商品問題
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Q73 因工作關係經常出國，可以一次保1整年度的旅平險嗎? | Due to frequent business travel, can I purchase travel insurance for an entire year at once?
旅平險一次最多投保180天，超過不可延長。
Travel insurance can only be purchased for a maximum of 180 days at a time, no extensions beyond this period.
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Q74 無人機綜合保險機體險保額如何評估？ | How to evaluate insured amount for Drone Hull Insurance?
無人機綜合保險機體險保額主要是以無人機市場價值作考量並由保險人評估後同意承保。
Mainly depends upon market value, but finally evaluated and agreed by the insurer.
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Q75 只買空機可以投保手機險嗎 | Can I purchase mobile phone insurance for an unlocked phone?
與明台合作之中華電信門市無開放只購買空機就可加購手機保險之服務，可至中華電信門市詢問或於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
The Chunghwa Telecom stores collaborating with MSIG Mingtai do not offer mobile phone insurance for an unlocked phone. Please visit a Chunghwa Telecom store or call 0800-528-528 during office hours (8:30-17:30), where a specialist will assist you.
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Q76 住宅火險及地震基本保險可以分開投保嗎? | Can residential fire insurance and basic earthquake insurance be purchased separately?
1.依照相關規定住宅火災保險若承保標的為建築物，則必須與地震基本保險一併投保，無法排除地震基本保險。
2.若仍有生效中長期住宅火險保單，則可另外單獨承保「明台產物住宅地震基本保險」。
1. According to regulations, if the insured object is a building, residential fire insurance must be purchased together with basic earthquake insurance; earthquake coverage cannot be excluded.
2. If there is an existing long-term residential fire insurance policy, the "Mingtai Property Basic Residential Earthquake Insurance" can be purchased separately. -
Q77 有銀行貸款，今年要自行保險，要怎麼辦理? | How do I arrange self-insurance this year for a mortgaged property?
可先通知貸款銀行並請於保單到期前完成投保，並將續保年度保單正本及收據副本寄至貸款銀行。
Notify the lending bank and complete insurance coverage before policy expiration. Send the original renewal policy and receipt copy to the lending bank.
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Q78 詢問信用卡提供的高額旅行平安保險是否包含旅遊全程？ | Does high-value credit card travel insurance cover the entire trip?
一般信用卡提供卡友的旅行平安保險不包含旅遊全程，僅限於搭乘使用信用卡支付的公共運輸工具期間發生的意外。但因每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。
Generally, travel insurance provided by credit card does not cover the entire trip, only accidents during public transportation paid with the credit card. Benefits vary by card issuer and type, so please check your card issuer's website for specific coverage details.
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Q79 詢問今年度信用卡所提供的旅平險合作時間至12/31，明年度是否仍享有此項優惠？ | Inquire whether travel insurance provided by the credit card's cooperation for this year ends on 12/31, and if this benefit will still be available next year.
明年承保狀況需視新一年度合約而定，建議可洽詢您的信用卡公司，明年是否仍提供此項福利。
Next year's coverage depends on the new annual contract. Please consult your credit card company about continued benefits for next year.
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Q80 除了汽車強制險以外，我還想投保汽車任意保險，請問有哪些選擇？ | Besides compulsory auto insurance, what voluntary auto insurance options are available?
汽車任意保險包括：
1. 汽車車體損失險（甲式、乙式、丙式、限額車對車碰撞）。
2. 汽車竊盜損失險：承保汽車失竊所造成的損失。
3. 汽車第三人責任保險（人身傷害與財物損失）。
4. 乘客責任保險（自用車適用）。
5. 旅客及僱主責任保險（營業車適用）。
6. 其他特約保險。
Voluntary auto insurance includes:
1. Auto physical damage insurance (Type A, B, C, limited vehicle-to-vehicle collision).
2. Auto theft loss insurance: covers losses due to vehicle theft.
3. Third-party liability insurance (bodily injury and property damage).
4. Passenger liability insurance (for private vehicles).
5. Passenger and employer liability insurance (for commercial vehicles).
6. Other special agreement insurance.
