商品問題
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Q1 哪些車輛需投保汽(機)車強制險？ | Which vehicles require compulsory auto/motorcycle insurance?
應投保強制汽車責任保險(以下稱強制車險)之汽車種類如下：
1.公路法第2條第10款規定之汽車。但國軍編制內軍用車輛管理及處罰辦法第2條規定之軍用車輛於作戰期間，不在此限。
2.依據道路交通安全規則第83條規定向公路監理機關申請核發臨時通行證之動力機械。
3.汽車牌照報廢、繳還、繳存、繳銷、吊銷或註銷後仍行駛之汽車。
4.強制汽車責任保險法第5條之1施行後第1項及第2項所定之微型電動二輪車。
Vehicles requiring compulsory insurance include:
1. Vehicles defined in Article 2-10 of the Highway Act (excluding military vehicles during combat operations).
2. Power machinery requiring temporary permits under Article 83 of Road Traffic Safety Rules.
3. Vehicles still in operation after license plate retirement, return, deposit, cancellation, revocation, or withdrawal.
4. Micro electric two-wheelers as defined in Article 5-1 of the Compulsory Automobile Liability Insurance Act. -
Q2 收到汽機車續保繳費單，如因過期未繳納，還能持原繳費單至超商或銀行繳費嗎?保險生效日如何計算? | If I receive a renewal payment slip for auto/motorcycle insurance and it expires without payment, can I still use the original payment slip at convenience stores or banks? How is the insurance effective date calculated?
因現行實施收費出單制度，繳費應於生效日之前完成，若超過繳費期限即無法以原繳費單進行繳費，請連繫您的業務人員協助重新報價並提供新的繳費單；於收到新的繳費單後，請於約定生效之繳費期限內完成繳費動作，保險始可生效。
Under the current billing system, payment must be completed before the effective date. If the payment deadline is exceeded, the original payment slip cannot be used. Please contact your sales representative for a new quote and payment slip. After receiving the new payment slip, complete the payment within the agreed effective period for the insurance to take effect.
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Q3 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.
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Q4 想投保寵物險要到哪邊保? | Where can I purchase pet insurance?
目前紙本及官網寵物保險停止收件中。
Currently, both paper and online applications for pet insurance are suspended.
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Q5 何謂航程保單與時間保單？ | What does "VOYAGE POLICY" & "TIME POLICY" mean?
保險單之效力僅及於某一段航程者，謂之為航程保險單。 如保險單係以某一特定時段為保險有效期間者，稱為時間保險單。
VOYAGE POLICY is a marine insurance policy covering only a stated voyage. TIME POLICY refers to the specified time for which the insured is covered under the marine insurance contract.
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Q6 欲更改手機保險單的電話號碼及通訊地址 | How to change phone number and mailing address on mobile phone insurance policy?
若要變更手機保險基本資料，請於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
To modify mobile phone insurance basic information, please call 0800-528-528 during business hours (8:30-17:30), and a specialist will assist you.
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Q7 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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Q8 什麼是微型保險？ | What is Micro-insurance?
微型保險為低保額、低保費且保障內容簡單之保險，提供基本保障以加強推行弱勢者利用保險機制進行風險分散之規劃。
Micro-insurance is insurance with low coverage amount, low premium, and simple protection content, providing basic coverage to promote risk distribution mechanisms among disadvantaged groups.
