住宅火險
-
Q9 住宅火險及地震基本保險可以分開投保嗎? | Can residential fire insurance and basic earthquake insurance be purchased separately?
1.依照相關規定住宅火災保險若承保標的為建築物，則必須與地震基本保險一併投保，無法排除地震基本保險。
2.若仍有生效中長期住宅火險保單，則可另外單獨承保「明台產物住宅地震基本保險」。
1. According to regulations, if the insured object is a building, residential fire insurance must be purchased together with basic earthquake insurance; earthquake coverage cannot be excluded.
2. If there is an existing long-term residential fire insurance policy, the "Mingtai Property Basic Residential Earthquake Insurance" can be purchased separately. -
Q10 有銀行貸款，今年要自行保險，要怎麼辦理? | How do I arrange self-insurance this year for a mortgaged property?
可先通知貸款銀行並請於保單到期前完成投保，並將續保年度保單正本及收據副本寄至貸款銀行。
Notify the lending bank and complete insurance coverage before policy expiration. Send the original renewal policy and receipt copy to the lending bank.
-
Q11 銀行貸款已清償，辦理退費須檢附哪些資料?退費時間從什麼時候開始計算? | For loan repayment, what documents are needed for premium refund? When does the refund period start?
一、辦理火險退保： 請先連結本公司服務網址，參考應備文件一覽表；如需辦理變更作業，可逕行下載批改申請書並檢附應備文件後，至本公司各服務據點辦理或洽原服務人員辦理。
二、要保人終止契約者，自申請文件書面送達本公司當日午夜十二時起本保險契約效力終止。
1. For fire insurance cancellation：Please visit our service website for required documents list. Download the amendment application form and submit required documents at our service locations or through your service representative.
2. Policy termination takes effect at midnight on the date when written application is received by the company. -
Q12 住宅火災保險保額及地震基本保險額如何計算?一定要依照所算出來的保額投保嗎? | How are residential fire and basic earthquake insurance amounts calculated? Must we insure for the calculated amount?
1.住宅火災保險保額及地震基本保險保額依「臺灣地區住宅類建築造價參考表」計算保額，但地震基本保額保額上限為新台幣150萬。
2.住宅火災保險保額可由保戶自行決定投保金額，但仍需依「臺灣地區住宅類建築造價參考表」計算保額，不得少於新台幣10萬元；地震基本保險保額須依算出來之保額辦理投保，上限為新台幣150萬。
3.詳情內容可參考：「臺灣地區住宅建築造價參考表」
1. Both amounts are calculated using the "Taiwan Residential Building Cost Reference Table," with earthquake coverage capped at NTD 1.5 million.
2. Fire insurance amount can be decided by policyholder but must follow the reference table and cannot be less than NTD 100,000; earthquake insurance must match the calculated amount, up to NTD 1.5 million.3. For detailed information, please refer to: "Taiwan Regional Residential Construction Cost Reference Table"
