商品問題
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Q113 住宅火災保險保額及地震基本保險額如何計算?一定要依照所算出來的保額投保嗎? | How are residential fire and basic earthquake insurance amounts calculated? Must we insure for the calculated amount?
1.住宅火災保險保額及地震基本保險保額依「臺灣地區住宅類建築造價參考表」計算保額，但地震基本保額保額上限為新台幣150萬。
2.住宅火災保險保額可由保戶自行決定投保金額，但仍需依「臺灣地區住宅類建築造價參考表」計算保額，不得少於新台幣10萬元；地震基本保險保額須依算出來之保額辦理投保，上限為新台幣150萬。
3.詳情內容可參考：「臺灣地區住宅建築造價參考表」
1. Both amounts are calculated using the "Taiwan Residential Building Cost Reference Table," with earthquake coverage capped at NTD 1.5 million.
2. Fire insurance amount can be decided by policyholder but must follow the reference table and cannot be less than NTD 100,000; earthquake insurance must match the calculated amount, up to NTD 1.5 million.3. For detailed information, please refer to: "Taiwan Regional Residential Construction Cost Reference Table"
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Q114 手機保險保戶申請收據憑證 | How to request receipt certificates for mobile phone insurance?
欲申請保險繳費憑證(收據)，請洽原購機門市或於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
To request insurance payment certificates (receipts), please contact the original purchase store or call 0800-528-528 during business hours (8:30-17:30), and a specialist will assist you.
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Q115 今年一月刷卡買機票，六月才要出國，是否有在承保範圍內？ | If I buy airline tickets in January but travel in June, will that be covered by the insurance?
信用卡保險期間為整年度，一月刷卡六月出國皆落在承保期間。
Credit card insurance coverage is for the entire year, so both January purchase and June travel fall within the coverage period.
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Q116 已在飛機上，但忘記買旅平險，現在可以補買嗎? | I'm already on the plane but forgot to buy travel insurance. Can I purchase it now?
無法購買，請提早於旅程出發前購買。(投保時被保險人必須在國內)
Cannot purchase now. Please buy insurance before departure. (The insured must be in the country when purchasing insurance)
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Q117 詢問旅行不便險承保範圍除持卡人本身是否涵蓋共同出遊親屬？ | Does travel inconvenience insurance coverage extend to family members traveling together?
信用卡提供給持卡人的旅行平安保險及不便險，承保的對象為持卡人本身以及以本卡購買機票之配偶及未滿25歲未婚之子女，因此其他親友並非在本信用卡保險之承保對象。
Credit card travel and inconvenience insurance covers the cardholder, spouse, and unmarried children under 25 whose tickets were purchased with the card. Other relatives are not covered.
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Q118 用信用卡幫朋友刷旅費，是否同樣享有旅遊不便險？ | If I pay travel expenses for friends with my credit card, do they get travel inconvenience coverage?
信用卡提供給持卡人的旅遊不便險，被保險人僅適用持卡人、持卡人配偶及持卡人未滿25足歲的子女，不適用持卡人的祖父母、父母及朋友。
Credit card travel inconvenience insurance only covers the cardholder, spouse, and children under 25. It does not cover grandparents, parents, or friends.
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Q119 終止手機保險契約 | How to terminate mobile phone insurance contract?
若要終止保單，請於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
To terminate the policy, please call 0800-528-528 during business hours (8:30-17:30), and a specialist will assist you.
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Q120 承保範圍是否包含持卡人小孩，若單獨刷小孩的機票是否也符合承保範圍？ | Does coverage include cardholder's children, and if paying only for child's ticket, is it covered?
信用卡配合保險之保障對象為持卡人本人、配偶以及未滿25歲之未婚子女；身分符合上述並以本卡支付全額之機票仍適用承保範圍。
Insurance coverage applies to the cardholder, spouse, and unmarried children under 25. Coverage applies when full ticket payment is made with the card for eligible family members.
