信用卡保險
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Q1 信用卡保險是否需要額外申報程序才能獲得承保？ | Is an additional declaration procedure required to obtain credit card insurance coverage?
無須額外申報程序，只要使用承保信用卡支付全額機票或80%以上團費即可。
No additional declaration procedure is required; coverage is provided when the covered credit card is used to pay for the full airfare or more than 80% of the tour expenses.
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Q2 使用信用卡刷團費，是否即享有大眾運輸工具旅行平安險？遊覽車涵蓋在內嗎？ | Does paying for tour fees with a credit card automatically provide public transportation travel insurance? Are tour buses included?
1.只要確認以承保信用卡支付全額機票或八成以上團費，此團費涵蓋所搭乘大眾運輸工具，於搭乘期間屬信用卡保險承保範圍。
2.遊覽車以及屬於觀光用途之交通工具非信用卡保險所認定之大眾交通運輸工具。
1. Coverage is provided when the covered credit card is used to pay for full airfare or more than 80% of the tour fees, which include public transportation during the journey.
2. Tour buses and tourist-purpose transportation vehicles are not considered public transportation under credit card insurance coverage. -
Q3 詢問公共運輸工具期間旅行平安保險範疇，是否包含鐵路？ | Does public transportation travel insurance coverage include railways?
信用卡提供給卡友公共運輸工具期間旅行平安保險，只要是保單定義的公共運輸工具：當地政府登記許可，行駛於固定航、路線之商用客機或水、陸上公共交通工具，但非做為觀光或特殊性質之使用者皆符合承保範圍。
Travel insurance provided by credit card covers public transportation defined in the policy as: commercially operated aircraft or water/land public transportation registered and permitted by local government, operating on fixed routes, excluding tourist or special-purpose usage.
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Q4 信用卡所提供的旅行平安保險刷滿團費8成是否包含訂金或尾款？ | Does the travel insurance provided by the credit card, when 80% of the tour fee is paid, include the deposit or the final payment?
團費的8成不區分訂金及尾款；只要使用承保信用卡刷滿總團費的8成，即可享有信用卡提供給持卡人的福利。
The 80% of the tour fee is not distinguished between deposit and final payment; as long as the insured credit card is used to pay 80% of the total tour fee, cardholders are eligible for the credit card benefits.
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Q5 航空公司親友票保險權益是否一樣? | Are insurance benefits the same for airline companion tickets?
若被保險人所使用之機票，如係航空公司提供之優惠票，請被保險人務必確認所持優惠票?實際刷卡金額需高於票面價額百分之三十，才可獲得保障。
For discounted airline tickets, the insured must ensure that the actual credit card payment amount is more than 30% of the ticket face value to receive coverage.
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Q6 信用卡刷機票得到的保障有哪些？ | What coverage do I get when purchasing airline tickets with a credit card?
全額以承保信用卡支付飛機票費用，即享有搭乘公眾運輸工具時發生意外造成身故的保障，以及班機延誤、行李遺失、行李延誤等旅行不便險保障。
When paying the full airfare with an insured credit card, you receive accidental death coverage while using public transportation, plus travel inconvenience insurance including flight delay, baggage loss, and baggage delay coverage.
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Q7 信用卡提供的公共運輸平安保險是否包含醫療費用？ | Does the public transportation travel insurance provided by the credit card cover medical expenses?
每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。
Benefits vary by credit card issuer and card type. Please check your card issuer's website for specific insurance coverage details.
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Q8 以信用卡刷飛機票後，是否享全程旅行平安保險？ | After purchasing airline tickets with a credit card, is full trip travel insurance coverage provided?
每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。
Benefits vary by credit card issuer and card type. Please check your card issuer's website for specific insurance coverage details.
