撥款項捐贈予紅十字

會，以做為日本311大地震賑災之用。

Initiated the charity donation for the Tzu Chi Foundation to support the relief effort for the 311 earthquake in

Japan. In the meantime, a separate funding was donated to the Red Cross Society of ROC by the Company.

推出「道路救援費用補償保險」商品，提供消費大眾多元化的汽車保險商品選擇。

Offered“Compensation for the roadside rescue service expenses insurance”to provide our customers

with a more diversified motor insurance product.

推出「團體傷害保險(乙型)初次罹患癌症健康保險附加條款」商品，提供法人團體成員一次性給付的健康保險商

品。

Offered “Group Personal Accident Insurance (type B) with complimentary term of first cancer

diagnosis”with a lump-sum claim payment for corporate organizations.

贊助原鄉部落課後學習，協助提升學童基礎學習能力。

Sponsored after-school study sessions for children in remote villages to enhance their learning ability.

入圍2011年第四屆台灣保險卓越獎產險組「風險管理卓越獎」、「人才培訓創新卓越獎」及「保戶服務創新卓

越獎」。

TMNewa was nominated for the Taiwan Insurance Best Performance Awards of the non-life division in “risk

management”,“staff training”and “customer service”.

國際著名信用評等機構美國標準普爾公司將新安東京海上產險信評等級提升為「A」優良等級，同時中華信用評

等公司亦將財務實力評等與發行體評等等級調升為「twAA+」，長期評等展望為「穩定」。

The well-known American S&P Ratings upgraded TMNewa to level“A”. Meanwhile, Taiwan Ratings has

also raised our financial strength rating and counterparty credit rating to “twAA+”and rated our long-

term forecast as “stable”.

榮獲財團法人金融聯合徵信中心2011年度「金安獎」績優機構。

Awarded “Golden Safety Prize”by Joint Credit Information Center.

5月

3月

1月

7月

9月

10月

12月

Milestones5

Company Advantages

財務要覽 Financial Highlights大事紀 Milestones

年度 Year 項目 Item

2007年 2008年 2009年 2010年 2011年

股本

Capital 2,990 2,990 2,990 2,990 2,990

各項準備金

Reserves8,636 8,298 9,164 9,842 9,870

自留保費

Net Premiums5,689 5,688 5,846 6,362 6,919

簽單保費

Gross Written Premiums 7,007 6,890 7,088 7,728 8,264

TMNewa簽單保費成長率GPW Growth Ratio - TMNewa

1.5% -1.7% 2.9% 9.0% 6.9%

市場簽單保費成長率

GPW Growth Ratio - Market-1.3% -4.1% -6.2% 3.7% 6.9%

資產總額

Total Assets11,784 13,068 14,275 15,037 15,337

稅後純益

Net Income242 357 357 617 750

市佔率

Market Share(%)6.2% 6.4% 7.0% 7.4% 7.4%

2009 2010 20112007 2008 年度

82.3% 82.7%82.5%

70.8% 69.8%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-5.2% 4.8%

12.5% -2.1%

-5.6%10.3%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

Financial Highlights

單位：NT$ 佰萬元Unit：NT$ Million資料來源：新安東京海上產險

6Company Advantages


Company Advantages

重視人才培育強化競爭優勢Emphasis on employee training, Increase in competitiveness在公司的經營策略中，人才培育一向是最關鍵的骨幹核

心，新安東京海上產險深信只有長期培養人才，才能在不斷

變動的市場中走得更遠。因此，自公司成立以來即特別著墨

人員的教育訓練制度，不僅針對理賠、營業人員的需求建構

完整、專業的教育訓練課程，同時更鼓勵所有內外勤同仁們

積極學習以取得產險專業，如精算、核保、理賠、消防設備

師等相關證照，充實自身的專業知識與技能，並善加運用於

日常工作中，為客戶提供更精緻、優質的服務。除了為員工

創造學習成長的職場環境外，新安東京海上更積極設定各面

向目標，如鼓勵創新、工作效能、團隊合作、客戶滿意等，

來形塑氛圍、凝聚全體員工共識，以期達成公司願景。

Employee training has always been a vital element

in business strategies. TMNewa believes that long

term training for employees is fundamental in bringing

greater production in today's unstable market. Therefore,

TMNewa has put great effort in staff training, focusing not

only on the claim and sales personnel, but also on each

and every employee in all departments. Employees are

encouraged to obtain their professional licenses such as

in actuary, underwriting, fire protection engineer and the

like. Thus, our employees are adept in their professional

fields and able to provide exceptional service. Besides

creating a positive workplace environment, TMNewa also

aims to encourage innovation, efficiency, team-work and

customer satisfaction in order to improve team chemistry

and unity, as well as achieving the company's objectives.

基於「提升同仁的工作績效以強化組織競爭優勢」為人

才培育重要目標，新安東京海上針對主管進行重要職能教育

訓練，聘請外部專業講師授課，強化主管問題分析與解決的

相關知識，以培育其「決策能力」之管理職能。此外，公司

培育內部講師指導基層同仁「問題分析與解決」的能力，再

由主管帶領同仁運用問題分析的系統化流程做出最適決策，

以達成公司的經營目標，真正落實「強化組織競爭優勢」之

人才培育目標。

In order to increase each employee's performance

and thus, the competitive advantage of the company,

TMNewa has introduced a series of major career training

for managers with professional instructors giving lessons

relating to problem analyzing and solving, as well as

their ability of decision-making. Furthermore, internal

instructors are trained to teach every employee the

ability of problem analyzing and solving. Then, led by their

supervisors, employees utilize what they have learned to

make the best decisions in a systematic way of thinking,

and thus, the purpose of employee training can be

realized and operational goals of the company can be

achieved.

嚴控風管機制營運穩健成長Strict risk control, Stable growth of business新安東京海上產險瞭解經營保險公司另一項重要的課題

即是『風險管理』，不只是為客戶管理風險，更需為自身內

部的財務、投資、核保等風險及其它突發危機做好內部控管

與把關，以維護客戶的權益、維持公司營運上的穩健步伐，

進而真正落實「心安信賴、永續卓越」的核心價值。

TMNewa understands that another important issue for

running an insurance company is “Risk Management”,

not only for customers, but also for internal risks relating to

finance, investment, underwriting and other unexpected

crises. TMNewa aims to defend customers' rights and

maintain a stable business growth, which will hopefully

lead to the realization of the company's core values,

Safety and Top.

2005年成立「風險管理部」，專責發展、建構公司各項

風險管理機制的流程規劃與系統建置，並與公司日常營運活

動整合，同時彙整日常業務監控結果，定期於董事會上報告

各項風險概廓之變化及控管情形。在嚴謹的風管機制發揮獨

立監督功能下，新安東京海上產險得以在幾次的全球金融風

7Company Advantages

經營特色 Company Advantages

Company Advantages

暴中有效控制各項風險。面對全球經濟危機事件有增無減的

情勢，新安東京海上著手規劃『風險調整後績效評估(RAPM)

制度』，並自2011年起正式於日常作業中實施執行，藉由此

制度導引商品部門更深入思考報酬與風險承擔間之最適當平

衡關係，務使公司在未來經濟景氣愈發不確定的環境中，整

體營運仍能相對維持穩健的成長。

E s t a b l i s h e d i n 2 0 0 5 , t h e R i s k M a n a g e m e n t

Department is in charge of developing risk-related

procedures and systems, integrating risk management

into daily businesses, as well as periodically monitoring

and reporting the changes and effects of each risk

profile in board meetings. With its strict risk control scheme

and independent supervisory function, TMNewa has

effectively kept the risks under control in several global

financial crises. In reaction to an increasing trend of

global economic crises, TMNewa had outlined the RAPM

system and officially implemented it in 2011. Therefore,

the Product Departments of the company could start to

evaluate the balancing point between revenue and risk

so that a stable growth can be maintained even when

facing an economic downturn.

此外，於發展自身風險管理機制的同時，新安東京海上

亦在東京海上集團(Tokio Marine Group)的技術支援下，以

內部模型進行風險量化作業，近年來已陸續完成所有主要風

險項目如市場、信用、準備金、核保等風險之模擬與整合。

2011年起進一步將內部模型技術運用於中期營業計劃之制

定，以更具系統性的統計方式配合風險量化模型，逐步達成

企業風險管理中對於策略性風險管理的要求。

I n add i t ion to deve lop ing an in te rna l r i s k -

management mechanism, TMNewa has also been

working on the quantification of internal risk model with

the technical support from Tokio Marine Group. Risk

models for categories such as market, credit, reserves and

underwriting have been completed successively in recent

years and applied to the mid-term business plans. With a

more systematic statistical method and risk quantification

model, strategic risk management requirements of ERM

can be achieved progressively.

堅持服務信念創造全新價值Insist on service spirit, Create brand new value在商品同質性愈高的市場中，企業可提供愈多的附加

服務，就愈顯現出其對消費者的價值，新安東京海上深刻地

體認到此要點，在近年來保費競爭愈趨白熱化的產險市場環

境裡，依然信守對客戶的承諾—持續提供獨特及差異化的服

務，如『24小時事故現場協助處理』、『24小時道路救援』

兩項服務，至2011年底累積服務件數已分別突破10萬件與15萬

件。正因這份堅持，新安東京海上不僅贏得客戶的信賴、肯定

與支持，也為自己在客戶心中創造出無可取代的新價值。

The higher similarity of the product, the more

complimentary services can be offered, and thus, the

more differentiated values to the consumers. TMNewa

believes in this point and keeps its promise to the

customers in the recent chaotic price-cutting competition

of the non-life insurance market. “24-hour accident

scene handling service” and “24-hour roadside rescue

service” had already reached an accumulated case

number of 100 and 150 thousand respectively by the end

of 2011. TMNewa's persistence not only was rewarded by

the customers' trust and support but also created a value

that cannot be replaced in customers' hearts.

8Company Advantages


Company Advantages

但新安東京海上不以現狀自滿，陸續推出符合客戶需求

的優質服務項目，如『24小時服務不中斷諮詢連線網』服

務，由資深理賠主管線上24小時值班之機制，讓客戶即使深

夜在事故現場有任何疑問，一通電話馬上可獲得回應，徹底

執行〝Always Stand By 服務隨時在〞的服務精神。又如『現

場事故處理—小額損失現場和解授權』服務，理賠人員於事

故現場衡量肇責、受損等情況後，經判斷總損失在新台幣2萬

元內且當事人皆同意的情況下，可當場協商促成和解。此項

專業效率的服務措施，不僅節省了保戶及對方的寶貴時間，

更讓保戶無需面對日後被求償的壓力；2011年在『24小時

事故現場協助處理』服務所有件數中，『現場事故處理—小

額損失現場和解授權』服務成功件數比例達21.45%。至於重

大的理賠案件處理作業至賠付階段時，新安東京海上立即以

e-mail或簡訊方式通知營業人員及保戶相關資訊；未來更將

擴及至賠案受理、理算、賠付等關鍵階段，適時讓保戶掌握

賠案處理進度。

However, TMNewa was still not satisfied with its

achievements and continued to offer quality services.

For example, senior claims supervisors are in charge of

the “24-hour non-stop consulting net”, who take shifts

day and night so that services can be provided even

at midnight. This service realizes our“Always Stand

By”spirit.“Small Amount of Loss Settled at Accident

Scene”is another service that, after examining losses and

allocating responsibilities, claiming staff can help to reach

reconciliation right at accident scenes if the loss is under

NTD20,000 and with the agreement from both sides. This

efficient service can save time for both the policyholder

and the other party; moreover, customers will not be

facing any claiming pressure afterwards. In 2011, of all 24-

hour accident scene service cases, 21.45% had reached

reconciliation at the accident scene. For cases with

greater loss, TMNewa informs its customers the relative

information by e-mails or text messages during the case

processing phase. In the future, key information such as

case acceptance, responsibility calculation, and claim

payment will be provided to customers to keep them

updated about their cases.

除理賠人員之專業外，客服中心亦是服務客戶的重要環

節之一。新安東京海上透過CTI客服作業電腦電話整合系統、

0800MEMO專業派案系統等機制，將派案、通報、回報、賠

案後續追蹤之流程，做合理、細緻、嚴謹的分配與控管，以

達成快速抵達事故現場、有效處理賠案作業之任務。現今，

廣度的〝服務〞已無法滿足消費者，唯有深度細膩才是服務

王道。每季舉辦理賠暨主管會議，就理賠相關服務事項之執

行成效進行討論，並與客戶服務滿意度調查結果共同作為服

務流程改善之參考依據，以期持續提供客戶專業、深度、貼

心的服務。

Other than professional claiming staff, Customer

Service Center also plays an important role. TMNewa

integrated the calling system and the professional

0800MEMO system through CTI to carefu l ly and

reasonably divide customer service into 4 procedures:

case distributing, informing, replying and after-claim

tracing. Thus, missions of rapidly arriving at accident

scenes and efficiently handling claim cases can be

accomplished. Nowadays, excellent service is not up

to its quantity but quality. Claiming related services and

execution results are discussed in the claim managers’

meetings held quarterly, in the meantime, results of

customer service satisfactory surveys are the reference for

process improvement. TMNewa is expected to provide

professional, delicate and caring service for its customers.

活用通路策略創新多元商品Flexible sales channels, Innovative andvaried products服務需要差異化，創新研發商品也不例外，新安東京

海上產險面對消費者與企業體客戶多元化的需求更是投入

大量人力與資源研發具市場區隔性之新商品。其中，專為高

科技、製造業等企業體客戶研發之『錯誤或疏漏責任保險』

商品，提供被保險人於執行營業行為時發生錯誤或疏漏，造

成所生產之商品有缺陷、不足、不適當或危險等情況，無法

9Company Advantages


Company Advantages

提供應有的功能或用途，或無法依契約(協議)提供應有之服

務，導致其客戶受到財務損害，被保險人受賠償請求時，由

本公司對被保險人負賠償之責。

Service must be differentiated, and the R&D of

new products is no exception. For the various needs

of consumers and corporate customers, TMNewa has

invested a vast amount of manpower and resource to the

R&D. Specially designed for corporate customers in high-

tech and manufacturing industries, “Errors and Omissions

Liability Insurance” insures business owners for their losses

when wrongful act occurs and results in their products

being imperfect, insufficient, unsuitable or unsafe.

針對汽車車主則推出『道路救援費用補償保險』新商

品，其中〝保障型〞部份則是有鑑於車主發生意外事故需要

拖吊救援服務時，實際拖吊公里數常超出現行一般拖吊僅限

20公里免費之規定而研發，保障範圍涵蓋了須以特殊或全吊

方式處理之狀況，如車輛陷入沙地泥沼、車輛故障於樓層高

度2.5公尺以下之地下室或立體停車場等，不僅符合一般大眾

的車險商品需求也提供了多元化的保險商品選擇。

F o r c a r o w n e r s , t h e i n d e m n i f i e d p a r t o f

“Compensation for the Roadside Rescue Service

Expenses Insurance” is developed considering that

actual towing mileage is usually more than the free

allowance of 20km. Moreover, it also covers road services

that need special handling such as cars stuck in mud or

broken cars due to indoor parking lot with ceilings under

2.5m. This new insurance product is popular and offers

consumers a variety of choices.

持續推動發展多元化通路一向是新安東京海上重要行銷

策略，在長期積極經營下，包括員工業務員、承攬業務員、

保險經紀人與代理人、金融機構、網路要保平台等通路，業

績皆有顯著成長。而隨著通路經營形態不斷演進，新安東京

海上亦能靈活調整策略，提供業務拓展所需資源，如運用商

業智慧工具與各個通路溝通經營績效，藉此掌握通路業務品

質與市場趨勢。同時，商品單位也針對不同通路需求量身訂

做商品或服務，如與玉山銀行合作，為教師族群打造專屬保

險組合商品--『教師平安福』專案；開發團體傷害險報價及旅

行平安險費率試算建議書軟體；因應車險的龐大業務量，特

別建置「車險報價中心」，結合e-FAX、e-mail等系統，由資

深員工擔任服務人員，透過系統迅速報價，大幅提升了報價

作業的效率及品質，通路滿意度亦相對提高，截至2011年底

已對1,600多個銀行據點提供報價服務。

Diversified sales channel has always been important

to TMNewa's sales strategy. With a long-term effort,

business has grown in several channels including direct

business, acquisition business, brokers and agents,

financial institutions and on-line platforms. As the

channel pattern extends, TMNewa can flexibly adjust its

strategies and provide resources needed when business

expands. For example, BIS system allows every channel

to communicate with each other and be updated with

business quality and market trend. Meanwhile, custom-

made products and service are designed for different

channels; for instance, the cooperation with E-sun bank

offers insurance especially for teachers. Rate calculating

software is built for Group Personal Accident Insurance

and Travel Accident Insurance. In reaction to the large

volume of motor insurance business, “Rate Quoting

System” has combined e-FAX and e-mail and is served

by senior employees. The system has greatly increased

quoting efficiency and quality, satisfied sales channels

and offered its service in more than 1,600 banks by the

end of 2011.

網路要保平台是新安東京海上e化服務的重要一環，除

設置專業客服人員、提供諮詢服務專線外，考量到消費者線

上要保之便捷性，持續不斷改善線上投保作業流程並推出符

合消費習性的貼心服務，如線上查詢核保進度、寄發保單簡

訊通知、客戶進行線上續保時系統會自動帶出上年度相關資

10Company Advantages


Company Advantages

料，客戶無需再花時間重新填寫，整個續保程序操作時間由

10分鐘縮減至3~5分鐘即可完成；同時，每年利用E-mail及手

機簡訊通知續保以維持客戶行車保障不間斷，利用現代消費

者幾乎電腦、手機不離身的生活習性，雙管齊下維護客戶的

權益與保障。

Internet platform is an important part of service

digitalization. Apart from professional customer service staff

providing consulting service, operating procedures are

constantly being improved considering the convenience of

on-line insuring. Service is also offered in accordance with

customers' consumption habits; such as on-line progress

check and policy sending notice via text message.

Moreover, previous data are stored for on-line renewal

to save the time of paperwork and to reduce the whole

renewing process from 10 minutes to less than 5 minutes. In

addition, insurance renewal reminders via E-mails and text

messages are used effectively to keep customers insured,

which is a big advantage for customers in today's busy,

technologically advanced world.

長期參與公益善盡社會責任Participate in public welfare, Fulfill oursocial responsibility在追求經營績效穩健成長的同時，新安東京海上以「深

耕社區關懷社會」為企業社會責任發展主軸，持續致力於推

動社區學校交通導護企業志工、積極參與各項公益活動，履

行企業公民之責任。

While looking to achieve constant business growth,

TMNewa fulfil ls its CSR with the spirit of“devote to

community, care for society”and actively participate

in social welfares such as volunteering for elementary

schools nearby the office.

考量到未來國際競爭力的關鍵點就在於人才的培育，

因此在關懷社會面的部份即鎖定教育議題，特別將重心擺放

在因城鄉差距使得教育資源明顯短缺的偏遠原住民部落。與

多數企業不同的是新安東京海上除了捐贈教育資源相關費用

之外，更與南投、花蓮當地團體及地方人士合作輔導學童課

業，有效提升學童學習情況，未來也將擴大延伸至其它偏遠

地區。

Considering the importance of education of human

resources in international competition in the future,

children's education in rural area becomes the focus

in the CSR program. Other than making donations in

education funding, TMNewa is also working with the

locals and offering after-school program for children to

enhance their studies in Hua-lian and Nan-tou counties.

This project is planned to be extended to other remote

areas in the future.

新安東京海上自2008年即開始自公司內部推展節能減碳

活動，首先針對用紙量較大之車險理賠作業建置『車險賠案

電子化影像管理及電子簽核系統』，理賠內部相關作業全面

電子化，以減低用紙量並達到節能減碳之目標，下個階段將

朝電子保單方向前進，鼓勵客戶選擇使用電子保單共同為綠

化環保盡一份心力。

Green activities started in 2008 to save energy

and reduce carbon emission, “electronic vision and

sign-off system” was constructed for the Motor Claim

Department to save papers, and claiming-related

processes are done electronically to decrease the paper

consumption. The next goal is the electronic insurance

policy, and customers will be encouraged to join the

green activities with TMNewa.

累積競爭實力迎向未來挑戰Accumulate strength from the past and challenge the future

2011年，產險市場經營環境更為艱難且充滿挑戰，新安

東京海上不斷強化自身競爭力優勢、持續於客戶心中創造出

新價值，才能在市場中立於不敗之地。2012年是產險業關鍵

的一年，面對愈趨激烈的市場環境，新安東京海上將秉持著

『B.E.S.T.』核心價值以累積長期競爭實力，在營運上則持續

拓展多元化通路、研發具市場區隔性的新商品與貼心服務、



Company Advantages

因應市場變化適時調整核保政策、審慎篩選業務品質並致力

維繫既有之良質業務等策略，穩健朝願景—成為『專業且貼

心的最佳產險公司』邁進。

For non-l i fe insurers, 2011 was a diff icult and

challenging year. In order to remain competitive in

the industry, TMNewa continuously strengthens its

competitive advantage and creates new values for

its customers. 2012 is a crucial year for this industry

with even more intense competition and TMNewa are

looking to abide with its core values and accumulate

competitive strength. In business operation, various sales

channels and diversified products and service will be

explored. Strategies regarding underwriting policy and

business quality selection must be adjusted in reaction to

market changes, and of course, close relationship with

good-quality business will be maintained. As a result,

TMNewa can move toward its goal to become the most

professional and caring non-life insurance company.

12Business Report


Business Report

全球景氣經過2010年強勁復甦後，於2011年進入修正階

段，除了歐美等國龐大公債及高失業率外，年初又發生日本

311大地震與泰國水災等重大天災事件，使得2011年全球經

濟愈顯疲弱。

After the strong recovery in 2010, the global economy

entered a rectifying phase in 2011. Other than the huge

government debt and high unemployment rate in the US

and Europe, there were natural catastrophes such as the

Tohoku earthquake in Japan and the flooding in Thailand.

All these had slowed down the global economic growth

in 2011.

台灣經濟表現於2011年第1季，維持6.62%的經濟成長

率，但第2季起受全球經濟影響，使得第2到4季經濟成長率分

別為4.52%、3.42%、1.9%逐季下滑，全年實質經濟成長GDP

則由2011年8月預測之4.58%下修至4.04%，勉強守住4%。　

Taiwan kept a 6.62% growth rate in Q1, 2011;

however, affected by the global economy, the growth

rate had decreased to 4.52%, 3.42% and 1.9% from Q2 to

Q4 respectively. The Annual GDP growth was modified

from 4.58% (estimated in August) to 4.04%, and the actual

GDP growth barely reached 4%.

2011年產險市場直接簽單保費為1,124.1億元，較2010年

成長6.9%，成長力道較2010年之3.7%高出3.2個百分點，主要

受惠於新車銷售量大幅成長帶動整體車險成長7.2%，及商業

火險因7月1日起實施的新制天災險費率致成長達10.0%等二大

因素，惟市場競價仍然激烈，海上保險及傷害暨健康險之成

長率則低於2010年。

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

總經理陳潤智PresidentRen-Tze Chen

13Business Report

營運報告 Business Report

In the 2011 market, the gross written premiums totaled

NTD112.41 billion, grew by 6.9% compared to 2010; also,

the growth rate was 3.2 percentages higher than the

2010 growth rate of 3.7%. This was mainly contributed by

the 7.2% growth of motor insurance benefited from high

automobile sales and the 10% growth of commercial fire

insurance due to the new NAT CAT rate implemented on

July 1st. However, marine insurance and accident and

health insurance had a negative growth because of the

severe pricing competition in the market.

新安東京海上產險2011年直接簽單保費為82.6億元，較

2010年成長6.9%；市場佔有率與2010相同仍為7.4%，市場

排名維持第五名。這樣的成績來自於本公司掌握新車市場銷

售利基，極力開拓多元銷售通路、提升客戶服務品質；全年

度汽車保險、火災保險及傷害暨健康保險，分別成長9.9%、

4.5%及7.7%。唯有海上保險及新種險在審慎選擇業務的核保

政策下，分別負成長2.1%及5.7%。

At TMNewa, gross written premiums totaled NTD8.26

billion, grew by 6.9% compared to 2010, and our market

share remained at 7.4%, ranked 5th in the market. The

growth was mainly contributed by our foresight of the

new car sales plus our effort in expanding the distribution

channels and improving customer service quality. Motor

insurance, fire insurance and accident and health

insurance had grown by 9.9%, 4.5% and 5.7% respectively.

As for marine insurance and miscellaneous insurance,

under a policy of carefully chosen business, both had

grown negatively by 2.1% and 5.7%.

2011年本公司自留保費為69.2億元，淨自留保險賠款為

39.6億元，自留滿期損失率59.1%，稅後淨利為7.5億元，稅

後每股盈餘為2.51元，截至2011年12月31日之資產總額為

153.3億元。各險種經營現況分述如下：

Our net premium in 2011 totaled NTD 6.92 billion,

retained claim payment was NTD3.96 billion, net loss ratio

was 59.1%, net profit after tax was NTD750 million, EPS after

tax was NTD2.51, and total assets were NTD15.33 billion

as at December 31st, 2011. The operation results are as

follows:

汽車保險/ Motor Insurance2011年全市場汽車保險簽單保費為556.6億元，較2010年

成長7.2%。本公司則在持續建構多元化通路、不斷提高客戶

附加價值及以客戶需求為導向創新開發商品下，2011全年簽

單保費為56.8億元，成長10.0%。

In the 2011 market, the gross written premiums of

motor insurance was NTD55.66 billion, grew by 7.2%

compared to 2010. With our efforts in diversifying

our distribution channel, increasing added value for

customers and developing innovative products that are

customer-oriented, TMNewa's gross written premiums of

2011 totaled NTD5.68 billion, grew by 10%.

本公司2011年任意汽車保險自留保費為48.2億元，淨自

留保險賠款為27.6億元，自留滿期損失率60.4%，較2010年高

3.8%。除仍受2009年4月起進入費率自由化第三階段之影響

外，主要為2011年第三人傷害責任險與第三人財損責任險之

損失頻率及幅度均較2010年提高所致。2011年核保利潤達5.3

億元。

Our 2011 net premiums of voluntary motor insurance

was NTD4.82 billion, net retained claim payment was

NTD2.76 billion, and net loss ratio was 60.4%, which had

increased by 3.8% compared to 2010. Other than the

effect of the third phase of deregulation since April 2009,

the increase in the loss frequency and the loss margin of

casualty insurance for the third party was the main reason

for the loss ratio increase. The underwriting profit reached

NTD530 million.

釐定合理且具競爭力的商品費率、創造商品差異化並提

高附加價值、開拓並鞏固多元銷售通路、提昇理賠品質策略

及行動，是本公司對任意車險的一貫經營理念。展望2012

年，將在已建構之市場競爭利基上，不斷提升經營效益及客

戶滿意。

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

14Business Report


Business Report

Calcu lat ing a reasonable and compet i t ive

rate, developing diversified products, exploring and

consolidating diversified distribution channels and

enhancing claim service quality have always been our

business philosophies for voluntary motor insurance.

Looking forward to 2012, we will improve our business

ef f ic iency and customer sat i s fact ion under the

competitive advantages already built in the market.

火災保險/ Fire Insurance2011年因市場自7月1日起實施的新制天災險費率致大部

分巨額保單於6月底前終止契約重新出單及2010年重大損失案

件於2011年提高續保保費兩項因素，全市場火災保險簽單保

費197.2億元，較2010年成長10.0%。

The new NAT CAT rate was implemented on July 1st,

2011, which had made most corporate customers of large

amounts to early end their policies and renew to new

ones; plus, the 2011 renewal rate was increased for those

with serious loss records in 2010. The market gross written

premiums of fire insurance totaled NTD19.72 billion, grew

by 10% compared to 2010.

本公司全年簽單保費為8.9億元，成長4.8%，以積極培養

人員專業能力提供客戶完善損害防阻、財產保障規劃及適時

調整保險費率來增進市場競爭優勢的策略運用奏效，成長率

已由2010年之負成長率1.0%提高至正成長4.8%。

The gross written premium of TMNewa's fire insurance

totaled NTD890 million, grew by 4.8%. We continue

training professionals to offer well-planned property

insurances with loss prevention schemes; we also adjust

our rates according to the market to stay competitive.

Our growth rate had turned positive to 4.8% from the 2010

growth rate of -1%.

2011年自留保費為3.1億元，淨自留保險賠款為 1.8億

元，自留滿期損失率55.5%，核保利潤為73.6佰萬元，2011年

損失率較2010年減少7.1個百分點。

In 2011, our net premiums totaled NTD310 million,

retained claim payment was NTD180 million, net loss ratio

was 55.5% and underwriting profit was NTD73.6 million.

Our 2011 net loss ratio had decreased remarkably 7.1

percentages compared to 2010.

2012年預期因天災費率調整以致競爭更趨激烈，市場規

模短期內應無法擴大；同時亦考量全球天災發生頻率不斷提

高，本公司將在風險評估、費率適足的前提下，積極面對市

場競爭，並利用建置資訊系統協助提升工作效率，以達成年

度的經營目標。

We anticipate a more competitive year in 2012 for

the adjusted NAT CAT rate so that our market scale might

not be expanded in a short time. Meanwhile, considering

the increase of natural catastrophes worldwide, we will

face the competition with risk evaluation and sufficient

rates. Plus the enhanced efficiency helped by IT systems,

our business goal of 2012 can be achieved.

海上保險/ Marine Insurance2011年全市場海上保險簽單保費為98.9億元，成長

1.3%，其中貨物運輸險、商業動產流動綜合保險、內陸運輸

險及運送人責任險簽單保費為60.0億元，成長率為3.8%。

The 2011 market gross written premium of marine

insurance totaled NTD9.89 billion, grew by 1.3%; in which,

the gross written premium of cargo insurance, commercial

property floater insurance, inland transit insurance and

carrier's liability insurance totaled NTD6 billion, grew by

3.8%.

本公司全年海上保險簽單保費為3.8億元，負成長2.1%，

而貨物運輸險、商業動產流動綜合保險、內陸運輸險及運送

人責任險簽單保費為2.8億元，成長0.1%，主因是國內進出

口貿易增漲幅度已較2010年趨緩所致成長有限。另外，船體

險、漁船險及航空險簽單保費為1.1億元，負成長7.5%，係因

本公司對此業務採取審慎及減量經營之保守策略所致。

The gross written premium of TMNewa's marine

insurance totaled NTD380 million, decrease by 2.1%. Our

gross written premium of cargo insurance, commercial

property floater insurance, inland transit insurance and

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

Business Report15

Business Report


carrier's liability insurance totaled NTD280 million, grew

by 0.1%. This is mainly because the growth of trade

volume in 2011 was not as strong as in 2010; plus, the 7.5%

negative growth of marine hull insurance, fishing vessel

insurance and aviation insurance generated a gross

written premium of only NTD110 million. The reason is that

we were very careful in the business selection and took a

conservative strategy to reduce our business volume.

2011年自留保費為1.6億元，淨自留保險賠款為50.4佰萬

元，自留滿期損失率32.2%，核保利潤為62.6佰萬元。

Our 2011 net premiums totaled NTD160 mill ion,

retained claim payment was NTD50.4 million, net loss ratio

is 32.2% and underwriting profit totaled NTD62.6 million.

展望2012年，仍持續以貨物運輸險為發展主軸並全力

拓展良質業務，對於其他險種則著重風險考量而審慎篩選業

務，以「質量並重」的穩健經營策略，確保達成業績目標及

核保利潤。

In 2012, cargo insurance and the expansion of its

quality business will continue to be our main concern. As

for other insurances, quality is as significant as quantity

according to our business strategy. As a result, attention

will be paid at risk evaluation and business quality

selection to make sure that our business goals and

underwriting profit can be achieved.

新種保險/ Miscellaneous Insurance新種保險2011年全市場簽單保費為134.2億元，較2010

年成長3.5%，其中工程險簽單保費為44.3億元，全年度成長

7.3%，主因係來自多項大型公共工程建設及民間投資高科技

廠房等。責任險簽單保費為68.1億元，成長10.2%，其成長來

自於汽車延長保固險、董監事責任險及外銷產品責任險的費

率調整，以及僱主補償責任險保費持續增加。其他險簽單保

費為21.8億元，負成長18.1%，主要係貿易信用險費率調降所

致。

T h e 2 0 1 1 m a r k e t g r o s s w r i t t e n p r e m i u m o f

miscellaneous insurance totaled NTD13.42 billion, grew

by 3.5% compared to 2010. The gross written premium

of engineering insurance totaled NTD4.43 billion with a

7.3% growth, and was mainly benefited from a number

of sizable public constructions and private investment

of high-tech factories. The gross written premium of

liability insurance totaled NTD6.81 billion with a 10.2%

growth, which was contributed by the rate adjustments

of automobile extended warranty contractual liability

insurance, directors and officers insurance and exports

liability insurance as well as the increasing premium rate of

employers' liability insurance. The gross written premium

of other insurance totaled NTD2.18 billion, decreased by

18.1%, mainly due to the rate reduction of the trade credit

insurance.

本公司2011年新種保險簽單保費為7.4億元，負成長

5.6%，工程險簽單保費為1.5億元，成長率為負3.5%。責任險

簽單保費為2.7億元，成長5.7%，主要係公共意外責任險、僱

主責任險受到市場費率劇烈競爭，成長率低於市場。其他險

簽單保費為3.1億元，負成長14.5% ，主要是貿易信用險費率

調降之因素。

The gross written premium of TMNewa's miscellaneous

insurance reduced by 5.6% and totaled NTD740 million;

the gross written premium of engineering insurance

reduced by 3.5% and totaled NTD150 million; the gross

written premium of liability insurance increased by 5.7%

and totaled NTD270 million. Our growth rates of public

liability insurance and employers' liability insurance

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

Business Report

16Business Report


Business Report

were below the market rates because of the intense

pricing competition. The gross written premium of other

insurance decreased by 14.5% and totaled NTD310 million

by reason of the rate reduction of trade liability insurance.

2011年新種保險自留保費為3.2億元，淨自留保險賠款為

1.3億元，自留滿期損失率40.6%，雖較2010年上升9.8個百分

點，但仍達到經營目標，核保利潤為94.9佰萬元。

The net premiums of TMNewa's miscellaneous

insurance totaled NTD320 mil l ion, retained claim

payment was NTD130 million and net loss ratio was 40.6%.

Regardless of the 9.8 percentages increase in the loss

ratio, we reached our business goal with underwriting

profit of NTD94.9 million.

面對2012年，工程險在預期政府公共工程及民間投資

將減緩，巿場規模不易擴大，低費率的市場環境短期內難有

突破，故將致力加強風險評估，持續提供優勢費率及條件積

極開發中小型業務。責任險及其他險方面，適時調整報價條

件以鞏固及拓展業務，同時輔以資訊系統強化報價效率及落

實續保管理，即時反應市場需求，創造競爭優勢，期能達成

2012年保費收入及核保利潤目標。

For 2012, expansion of engineering insurance will

be limited due to the expected reduction in both public

constructions and private investments. Expansion is also

difficult with a low market rate; therefore, efforts will be

put into risk evaluation and the exploring business of

small-and-medium size with better rates and offerings. As

for liability insurance and other insurance, quoted prices

and offering will be adjusted timely to consolidate and

expand our business. Moreover, IT systems will help with

quoting efficiency and renewal management, as well as

the quick reaction to the market to create competitive

advantage. We look forward to achieving our goals of

premium income and underwriting profit.

傷害暨健康保險/ Accident and Health Insurance

2011年全市場傷害暨健康保險簽單保費為137.2億元，較

2010年成長9.4%，為近3年來成長率首次低於10%以下。本公

司簽單保費為5.8億元，成長5.4%。

The 2011 market gross written premium of accident

and health insurance grew by 9.4% and totaled NTD13.72

billion, of which the growth rate dropped below 10%

for the first time in the recent three years. TMNewa's

gross written premium totaled NTD580 million with a 5.4%

growth.

2011年自留保費為5.7億元，淨自留保險賠款為2.7億

元，自留滿期損失率在延續損率控管及業務品質篩選為重的

策略下，已由2010年之48.3%再下降至47.5%；核保利潤則由

2010年虧損43.5佰萬元，提高至盈餘18.1佰萬元。

In 2011, net premium was NTD570 million, retained

claim payment was NTD270 million. Net loss ratio had

decreased from 48.3% of 2010 to 47.5% of 2011, and

underwriting profit had increased from a net loss of

NTD43.5 million in 2010 to a net profit of NTD18.1 million.

鑑於損失率控管等相關措施已於2010及2011年發揮效

能，讓本險種業務品質有明顯改善；2012年傷害暨健康保險

仍將秉持此策略，持續拓展良質通路，改善理賠及續保服務

品質，開發差異化商品加強區隔市場，讓2012年度的經營目

標能順利達成。

Loss control scheme had shown its effects in 2010

and 2011 and greatly improved the business quality of

accident and health insurance. We will stay with our

strategies in 2012 and keep on exploring distribution

channels of good qualities, improving the claim and

renewal service and developing diversified products for

each market segment; so that 2012 business goals can be

achieved.

強化競爭力創造新價值 Strengthen competitiveness, Create new values「創新經營、專業效率、心安信賴、永續卓越」的核心

價值，及堅持採取嚴謹、穩健及創新的經營策略，是本公司

Business Report

2009 2010 20112007 2008 年度

82.3% 83.7%82.5%

71.0% 69.9%69.4%

3.7%9.0%

6.9%6.9%9

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

2009 2010 20112007 2008

11.8%10.0%

-0.7%

-5.2%10.5%

2.3% 4.8%

12.5% -2.1%

-5.6%10.3%

-3.4%8.2%

6.5% 5.4%

800,000

700,000

-5.0%

0.0%

10.0%

15.0%

5.0%

20.0%

47.4%

23.5%

17Business Report


在面對市場不同挑戰時，2011年整體成長能與業界平均水準

並駕齊驅的主要因素。

In accordance with its core values: “Brand-new,

Efficiency, Safety, Top”, TMNewa insists in a prudent,

steady and innovative business strategy. Therefore, our

growth in 2011 can keep up with the industry while facing

different challenges in the market.

面對市場競爭，本公司仍不斷要求商品創新，以符合消

費者需求為導向，力求商品能多元化、差異化以達到市場區隔

之效益，並適時調整商品費率以確保市場競爭力；理賠服務方

面，隨著差異化服務件數逐年增加，本公司亦持續推動理賠管

理e化作業及增加理賠人力，以維持理賠整體效率與品質；風

險管理方面，與國立政治大學商學院風險與保險研究中心配

合，為本公司量身設計員工及董、監事必須知悉之相關風險管

理及保險經營課程，除提升員工對保險經營更深層的認識外，

也藉由此課程提供董、監事關於風險管理的專業知識，發揮董

事會功能及提高公司治理層級。同時也配合主管機關對風險管

理的法令要求，增修各項風險作業之內部控制作業，以落實風

險管控。人才培育方面，人才是公司重要資產之一，本公司除

不間斷地培養具備職位核心能力的保險專業人才，並即時提供

營業同仁們所需的商品、銷售、法令等構面的實務教育訓練，

以提供客戶最完善的服務；社會責任方面，關懷偏遠地區弱勢

學童，結合社會資源與企業志工推動各項社區服務，是我們

「深耕社區關懷社會」理念的實踐，並由交通導護志工、捐

贈學習教材、贊助師生課輔經費、聘請當地原住民人士擔任課

輔老師等具體行動以回饋社會。

In reaction to competition, we pursue for product

innovation to be customer-oriented, as well as diversified,

differentiated to benefit from market segmentation.

Our rates are modified timely to stay competitive in the

market. For claim service, with the gradual increase of

differentiated service cases, we keep on computerizing

claim management and increasing manpower to

maintain the claim efficiency and quality. For risk

management, assisted by Risk and Insurance Research

Center of NCCU, courses relating to risk management

and insurance are offered to board members for their

knowledge in risk control. Also, in response to the risk

management legal requests by authorities, internal

control of risk management is implemented to meet such

demands. For staff training, human resource is a vital

asset to a corporation; therefore, cultivating insurance

professionals is a perpetual work of the company.

Education regarding products, sales and regulations is

provided for the sales personnel to provide customers the

best service. For corporate social responsibility, we realize

our CSR spirit of contributing to our neighborhood and our

society by various volunteering and charity activities such

as guarding children to cross streets after school, donating

learning materials, sponsoring after-school programs and

hiring local adults to teach in remote areas⋯etc. with the

aggregation of social and corporate resources.

如何在激烈的市場競爭環境中持續成長、面對全球氣候

丕變導致巨災風險與經營成本增加、維護全體股東及客戶的

權益，是本公司時時關注的課題。因應這些課題，本公司於

2012年會持續強化與市場競爭的優勢，不斷尋求競爭力的改

進及創新，因為唯有在紮實基礎下所建立的長期競爭優勢，

再配合穩健的成長策略、審慎開發良質業務、培育人才提升

專業能力、積極創新差異化商品、大力推展多元銷售通路，

才能維持市場競爭優勢、提高保費成長以保持市場地位，並

確保核保利潤。因紮實經營的精神，努力創造股東利潤及堅

持對客戶心安信賴的承諾，是厚實公司永續經營的基石。

To grow in severe market competition, to face

the increasing cost for climate change and natural

catastrophes, and to maintain the rights and interests

of shareholders and customers are the three major

concerns of the company. In 2012, we keep on

st rengthening our competi t ive advantages with

improvement and innovation, so that we can have a

solid base for a long-term competition. Moreover, our

steady growth strategies, selected quality business,

innovative differentiated products and diversified sales

channels will maintain our competitiveness and raise our

premium income growth so as to remain our position in

the industry and our underwriting profit. The solid business

spirit of being profitable for shareholders and reliable for

customers is the cornerstone for a perpetual enterprise.

1. 市場數據資料來源：產險公會 Source of market statistics: The Non-Life Insurance Association of ROC2. 各險種數據資料來源：新安東京海上產險分險損益表Source of the statistics of each line of business: The income statement by line of business of TMNewa.

Business Report



Supervisors' Report

監察人審查報告 Supervisors' Report

Supervisors' Report19

Company Advantages

會計師查核報告 Independent Auditors' Report

Independent Auditors' ReportIndependent Auditors' Report



Balance Sheets

資產負債表 BALANCE SHEETS民國一百年及九十九年十二月三十一日 DECEMBER 31, 2011 AND 2010

一百年十二月三十一日 2011 九十九年十二月三十一日 2010

資產 ASSETS 金額Amount % 金額Amount %

現金 CASH $4,129,073,222 27 $4,037,892,601 26

應收款項 RECEIVABLE

應收票據－淨額 Notes receivable, net 151,232,588 1 138,646,698 1

應收保費－淨額 Premiums receivable, net 671,969,615 5 605,778,536 4

應攤回再保賠款及給付－淨額 Claim recoverable form reinsurers, net 95,003,154 1 60,704,125 -

應收再保往來款項－淨額 Due form reinsurers and ceding companies, net 48,883,033 - 73,729,791 1

應收利息及收益 Interest and earned revenue receivable 46,331,925 - 44,367,741 -

其他應收款－淨額 Other receivalble, net 16,680,480 - 15,366,964 -

應收款項合計 Total receivable 1,030,100,795 7 938,593,855 6

投資 INVESTMENTS

公平價值變動列入損益之金融資產 Financial assets at fair value through profit or loss 1,005,975,082 7 1,227,740,724 8

備供出售金融資產 Available-for-sale financial assets 2,468,215,544 16 2,629,426,498 17

以成本衡量之金融資產 Financial assets carried at cost 395,794,314 3 412,404,091 3

無活絡市場之債券投資 Bond investments with no active market 19,800,000 - 19,800,000 -

持有至到期日金融資產 Held-to-maturity financial assets 2,890,679,124 19 2,525,850,710 17

其他金融資產 Other financial assets 355,726,540 2 289,933,149 2

不動產投資－淨額 Real estate investments, net 60,217,217 - 69,873,732 -

放款－淨額 Loans, net 10,237,115 - 46,060,140 -

投資合計 Total investment 7,206,644,936 47 7,221,089,044 47

再保險準備資產－淨額 RESERVE FOR REINSURANCE ASSET

分出未滿期保費準備 Reserve-ceding unearned premiums 610,291,329 4 628,283,032 4

分出賠款準備 Reserve-ceding claim 659,711,631 4 821,341,322 6

再保險準備資產－淨額合計 Total reserve for reinsurance asset, net 1,270,002,960 8 1,449,624,354 10

固定資產－淨額 PROPERTIES

土地 Land 737,000,775 5 700,223,462 5

房屋及建築 Buildings 375,481,742 2 374,711,378 2

生財器具 Office equipment 167,668,610 1 167,710,941 1

交通及運輸設備 Transportation equipment 10,725,378 - 12,577,232 -

其他設備 Miscellaneous equipment 3,348,521 - 3,348,521 -

租賃權益改良 Leasehold improvements 10,458,320 - 4,455,000 -

成本合計 Total acquisition cost 1,304,683,346 8 1,263,026,534 8

減：累計折舊 Less:Accumulated depreciation 217,419,027 1 207,205,049 1

租賃資產－淨額 Lease assets, net 417,004 - 568,755 -

預付設備款 Prepayments for equipment 7,626,880 - 4,400,080 -

固定資產－淨額合計 Total properties, net 1,095,308,203 7 1,060,790,320 7

無形資產 INTANGIBLE ASSETS

電腦軟體成本 Computer software cost 8,777,785 - 12,670,422 -

遞延退休金成本 Deferred pension cost 5,688,647 - 7,599,471 -

無形資產合計 Total intangible assets 14,466,432 - 20,269,893 -

其他資產 OTHERS ASSETS

預付款項 Prepayments 481,044 - 509,477 -

存出保證金 Refundable deposits 546,155,093 4 534,964,311 4

遞延所得稅資產 Deferred income tax assets 28,621,240 - 19,529,597 -

其他資產 Other assets 16,462,067 - 8,755,662 -

其他資產合計 Total other assets 591,719,444 4 563,759,047 4

資產總計 TOTAL $ 15,337,315,992 100 $15,292,019,114 100

Balance Sheets21

Company Advantages

Balance Sheets

資產負債表 Balance Sheets

單位：新臺幣元(In New Taiwan Dollars)

一百年年十二月三十一日 2011 九十九年十二月三十一日 2010

負債及股東權益 LIABILITIES AND SHAREHOLDERS’ EQUITY 金額Amount % 金額Amount %

應付款項 PAYABLES

應付票據 Notes payable $324,441 - $99,659 -

應付保險賠款與給付 Claims payable 1,400,035 - 3,741,796 -

應付再保賠款與給付 Reinsurance indemnity payments payable 19,500,124 - 22,352,845 -

應付佣金及手續費 Commissions payable and fees 214,341,723 1 189,976,949 1

應付再保往來款項 Due to reinsurers and ceding companies 308,726,226 2 254,841,871 2

應付費用 Accrued expenses 292,527,538 2 302,649,607 2

應付所得稅 Income tax payable 107,414,495 1 130,644,960 1

其他應付款 Other payable 19,960,127 - 6,370,175 -

應付款項合計 Total payable 964,194,709 6 910,677,862 6

公平價值變動列入損益之金融負債 FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS 33,645,669 - - -

負債準備 RESERVES FOR LIABILITIES

未滿期保費準備 Unearned premium reserves 4,192,361,535 27 3,981,311,294 26

賠款準備 Claim reserves 2,285,123,381 15 2,197,966,683 14

特別準備 Special reserves 3,392,522,973 22 3,815,637,134 25

保費不足準備 Premium deficiency reserves 350,975 - 3,290,877 -

負債準備合計 Total reserves for liabilities 9,870,358,864 64 9,998,205,988 65

其他負債 OTHER LIABILITIES

預收款項 Receipts in advance 362,045 - 407,497 -

存入保證金 Guarantee deposit received 740,000 - 890,426 -

營業損失準備 Operating reserves 101,904,733 1 101,904,733 1

應計退休金負債 Accrued pension cost 89,909,267 1 80,577,747 1

其他負債 Other liability 41,105,226 - 36,818,741 -

其他負債合計 Total other liabilities 234,021,271 2 220,599,144 2

負債合計 Total liabilities 11,102,220,513 72 11,129,482,994 73

股東權益 SHAREHOLDERS' EQUITY

股本－每股面額10元，額定600,000,000股；發行 Capital stock - $10 par value

　299,009,900股 Authorized - 600,000,000 shares,issued and outstanding - 299,009,900 shares 2,990,099,000 20 2,990,099,000 20

資本公積－合併溢額 Capital surplus, from merger 221,493,925 1 221,493,925 1

保留盈餘 Retained earnings

法定盈餘公積 Legal reserve 401,163,964 3 277,815,268 2

特別盈餘公積 Special reserve 247,876,276 2 - -

未分配盈餘 Unappropriated earnings 502,760,894 3 616,750,211 4

保留盈餘合計 Total retained earnings 1,151,801,134 8 894,565,479 6

金融商品之未實現(損)益 Unrealized gains (losses) on financial instruments (128,298,580) (1) 56,377,716 -

股東權益合計 Total shareholders’ equity 4,235,095,479 28 4,162,536,120 27

負債及股東權益總計 TOTAL $15,337,315,992 100 $15,292,019,114 100

董事長：陳忠鏗經理人：陳潤智會計主管：馬慈婉

Balance Sheets



損益表 STATEMENTS OF INCOME民國一百年及九十九年一月一日至十二月三十一日 YEARS ENDED DECEMBER 31, 2011 AND 2010

一百年度2011 九十九年度2010

金額Amount % 金額Amount %

營業收入 OPERATING REVENUES

簽單保費收入 Direct insurance premium revenues $ 8,264,065,855 117 $ 7,727,927,691 115

再保費收入 Reinsurance premium inward 351,419,676 5 369,993,853 5

保費收入 Premium revenues 8,615,485,531 122 8,097,921,544 120

減：再保費支出 Less: Reinsurance premium outward (1,696,715,638) (24) (1,736,381,274) (25)

未滿期保費準備淨變動 Movement of unearned premium reserve (229,041,944) (3) (192,024,680) (3)

自留滿期保費收入 Retained earned premium 6,689,727,949 95 6,169,515,590 92

再保佣金收入 Reinsurance commission earned 195,124,099 3 214,990,990 3

手續費收入 Handling fee earned 10,884,917 - 11,129,073 -

淨投資損益 Net gains (losses) on investments

利息收入 Interest income 167,466,261 2 172,092,867 3

金融資產評價(損失)利益 Gains (losses) on valuation of financial assets (105,475,446) (2) 33,017,700 -

金融負債評價(損失)利益 Gains (losses) on valuation of financial liabilities (33,645,669) (1) 889,322 -

兌換(損失)利益 Foreign exchange gains (losses) 45,842,043 1 (214,384,163) (3)

處分投資利益 Gains on disposal of investments 111,744,800 2 343,230,965 5

不動產投資利益 Income from real estate investments 3,746,049 - 7,566,275 -

金融資產減損損失 Losses on impairment of financial assets (29,999,089) - - -

淨投資損益合計 Net investment gain 159,678,949 2 342,412,966 5

其他營業收入 Other operating revenues 837,756 - 509,028 -

營業收入合計 Total operating revenues 7,056,253,670 100 6,738,557,647 100

營業成本 OPERATING COSTS

保險賠款與給付 Claims incurred 4,300,293,578 61 4,921,607,604 73

減：攤回再保賠款與給付 Less: Claims recovered from reinsurers (593,455,449) (8) (1,610,195,665) (24)

自留保險賠款與給付 Retained Claims 3,706,838,129 53 3,311,411,939 49

負債準備淨變動 Movement of liability reserves

賠款準備淨變動 Movement of claims reserve 248,786,389 3 56,357,763 1

特別準備淨變動 Movement of special reserve (423,114,161) (6) 185,608,171 2

保費不足準備淨變動 Movement of deficiency premium reserve (2,939,902) - 2,248,847 -

負債淨準備變動合計 Total movement of liability reserves (177,267,674) (3) 244,214,781 3

佣金費用 Commission expenses 1,145,158,506 16 1,078,289,883 16

其他營業成本 Other operating cost 16,925,247 - 42,400,503 1

營業成本合計 Total operating costs 4,691,654,208 66 4,676,317,106 69

營業毛利 GROSS MARGIN 2,364,599,462 34 2,062,240,541 31

Statements of Income23

Company Advantages

損益表 Statements of Income

單位：新臺幣元(In New Taiwan Dollars)

一百年度2011 九十九年度2010

金額Amount % 金額Amount %

營業費用 OPERATING EXPENSES

業務費用 Operating 1,267,939,957 18 1,227,973,215 19

管理費用 Administrative 213,471,858 3 212,634,640 3

員工訓練費用 Training 4,685,881 - 2,761,390 -

營業費用合計 Total operating expenses 1,486,097,696 21 1,443,369,245 22

營業利益 OPERATING INCOME 878,501,766 13 618.871,296 9

營業外收入及利益 NONOPERATING INCOME 12,384,246 - 20,604,487 -

營業外費用及損失 NONOPERATING EXPENSES AND LOSSES 10,852,766 - 2,777,230 -

稅前純益 INCOME BEFORE INCOME TAX 880,033,246 13 636,698,553 9

所得稅費用 INCOME TAX 129,670,464 2 19,955,075 -

本期淨利 NET INCOME $ 750,362,782 11 $ 616,743,478 9

每股盈餘 EARNINGS PER SHARE稅前Before

Income Tax

稅後After

Income Tax

稅前Before

Income Tax

稅後After

Income Tax

基本每股盈餘 Basic $ 2.94 $ 2.51 $ 2.13 $ 2.06

董事長：陳忠鏗經理人：陳潤智會計主管：馬慈婉

Statements of Income



Organization

總經理特助Special Assistant to the President

傷害暨健康保險部

A&

H Insurance D

ept.

再保暨商品支援部

Reinsurance D

ept.

客服中心

Custom

er Service C

enter

營業發展部

Business D

evelopment D

ept.

日系營業部

Japanese Business P

roduction Dept.

日系營業

Japanese Business

北一區營業轄區

Taipei Production R

egion I

北二區營業轄區

板橋分公司

Taipei Production R

egion IIP

anchiao Branch

桃竹苗區營業轄區

桃園分公司

Taoyuan/Hsinchu/M

iaoli P

roduction Region

Taoyuan Branch

中彰投區營業轄區

台中分公司

Taichung/Changhua/N

antou P

roduction Region

Taichung Branch

雲嘉南區營業轄區

台南分公司

Yunlin/C

hiayi/Tainan Production

Region

Tainan Branch

高鳳屏區營業轄區

高雄分公司

Kaohsiung/F

engshan/Pingtung

Production R

egionK

aohsiung Branch

總經理特助

Special A

ssistant to the President

傷害暨健康保險

A&

H Insurance

個人保險商品群

Personal Lines G

roup

企業體保險商品群

Com

mercial Lines G

roup

綜合企劃管理群

Corporate P

lanning &

Managem

ent Group

資訊總務管理群

MIS

/Adm

inistration Group

資源管理群

Resource M

anagement G

roup

精算部

Actuarial D

ept.

風險管理部

Risk M

anagement D

ept.

企劃部

Corporate P

lanning Dept.

資訊部

MIS

Dept.

總務部

Adm

inistration Dept.

個人保險部

Personal Lines D

ept.

汽車險理賠部

Motor C

laims D

ept.

人力資源部

Hum

an Resource D

ept.

投資部

Investment D

ept.

財務部

Finance and A

ccounting Dept.

火災保險部

Fire Insurance D

ept.

新種險保險部

Miscellaneous Insurance D

ept.

海上保險部

Marine Insurance D

ept.

貿易信用部

Trade Credit Insurance D

ept.

高雄營業一部

Kaohsiung P

roduction Dept. I

高雄營業三部

Kaohsiung P

roduction Dept. III

屏東營業部

Pingtung P

roduction Dept.

高雄營業服務部

Kaohsiung P

roduction Service D

ept.

台北營業一部

Taipei Production D

ept. I

台北營業二部

Taipei Production D

ept. II

內湖營業部

Neihu P

roduction Dept.

台北營業服務部

Taipei Production S

ervice Dept.

台中營業一部

Taichung Production D

ept. I

台中營業二部


ept. II

台中營業服務部

Taichung Production S

ervice Dept.

桃園營業部

Taoyuan Production D

ept.

新竹營業部

Hsinchu P

roduction Dept.

桃園營業服務部

Taoyuan Production S

ervice Dept.

板橋營業一部

Panchiao P

roduction Dept. I

板橋營業二部

Panchiao P

roduction Dept. II

板橋營業服務部

Panchiao P

roduction Service D

ept.

台南營業部

Tainan Production D

ept.

嘉義營業部

Chiayi P

roduction Dept.

台南營業服務部

Tainan Production S

ervice Dept.

股東會Shareholders

董事會Board of Directors

監察人Supervisors

風險管理委員會Risk Management Committee

董事長Chairman

總經理President

銷售體系Production System

稽核室Auditing Dept.總稽核副總經理

Chief Auditor/Senior VP

商品體系Product System

後勤體系Back Office Support System

Organization25

Company Advantages

Organization

公司組織圖 Organization

總經理特助Special Assistant to the President

傷害暨健康保險部

A&

H Insurance D

ept.

再保暨商品支援部

Reinsurance D

ept.

客服中心

Custom

er Service C

enter

營業發展部

Business D

evelopment D

ept.

日系營業部

Japanese Business P

roduction Dept.

日系營業

Japanese Business

北一區營業轄區

Taipei Production R

egion I

北二區營業轄區

板橋分公司

Taipei Production R

egion IIP

anchiao Branch

桃竹苗區營業轄區

桃園分公司

Taoyuan/Hsinchu/M

iaoli P

roduction Region

Taoyuan Branch

中彰投區營業轄區

台中分公司

Taichung/Changhua/N

antou P

roduction Region

Taichung Branch

雲嘉南區營業轄區

台南分公司

Yunlin/C

hiayi/Tainan Production

Region

Tainan Branch

高鳳屏區營業轄區

高雄分公司

Kaohsiung/F

engshan/Pingtung

Production R

egionK

aohsiung Branch

總經理特助

Special A

ssistant to the President

傷害暨健康保險

A&

H Insurance

個人保險商品群

Personal Lines G

roup

企業體保險商品群

Com

mercial Lines G

roup

綜合企劃管理群

Corporate P

lanning &

Managem

ent Group

資訊總務管理群

MIS

/Adm

inistration Group

資源管理群

Resource M

anagement G

roup

精算部

Actuarial D

ept.

風險管理部

Risk M

anagement D

ept.

企劃部

Corporate P

lanning Dept.

資訊部

MIS

Dept.

總務部

Adm

inistration Dept.

個人保險部

Personal Lines D

ept.

汽車險理賠部

Motor C

laims D

ept.

人力資源部

Hum

an Resource D

ept.

投資部

Investment D

ept.

財務部

Finance and A

ccounting Dept.

火災保險部

Fire Insurance D

ept.

新種險保險部

Miscellaneous Insurance D

ept.

海上保險部

Marine Insurance D

ept.

貿易信用部

Trade Credit Insurance D

ept.

高雄營業一部

Kaohsiung P

roduction Dept. I

高雄營業三部

Kaohsiung P

roduction Dept. III

屏東營業部

Pingtung P

roduction Dept.

高雄營業服務部

Kaohsiung P

roduction Service D

ept.

台北營業一部

Taipei Production D

ept. I

台北營業二部

Taipei Production D

ept. II

內湖營業部

Neihu P

roduction Dept.

台北營業服務部

Taipei Production S

ervice Dept.

台中營業一部


ept. I

台中營業二部


ept. II

台中營業服務部

Taichung Production S

ervice Dept.

桃園營業部

Taoyuan Production D

ept.

新竹營業部

Hsinchu P

roduction Dept.

桃園營業服務部

Taoyuan Production S

ervice Dept.

板橋營業一部

Panchiao P

roduction Dept. I

板橋營業二部

Panchiao P

roduction Dept. II

板橋營業服務部

Panchiao P

roduction Service D

ept.

台南營業部

Tainan Production D

ept.

嘉義營業部

Chiayi P

roduction Dept.

台南營業服務部

Tainan Production S

ervice Dept.

股東會Shareholders

董事會Board of Directors

監察人Supervisors

風險管理委員會Risk Management Committee

董事長Chairman

總經理President

銷售體系Production System

稽核室Auditing Dept.總稽核副總經理

Chief Auditor/Senior VP

商品體系Product System

後勤體系Back Office Support System

資料基準日 Date as of：2012/05/24

Organization



ManagementDirectors & Supervis

第五屆董事及監察人名單 Directors & Supervisors of the 5th Term(第五屆董監事任期至2014/05/24止)

董事長陳忠鏗 Chairman Chung-Keng Chen

榮譽副董事長吳建立Honorary Vice Chairman Chien-Li Wu

榮譽副董事長 Lee King Chi ArthurHonorary Vice Chairman Arthur Lee

董事陳國榮Director Kuo-Rong Chen

董事蔡文榮Director Wen-Rong Tsay

董事陳昭文Director Chao-Wen Chen

董事張世和Director Shih-Ho Chang

董事江展魁Director Chank-kuei Chiang

董事陳潤智Director Ren-Tze Chen

董事遠藤寬Director Hiroshi Endo

董事戶田慎吾Director Shingo Toda

董事小島千里Director Chisato Kojima

董事坪田幸一Director Koichi Tsubota

董事清水威Director Takeshi Shimizu

監察人林正宗Supervisor Cheng-Tsung Lin

監察人蕭明輝Supervisor Ming-Huei Hsiao

監察人 Huang Dong MinSupervisor Joanne Huang

董事長陳忠鏗 Chairman Chung-Keng Chen

榮譽副董事長吳建立 Honorary Vice Chairman Chien-Li Wu

榮譽副董事長 Lee King Chi Arthur Honorary Vice Chairman Arthur Lee

Directors & Supervisors of the 5th Term27

Company Advantages

Management

主要經理人 Management

Directors & Supervis

總經理陳潤智PresidentRen-Tze Chen

商品體系副總經理簡仲明Senior Vice PresidentJeremy J.M. Kan

副總經理坪田幸一 Senior Vice PresidentKoichi Tsubota

銷售體系副總經理黃漢強Senior Vice PresidentHan-Chiang Huang

總稽核林裕村Chief Auditor Vico Lin

後勤體系副總經理馬慈婉Senior Vice PresidentJessica Ma

Management



Management

協理蔡興華Vice PresidentShing-Hua Tsai 協理許慶為

Vice PresidentChin-Wei Hsu協理何明坤

Vice PresidentGary Ho

協理清水威Vice PresidentTakeshi Shimizu

協理江忠和Vice PresidentCharles Chiang

協理曾淑惠Vice PresidentLillian Tseng

協理王文昌Vice PresidentWinstone Wang

Management29

Company Advantages

Management

主要經理人 Management

協理賴書章Vice PresidentS.C. Lai

協理李琦益Vice PresidentJack Lee

協理林榮泰Vice PresidentJason Lin

協理林俊興Vice PresidentRobin C.H. Lin 協理呂文泉

Vice PresidentAnthony Lu

協理胡素禎Vice President Su-Chen Hu

協理李顯明Vice PresidentHsien-Ming Lee


Management



Department Heads

稽核室石惠娥資深經理Auditing Dept. Senior Manager Jessica Shih

企劃部孫蔚雯代經理Corporate Planning Dept. Acting Manager Barbara Sun

資訊部黃順昌代經理MIS Dept. Acting Manager Steven Huang

財務部李立文經理Finance and Accounting Dept. Manager Leon Lee

人力資源部胡杰森經理Human Resource Dept. Manager Jason Hu

投資部蔡志明資深經理Investment Dept. Senior Manager Jimmy Tsai

總務部胡更義經理Administration Dept. Manager Jim Hu

精算部戚宜民經理Actuarial Dept. Manager Jimmy Chi

風險管理部許煌明經理Risk Management Dept. Manager Luke Hsu

火災保險部李春祥資深經理Fire Insurance Dept. Senior Manager Raymond Lee

新種保險部徐盛銅代經理Miscellaneous Insurance Dept. Acting Manager Alex Hsu

海上保險部王昭文經理Marine Insurance Dept. Manager Alice Wang

再保暨商品支援部曾鈺蒨資深經理Reinsurance Dept. Senior Manager Sunny Tseng

個人保險部徐顯武經理Personal Lines Dept. Manager Victor Hsu

汽車險理賠部何民青經理Motor Claims Dept. Manager Min-Ching Ho

傷害暨健康保險部戴嶸釗代經理A&H Insurance Dept. Acting Manager Arball Tai

客服中心李顯明協理(兼)Customer Service Center Vice President Hsien-Min Lee

貿易信用部林俊興協理(兼)Trade Credit Insurance Dept. Vice President Robin C.H. Lin

營業發展部單正寰資深經理Business Development Dept. Senior Manager Ken San

日系營業部戴知本代經理Japanese Business Production Dept. Acting Manager Chih-Ben Tai

Department Heads31

Company Advantages

Department Heads

各部門主管 Department Heads

台北營業一部林立仁資深經理Taipei Production Dept.Ⅰ Senior Manager Li-Jen Lin

台北營業二部魏青暉經理Taipei Production Dept.Ⅱ Manager Ching-Hui Wei

內湖營業部林群泰經理Neihu Production Dept. Manager Tiger Lin

台北營業服務部何明坤協理(兼)Taipei Production Service Dept. Vice President Gary Ho

板橋營業一部胡金成經理Panchiao Production Dept. I Manager Chin-Chen Hu

板橋營業二部金仁瑞經理Panchiao Production Dept.Ⅱ Manager Jen-Jui Chin

板橋營業服務部蔡興華協理(兼)Panchiao Production Service Dept. Vice President Shing-Hua Tsai

桃園營業部黃育漢資深經理Taoyuan Production Dept. Senior Manager Hans Huang

新竹營業部莊燦塗代經理Hsinchu Production Dept. Acting Manager Tsan-Tu Chuang

桃園營業服務部江忠和協理(兼)Taoyuan Production Service Dept. Vice President Charles Chiang

台中營業一部楊欽堯資深經理Taichung Production Dept.Ⅰ Senior Manager Jack Yang

台中營業二部魯振國代經理Taichung Production Dept.Ⅱ Acting Manager Chen-Kuo Lu

台中營業服務部許慶為協理(兼)Taichung Production Service Dept. Vice President Chin-Wei Hsu

台南營業部陳盈州資深經理Tainan Production Dept. Senior Manager Yin-chou Chen

嘉義營業部李木生經理Chiayi Production Dept. Manager M.S. Lee

台南營業服務部柯孫熒資深經理Tainan Production Service Dept. Senior Manager Sun-Ying Ko

高雄營業一部王文龍經理Kaohsiung Production Dept.Ⅰ Manager Roy Wang

高雄營業三部林文志經理Kaohsiung Production Dept.Ⅲ Manager Dennis Lin

屏東營業部鄧政信代經理Pingtung Production Dept. Acting Manager Cheng-Hsin Teng

高雄營業服務部王文昌協理(兼)Kaohsiung Production Service Dept. Vice President Winstone Wang


Department Heads

32 Headquarter & Branch OfficesCompany Advantages


總公司Headquarters（內含台北營業一、二部、台北營業服務部）

10488 台北市中山區南京東路三段130號8-13樓8-13F., No. 130, Sec. 3, Nanjing E. Rd., Zhongshan District, Taipei City 10488Tel：02-8772-7777 Fax：02-2776-5733

板橋分公司 Panchiao Branch Office（內含板橋營業一、二部、板橋營業服務部）

22063 新北市板橋區中山路一段69號5樓5F., No.69, Sec. 1, Zhongshan Rd., Panchiao District, New Taipei City 22063Tel：02-2951-6339 Fax：02-2951-6559

桃園分公司 Taoyuan Branch Office（內含桃園營業部及桃園營業服務部）

33045 桃園縣桃園市中正路1071號12樓之112F-1, No. 1071, Zhongzheng Rd., Taoyuan City, Taoyuan County 33045 Tel：03-317-6671 Fax：03-358-9821

台中分公司 Taichung Branch Office（內含台中營業一、二部、台中營業服務部）

40457 台中市北區進化北路240號No.240, Jinhua N. Rd., North District, Taichung City 40457Tel：04-2234-1399 Fax：04-2234-1699

台南分公司 Tainan Branch Office（內含台南營業部及台南營業服務部）

71067 台南市永康區中正南路30號16樓16F., No. 30, Zhongzheng S. Rd., Yongkang District, Tainan City 71067Tel：06-251-1212 Fax：06-251-0202

高雄分公司 Kaohsiung Branch Office（內含高雄營業一部及高雄營業服務部）

81366 高雄市左營區裕誠路394號7樓7F., No. 394, Yucheng Rd., Zuoying District, Kaohsiung City 81366Tel：07-558-7233 Fax：07-558-7235

內湖營業部 Neihu Production Dept.11490 台北市內湖區民權東路六段160號9樓9F., No. 160, Sec. 6, Minquan E. Rd., Neihu District, Taipei City 11490Tel：02-2794-5268 Fax：02-2794-5289

士林通訊處 Shilin Liaison Office11167 台北市士林區承德路四段237號2樓2F., No. 237, Sec. 4, Chengde Rd., Shilin District, Taipei City 11167Tel：02-2880-2318 Fax：02-2881-5476

新店通訊處 Xindian Liaison Office23144 新北市新店區中興路三段3號9樓9F., No. 3, Sec.3, Zhongxing Rd., Xindian District , New Taipei City 23144Tel：02-8919-9539 Fax：02-8919-9540

基隆通訊處 Keelung Liaison Office20145 基隆市信義區信一路132號9樓之19F-1, No. 132, Xin 1st Rd., Xinyi District, Keelung City 20145Tel：02-2425-1929 Fax：02-2425-3115

新莊通訊處 Xinzhuang Liaison Office24249 新北市新莊區中華路二段11號6樓6F., No. 11, Sec. 2, Zhonghua Rd., Xinzhuang District, New Taipei City 24249Tel：02-2276-2366 Fax：02-2991-7658

雙和通訊處 Shuanghe Liaison Office23444 新北市永和區保生路1號12樓之512F-5, No. 1, Baosheng Rd., Yonghe District, New Taipei City 23444Tel：02-2923-9976 Fax：02-2923-2663

中壢通訊處 Zhungli Liaison Office32070 桃園縣中壢市環北路398號8樓之58F-5, No. 398, Huanbei Rd., Zhongli City, Taoyuan County 32070Tel：03-422-1578 Fax：03-422-1528

新竹營業部 Hsinchu Production Dept.30054 新竹市東大路二段110號6樓6F., No. 110, Sec. 2, Dongda Rd., Hsinchu City 30054Tel：03-533-2658 Fax：03-533-2682

苗栗通訊處 Miaoli Liaison Office36044 苗栗縣苗栗市國華路279號No. 279, Guohua Rd., Miaoli City, Miaoli County 36044Tel：037-262-611 Fax：037-262-811

Headquarter & Branch Offices33Headquarter & Branch Offices

Company Advantages

營業據點 Headquarter & Branch Offices

大里通訊處 Dali Liaison Office41283 台中市大里區永隆路567號1樓1F., No. 567, Yonglong Rd., Dali District, Taichung City 41283Tel：04-2407-1557 Fax：04-2407-8509

豐原通訊處 Fongyuan Liaison Office42051 台中市豐原區圓環東路384號No. 384, Yuanhuan E. Rd., Fongyuan Distr ict, Taichung City 42051Tel：04-2524-8989 Fax：04-2520-0168

沙鹿通訊處 Shalu Liaison Office43349 台中市沙鹿區三民路91號No. 91, Sanmin Rd., Shalu District, Taichung City 43349Tel：04-2663-2725 Fax：04-2663-2697

草屯通訊處 Caotun Liaison Office54265 南投縣草屯鎮成功路一段508號No. 508, Sec. 1, Chenggong Rd., Caotun Town, Nantou County 54265Tel：049-238-1797 Fax：049-235-3579

彰化通訊處 Changhua Liaison Office50056 彰化縣彰化市中央路202號1-3樓1-3F., No. 202, Zhongyang Rd., Changhua City, Changhua County 50056Tel：04-761-9797 Fax：04-761-6565

員林通訊處 Yuanlin Liaison Office51050 彰化縣員林鎮大同路二段273號4樓4F., No. 273, Sec. 2, Datong Rd., Yuanlin Town, Changhua County 51050Tel：04-839-0198 Fax：04-839-0199

斗南通訊處 Dounan Liaison Office63044雲林縣斗南鎮建國一路69號No. 69, Jianguo 1st Rd., Dounan Town, Yunlin County 63044 Tel：05-595-3718 Fax：05-595-3720

嘉義營業部 Chiayi Production Dept.60096 嘉義市北港路251號10樓10F., No. 251, Beigang Rd., Chiayi City 60096Tel：05-231-0112 Fax：05-281-1522

高雄營業三部 Kaohsiung Production Dept.80661高雄市前鎮區民權二路8號17樓之117F-1, No. 8, Minquan 2nd Rd., Kaohsiung City 80661Tel：07-537-5511 Fax：07-537-6311

岡山通訊處 Kangshan Liaison Office82044 高雄市岡山區介壽路76號1樓1F., No.76, Jieshou Rd., Gangshan District, Kaohsiung City 82044Tel：07-626-0072 Fax：07-626-0290

屏東營業部 Pingtung Production Dept.90065 屏東縣屏東市自由路502號No. 502, Ziyou Rd., Pingtung City, Pingtung County 90065Tel：08-766-3838 Fax：08-733-3939

羅東通訊處 Luodong Liaison Office26561 宜蘭縣羅東鎮光榮路326號2樓2F., No. 326, Guangrong Rd., Luodong Town, Yilan County 26561Tel：03-960-5533 Fax：03-960-3300

花蓮通訊處 Hualien Liaison Office97046 花蓮縣花蓮市和平路492號No. 492, Heping Rd., Hualien City, Hualien County 97046Tel：03-833-9020 Fax：03-833-9022

台東通訊處 Taitung Liaison Office95045 台東市正氣北路421號No. 421, Zhengqi N. Rd., Taitung City, Taitung County 95045Tel：089-356-069 Fax：089-356-068

大陸地區 Mainland China Area上海代表處 Shanghai Representative Office200030 上海市徐匯區虹橋路808號加華商務中心A棟8106室Room A8106 Jia Hua Business Centre, No. 808 Hong Qiao Road, Xuhui District, Shanghai, P.R.China 200030Tel：(86-21)6447-7858 / (86-21)6447-7897 Fax：(86-21)6447-7898


Headquarter & Branch Offices

34 Products & ServicesCompany Advantages


汽車保險 Motor Insurance強制汽車責任保險 Compulsory Motor Liability Insurance

強制機車責任保險 Compulsory Motorcycle Liability Insurance

任意汽車保險 Voluntary Motor Insurance

第三人責任保險 Third Party Liability Insurance

車體損失險 Physical Damage Insurance

竊盜損失險 Theft Insurance

乘客責任附加條款 Passenger Liability Coverage Endorsement

駕駛人傷害附加條款 Drivers' Personal Accident Coverage Endorsement

代步車保險 Substitute Vehicle Insurance

汽車超額責任險 Motor Excess Liability Insurance

車體損失險許可使用免追償附加條款 Waiver of Subrogation for Physical Damage Endorsement

慰問金附加條款 The Consolatory Expenses Coverage Endorsement

代車費用附加條款 Transportation Expense Endorsement

機車整車失竊損失保險 Motorcycle Total Theft Insurance

公路汽車客運業、市區汽車客運業與 Passenger Liability Insurance for Commercial Bus

遊覽車客運業乘客責任保險

免自負額汽車車體碰撞擦撞損失保險 Non-deductible for Motor Collision Damage Insurance

火災保險 Fire Insurance住宅火災及地震基本保險 Residential Fire Insurance & Earthquake Insurance

住宅火災及地震綜合保險 Residential Fire & Earthquake Comprehensive Insurance

住宅綜合保險 Comprehensive Residence Insurance

商業火災保險 Commercial Fire Insurance

商業火災保險及附加險 Commercial Fire & Allied Perils Insurance

商業火災綜合保險 Commercial Property All Risks Insurance

商店綜合保險 Comprehensive Shop Insurance

海上保險 Marine Insurance海上貨物運輸保險 Cargo Insurance

內陸貨物運輸保險 Inland Transit Insurance

商業動產流動保險 Commercial Property Floater Insurance

運送人責任保險 Carrier's Liability Insurance

海運承攬運送人責任保險 Freight Forwarder Liability Insurance

船體保險 Marine Hull Insurance

船體修繕人責任保險 Ship Repairer's Liability Insurance

漁船保險 Fishing Vessel Insurance

娛樂漁業漁船意外責任保險 Amusement Fishing Vessel Liability Insurance

漁業漁船船員僱主責任保險 Employer's Liability Insurance for Fishing Vessel

Products & Services35Products & Services

Company Advantages

營業項目 Products & Services

航空保險 Aviation Insurance航空機體、零件暨責任保險 Hull, Spares and Liabilities Insurance

航空機體及零件兵險 Hull and Spares War Insurance

航空機體及備用引擎自負額保險 Hull and Spares Engines Deductible Insurance

新種保險 Miscellaneous Insurance責任保險 Liability Insurance

公共意外責任保險 Public Liability Insurance

雇主意外責任保險 Employers' Liability Insurance

產品責任保險 Products Liability Insurance

高爾夫球員責任保險 Golfers' Liability Insurance

旅客運送責任保險 Passengers Carrier Liability Insurance

藥物臨床試驗責任保險 Clinical Trial Insurance

教育機構責任保險 Education Institute Liability Insurance

董監事及重要職員責任保險 Directors and Officers Insurance

錯誤或疏漏責任保險 Errors or Omissions Liability Insurance

工程保險 Engineering Insurance

營造綜合保險 Contractors' All Risks Insurance

安裝工程綜合保險 Erection All Risks Insurance

機械保險 Machinery Breakdown Insurance

電子設備綜合保險 Electronic Equipment Insurance

鍋爐保險 Boiler Pressure Vessel Insurance

營建機具綜合保險 Contractors' Plant and Machinery Insurance

其他保險 Other Insurance

現金保險 Money Insurance

員工誠實保證保險 Fidelity Bonds

信用卡綜合保險 Credit Card Comprehensive Insurance

產品回收保險 Product Recall Insurance

貿易信用保險 Trade Credit Insurance

氣候保險-颱風型 Weather Insurance-Typhoon type

傷害暨健康保險 Accident & Health Insurance個人傷害保險 Individual Personal Accident Insurance

團體傷害保險 Group Personal Accident Insurance

個人旅行綜合保險 Travel Comprehensive Insurance

旅行平安保險 Travel Accident Insurance

老來保個人傷害保險 Senior Citizen Accident Insurance

初次罹患癌症健康保險 Cancer Insurance

重大疾病健康保險 Catastrophic Illness Insurance


Products & Services

annual report 2011 - tmnewa.com.tw·年年報... · annual report 2011 sõËË 1 in tro d u c tio n...

Documents