信用卡保險
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Q9 信用卡僅刷卡去程機票，是否回程也適用旅行平安及不便險? | If only outbound flight is paid by credit card, does travel insurance and inconvenience coverage apply to return flight?
若支付去程全額機票，則僅去程適用旅行平安及不便保險。
If only the outbound flight is paid in full, travel insurance and inconvenience coverage applies only to the outbound journey.
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Q10 自由行時在海外刷卡是否承保 ? | Does credit card coverage apply for independent travel overseas?
是，以承保信用卡支付全額公共運輸工具交通費票款即可。
Yes, coverage applies when paying full public transportation fares with the insured credit card.
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Q11 國外留學時在海外刷卡是否承保 ? | Does credit card coverage apply for overseas study?
信用卡主要額外提供持卡人旅遊時的平安保險，留學期間還是視個人需要，自行額外購買平安險才能完整轉嫁風險。
Credit cards primarily provide travel accident insurance for cardholders. During study abroad periods, additional personal accident insurance should be purchased separately based on individual needs for comprehensive risk coverage.
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Q12 新幹線是否承保範圍 ? | Is Shinkansen covered under insurance?
是，信用卡所提供的旅行平安保險承保範圍包含新幹線。
Yes, travel insurance provided by credit card includes Shinkansen.
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Q13 需要額外加費多少才能獲得承保？ | How much additional fee is required for coverage?
無須額外付費，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 fee 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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Q14 詢問以信用卡消費日本JR鐵路是否屬承保範圍？如刷卡兩人票價是否兩人皆有承保？ | Does credit card insurance's coverage apply to purchases on Japan's JR Railway? If two tickets are bought, are both passengers covered?
1.本公司與信用卡合作之旅平險承保範圍為公共運輸交通工具，因此JR鐵路是屬於該範疇，搭乘期間意外體傷以及死亡是為承保之範圍。
2.承保對象除持卡人以外需視身分而定，本保險承保持卡人本人及配偶及未滿25歲之未婚子女，如為朋友或者父母兄弟姐妹等親屬則不在此範疇內。
1. Our travel insurance provided by credit card covers public transportation, including JR Railway. Coverage includes accidental injury and death during travel.
2. Coverage extends to the cardholder, spouse, and unmarried children under 25 years old. Friends, parents, siblings, and other relatives are not covered. -
Q15 參加旅行團時，搭乘鐵路火車是否在信用卡所提供的旅行平安保險承保範圍? | When joining a tour group, is train travel covered under the travel insurance provided by the credit card?
只要確認以承保信用卡支付八成以上團費，即享有搭乘公共運輸工具期間的平安保險。
As long as 80% or more of the tour fee is paid with the insured credit card, travel accident insurance coverage applies during public transportation use.
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Q16 詢問郵輪是否在信用卡所提供的旅行平安保險承保範圍？ | Is Cruises covered under the travel insurance provided by the credit card?
信用卡提供給卡友的福利是搭乘公共運輸工具期間旅行平安保險，郵輪並不是保單定義的公共運輸工具，因此搭乘郵輪期間發生的意外事故，並不是信用卡提供的信用卡公共運輸工具期間旅行平安保險承保範圍。
Travel insurance provided by credit card covers accidents during public transportation travel. Cruises is not defined as public transportation under the policy, therefore accidents occurring during Cruises travel are not covered unde public transportation travel insurance provided by credit card.
