常見問題

傷害險

  • Q1 網路文章上有人說自體血小板(PRP)會讓扭傷比較快好，但是費用很高，保險會理賠嗎? | Some articles online claim that platelet-rich plasma (PRP) therapy can help a sprained injury heal faster, but it can be quite expensive. Is it covered by insurance?

    保險公司辦理理賠作業，將依被保險人實際接受之治療情形，參據醫學專業意見及評估是否為一般醫療常規行為，審核其醫療必要性。

     

    In processing an insurance claim, the insurer will review the treatment actually received by the insured and, with reference to professional medical opinions, determine whether such treatment is consistent with generally accepted medical practice and assess its medical necessity.

  • Q2 我的家人因精神或智能障礙，並有受監護宣告之情形，應如何辦理保險事宜跟需要注意的? | My family member has a declaration of guardianship due to mental or intellectual disability. How should insurance matters be handled and what should be noted?

    如要保人或被保險人因精神或智能障礙，並有受監護宣告之情形時，應由其法定代理人或監護人辦理投保、契約變更(契約批改)、理賠等事宜。法定代理人或監護人為受監護宣告者初次辦理保險業務，應檢附該要保人或被保險人受監護宣告之證明文件。另外在保險法第107條之一規定：訂立人壽保險契約時，以受監護宣告尚未撤銷者為被保險人，除喪葬費用之給付外，其餘死亡給付部分無效。前項喪葬費用之保險金額，不得超過遺產及贈與稅法第十七條有關遺產稅喪葬費扣除額之一半。

     

    When the applicant or insured has a declaration of guardianship due to mental or intellectual disability, the legal representative or guardian shall handle matters such as insurance application, policy changes (policy endorsements), and claims. When a legal representative or guardian handles insurance business for the first time on behalf of a person under guardianship declaration, supporting documents proving the applicant's or insured's guardianship declaration status must be attached. Additionally, Article 107-1 of the Insurance Act stipulates: When entering into a life insurance contract with a person under guardianship declaration that has not been revoked as the insured, except for funeral expense benefits, all other death benefits are invalid. The insurance amount for funeral expenses as mentioned in the preceding paragraph shall not exceed half of the funeral expense deduction for estate tax as specified in Article 17 of the Estate and Gift Tax Act.

  • Q3 我的家人有領取身心障礙手冊(證明)，請問我要協助他/她投保要怎麼處理呢? | My family member has a physical and mental disability handbook (certificate). How should I assist him/her with insurance application?

    本公司對於有領取身心障礙手冊(證明)之人士的承保受理，均是遵循「保險業金融友善服務準則」、「保險業金融友善服務準則實務作業問答集」、「保險業承保身心者障礙處理原則」及「保險業務員協助身心障礙者投保機制」等相關規定辦理，上述相關規定可以參考友善服務措施 - 明台產物保險。

     

    Our company's underwriting acceptance for individuals with physical and mental disability handbooks (certificates) is handled in accordance with relevant regulations including the "Financial Accessibility Service Guidelines for Insurance Industry," "Practical Q&A Collection for Financial Accessibility Service Guidelines for Insurance Industry," "Principles for Insurance Industry Underwriting of Persons with Disabilities," and "Mechanism for Insurance Agents to Assist Persons with Disabilities in Insurance Application." The above-mentioned regulations can be referenced at Accessibility Service Measures - MSIG-Mingtai Insurance.

  • Q4 意外傷害險保單是否有包括「骨折未住院」的保障，要如何確認? | Does the accident insurance policy include coverage for "fracture without hospitalization" and how can I verify this?

    骨折未住院為傷害險住院日額的附加險，故傷害險投保住院日額即含骨折未住院。

     

    Fracture without hospitalization is a rider to the daily hospital benefit in accident insurance; therefore, accident insurance with daily hospital benefit includes fracture without hospitalization coverage.

  • Q5 健康傷害保險一次可投保幾年?可以買長期保單嗎? | How many years can health and accident insurance be purchased for at once? Are long-term policies available?

    現有商品皆為一年期保單，目前並無長年期保單。

     

    Current products are all one-year term policies; long-term policies are not currently available.

  • Q6 要怎麼變更身故受益人?需要提供什麼文件? | How can I change the death beneficiary? What documents are required?

    請填寫契約變更申請書後送交明台進行變更，或請致電明台由服務人員協助您辦理。

     

    Please complete and submit the contract modification application form to Mingtai, or contact Mingtai's service personnel for assistance.

  • Q7 意外傷害保險的身故受益人有限制嗎?可以以第三人做為受益人嗎?如不指定受益人可以嗎? | Are there restrictions on death beneficiaries for accident insurance? Can third parties be designated as beneficiaries? What if no beneficiary is designated?

    1.身故受益人沒有限制受益人指定方式或人別。

    2.受益人可以為要保人以外第三人，但若不指定配偶、直系親屬或法定繼承人則要／被保險人需填寫補充聲明書(避免道德危險)。

    3.若不指定受益人則身故保險金會列為被保險人之遺產。

    4.團體傷害險之受益人，以被保險人的家屬或其法定繼承人為限。(依條款)

     

    1. No restrictions on beneficiary designation method or identity
    2. Beneficiaries can be third parties other than the policyholder, but a supplementary declaration is required if not designating spouse, direct relatives, or legal heirs (to prevent moral hazard)
    3. If no beneficiary is designated, death benefits become part of the insured's estate
    4. For group accident insurance, beneficiaries are limited to the insured's family members or legal heirs (as per policy terms).

  • Q8 透過保經業務投保健康傷害險，保單從填寫日期生效?還是保險公司接件後開始生效? | When purchasing health and accident insurance through an insurance broker, does the policy take effect from the application date or from when the insurance company receives the application?

    保險生效日依要保書上之約定日期為生效日，亦為責任起始日，但建議以要保日期加1~3日為宜

     

    The effective date of coverage is the date specified in the application, which is also the date the insurer's liability begins; however, it is advisable to set it 1 to 3 days after the application date.