常見問題

傷害險

  • Q1 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.

  • Q2 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.

  • Q3 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.

  • Q4 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).

  • Q5 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?

    保險公司接件日(需於保期生效前完成繳費)。

     

    The date the insurance company receives the application (premium must be paid before policy effective date).

  • Q6 健康告知事項一定要填寫嗎?如果告知不實會有什麼影響? | Is health disclosure mandatory? What are the consequences of false disclosure?

    投保時請據實告知健康狀況，如未具實填寫影響危險之估計，本公司有權依保險法相關規定解除契約。

     

    Please provide accurate health information when applying. If false information affecting risk assessment is provided, the company has the right to terminate the contract according to insurance law.

  • Q7 健康險及傷害險的投保年齡的計算方式? | How is the insurance age calculated for health and accident insurance?

    以保險年齡計算，若距離生日超過6個月，需多加1歲。

     

    Insurance age is calculated based on actual age, with an additional year added if more than 6 months have passed since the last birthday.

  • Q8 職業變更要告知嗎?如果不告知會有什麼影響? | Must occupational changes be reported? What are the consequences of non-disclosure?

    職業有變更請通知明台並填寫契變書進行變更，如未主動告知影響危險之估計，本公司有權依保險法相關規定解除契約。

     

    Please notify Mingtai of any occupational changes and complete a contract modification form. If changes affecting risk assessment are not reported, the company has the right to terminate the contract according to insurance law.