商品問題
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Q1 如何辦理校園公共意外險線上理賠報案? | How do I process School Public Accident Insurance online claim reporting?
校園公共意外險線上理賠報案網頁【請點此】
※操作方式：登入→理賠專區→線上理賠報案→填寫資料、附上照片等後按送出即可。Click here for the online claim report page.
Steps: Login -> Claims Center -> Online Claim Report -> Fill in details and attach photos -> Submit. -
Q2 如何下載校園公共意外險投保證明? | How do I download School Public Accident Insurance proof of insurance?
校園公共意外險投保證明下載網頁【請點此】
※操作方式說明如下：登入→下載專區→投保證明下載→下載證明Click here for the download page.
Steps: Login -> Download Center -> Certificate Download -> Download. -
Q3 忘記校園公共意外險的帳號密碼該怎麼辦? | What should I do if I forget the account password for the School Public Accident Insurance campus website?
請至明台產險學校公共意外險校園網站右上角「忘記密碼」功能，輸入帳號(學校代號)及電子信箱，系統會發送新密碼至電子信箱，請重新登入後再修改密碼。
Use the "Forgot Password" function on the website. Enter your school code and email to receive a new password, then log in and update it.
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Q4 校園公共意外險的帳號密碼是什麼? | What is the account and password for the School Public Accident Insurance campus website?
第一次登入預設之帳號和密碼皆為學校代號(英文字母為大寫)，登入後須修改密碼。
For initial login, both the username and password are the school code (uppercase). You must change the password after logging in.
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Q5 住宅火災保險要如何續保? | How do I renew Residential Fire Insurance?
住宅火災保險續保方式：
1.可上網自行投保，點我至投保頁面。
2.聯絡前期保單服務的業務員。
3.自行到明台產險各處服務櫃檯辦理投保。
4.若為銀行貸款件，請洽本公司各處服務據點查詢服務人員協助辦理。Renewal methods:
1. Online application via our website.
2. Contact your previous agent.
3. Visit any Mingtai's service counter.
4. For bank loan cases, please contact service personnel at our company's service branch for assistance. -
Q6 住宅火災地震保險保期中斷了，該如何辦理投保? | How do I re-insure if Residential Fire and Earthquake Insurance has lapsed?
若您住宅火險地震保險保期中斷了，可至本公司各服務據點或洽原服務人員協助辦理投保。
Visit any service branch or contact your original agent to re-apply for coverage.
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Q7 住宅火災保險要如何變更抵押銀行呢? | How do I change the mortgage bank for Residential Fire Insurance?
請先連結本公司服務網址，參考應備文件一覽表；如需辦理變更作業，可逕行下載批改申請書並檢附應備文件後，至本公司各服務據點辦理或洽原服務人員辦理。
Visit our website to view the required documents. Download the amendment application form and submit it with documents to any service branch or contact your original agent.
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Q8 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.
