institutions to implement these policies, the government achieves greater efficiency, allowing professional insurance providers to handle complex underwriting and claims processes. This ensures that individuals receive timely insurance protection. Policy insurance falls between social and commercial insurance. Its premium rates are calculated based on the principle of cost equivalence, meaning it lacks the wealth redistribution function of social insurance. However, under the “no profit, no loss” principle, policy insurance does not include projected profits in its rate structure, distinguishing it from regular commercial insurance. Prominent examples of policy insurance in Taiwan include compulsory automobile liability insurance and student group insurance. The MOA also oversees similar insurance programs, such as agricultural insurance (under the Agricultural Insurance Act) and maritime operations insurance for fishers (Regulations on Insurance and Assistance for Fishers Engaged in Maritime Operations). The NHRC recommends that the accidental and medical insurance for fishers on distant water fishing vessels be restructured as policy insurance in order to bring distant water fishing vessels’ fishers insurance system in line with Article 38 of the C188 Convention 106., , . Employer responsibility should be clearly defined, with the government subsidizing premiums and mandating employer participation. Additionally, the scope of medical insurance should explicitly cover all necessary healthcare services, including outpatient and inpatient treatments. (7) Incorporate external oversight and participation mechanisms in labor inspections and ensure transparency Labor inspections related to fisheries have been previously discussed in detail. In principle, inspections of occupational safety, health, and labor 106 Article 38 of the C188 Convention highlights protection for fishers in cases of illness, injury, or death through mechanisms such as employer liability, compulsory insurance, or workers’ compensation 134