商品問題
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Q81 無人機綜合保險之承保範圍是否有包含國外地區？ | Does coverage of Comprehensive Drone Insurance extending to overseas countries and territories?
明台的無人機綜合保險除了保單條款所列之除外不保地區/國家以外，其餘國外地區皆有包含。
Worldwide, except excluded areas/countries listed on the policy.
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Q82 甚麼叫「自負額」?保險為什麼要有「自負額」的規定？可以選擇其他的「自負額」投保嗎？ | What is a "deductible"? Why do insurance policies have deductible requirements? Can we choose different deductible amounts?
所謂「自負額」指每一次意外事故發生時，被保險人必須自行承擔的損失金額，保險公司僅對超過自負額的部份負賠償責任。
假設當您投保車體損失險甲式或乙式並選擇自負額357為例，當被保險汽車發生承保範圍之損失時，被保險人須依出險次數而增加自行負擔之支出，第一次出險，被保險人負擔3,000元，第二次負擔5,000元，第三次以後（含第三次）被保險人負擔7,000元，保險公司僅對超過自負額的部份負賠償責任。
「自負額」的目的，是為了減少小額賠款的理賠，降低理賠成本，同時也減輕要保人的保費負擔，並可以提醒駕駛人小心駕駛、注意行車安全，避免意外事故，因為事故發生後，自己也要需要負擔部分的損失。
要保人或車主投保時，可以選擇較高之自負額，保險費會相對降低。A "deductible" is the amount the insured must pay for each accident before insurance coverage begins. For example, with Type A or B physical damage insurance using deductible plan 357, the insured pays NT$3,000 for the first claim, NT$5,000 for the second, and NT$7,000 for the third and subsequent claims.
The purpose of deductibles is to reduce small claims processing costs, lower premium burdens, and encourage careful driving since drivers share accident costs.
Policyholders can choose higher deductibles for lower premiums. -
Q83 詢問今年刷卡但過保險期間後，在明年才出遊，是否在這張保單承保範圍？ | If I make a credit card purchase this year but travel next year after the insurance period, am I still covered under this policy?
信用卡提供卡友的旅行平安保險原則上需在保險期間才有保障，過了今年保單的保險期間後，需洽詢信用卡公司是否仍額外提供卡友此項福利。
Travel insurance provided by credit card coverage generally requires travel within the insurance period. After this year's policy period ends, please check with your credit card company about continued benefits.
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Q84 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.
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Q85 投保汽車保險時，保費可以無賠款減費嗎？ | Can auto insurance premiums be reduced for no claims?
汽車車體損失險及第三人責任保險之保險費因採用「從人」因素，即依被保險人之年齡、性別區分係數、過去之承保紀錄、賠款紀錄來計算保費，因此如有賠款紀錄者，將依賠款次數增加保費，反之如果無理賠紀錄者，可獲得無肇事減費的優惠。
Auto physical damage and third-party liability insurance premiums are calculated using "human factors," including the insured's age, gender coefficient, insurance history, and claims record. Premium increases with claim frequency, while no-claim records qualify for premium discounts.
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Q86 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.
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Q87 車子準備要賣出，但我投保的保險尚未到期，應該要如何處理？ | I'm selling my car but my insurance hasn't expired yet. How should I handle this?
車子將要賣出，可以選擇以下兩種方式處理：
1. 將保險過戶給新車主。
2. 申請退保。
When selling your car, you have two options:
1. Transfer the insurance to the new owner.
2. Cancel the insurance policy. -
Q88 未成年人如何申請手機保險以及如何填寫相關表單? | How can minors apply for mobile phone insurance and fill out related forms?
未成年消費者需與父母同去門市，於要保險人簽章處及未成年人其法定代理人簽章處上簽名(未成年消費者+父母其中一人)。或請於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
Minors must go to the store with their parents, signing at the policyholder signature section and the legal representative's signature section (minor + one parent). Alternatively, call 0800-528-528 during office hours (8:30-17:30) for assistance, where a specialist will assist you.
