商品問題
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Q41 汽機車保險的被保險人因故死亡時，要如何辦理保險過戶?需準備什麼文件? | How to transfer auto/motorcycle insurance when the insured person passes away? What documents are required?
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。
Please visit our company's service website to check the required documents list. To process the change, download the endorsement application form, attach the required documents, and visit any of our service locations or contact your original service representative.
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Q42 想投保貨物進出口保險，則應在甚麼時候投保才最適當？ | Which timing is the most appropriate to buy import/export cargo insurance?
貨物運輸保險屬於航程保單，基本上並無時間之限制，只要在交易確定時即可進行投保。
如為出口方：則可在向船(航空)公司簽訂Shipping order(S/O)並辦理報關事宜時，同時向保險公司辦理投保手續。
如為進口方：進口商可在申請輸入許可證或在開出信用狀時投保，但務必要在貨物起運前完成投保手續。
Basically, Cargo Import/Export belongs to Voyage Policy, you can prepare once deal.
Export : Whist issuing shipping order (S/O) and/or ready to Customs Declaration.
Import : Prior to shipment get started, such as the moment L/C opened.
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Q43 要怎麼變更身故受益人?需要提供什麼文件? | How can I change the death beneficiary? What documents are required?
請填寫契約變更申請書後送交明台進行變更，或請致電明台由服務人員協助您辦理。
Please complete and submit the contract modification application form to Mingtai, or contact Mingtai's service personnel for assistance.
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Q44 自由行時在海外刷卡是否承保 ? | Does credit card coverage apply for independent travel overseas?
是，以承保信用卡支付全額公共運輸工具交通費票款即可。
Yes, coverage applies when paying full public transportation fares with the insured credit card.
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Q45 自費購買的道路救援保險的服務項目有哪些? | What services are included in the self-paid roadside assistance insurance?
1.被保險汽車發生故障或意外事故而致無法行駛時，拖吊救援（含全載、拖載及其他特殊處理方式）至被保險人指定或可以修理該車之處所所需之救援費用。
2.被保險汽車因水箱缺水或汽油用罄，其送油或送水所需必要之服務費用；但購買汽油所需費用由被保險人負擔。
3.被保險汽車因輪胎破損無法行駛，其委由他人更換備胎所需必要之服務費用；但備胎需由被保險人提供。
4.被保險汽車因電瓶電??夠無法啟動車輛，其委由他人提供接電服務所需必要之服務費用。
1. Towing service (including full loading, towing, and other special handling) to a designated location or repair facility when the insured vehicle breaks down, has an accident, or runs out of power.
2. Water or fuel delivery service fees when the vehicle runs out of water or fuel; fuel cost paid by the insured.
3. Tire replacement service fees when the vehicle cannot be driven due to tire damage; spare tire provided by the insured.
4. Jump-start service fees when the vehicle cannot start due to insufficient battery power. -
Q46 要怎麼知道自費購買的道路救援險的額度剩多少?保額如果不夠可以再加買嗎? | How to check the remaining coverage of self-paid roadside assistance insurance? Can additional coverage be purchased if the amount is insufficient?
請洽全鋒(免付費電話:0800-078-888)查詢道路救援的剩餘額度。
Please contact Chuan-Feng (toll-free number: 0800-078-888) to inquire about the remaining roadside assistance coverage.
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Q47 國外留學時在海外刷卡是否承保 ? | Does credit card coverage apply for overseas study?
信用卡主要額外提供持卡人旅遊時的平安保險，留學期間還是視個人需要，自行額外購買平安險才能完整轉嫁風險。
Credit cards primarily provide travel accident insurance for cardholders. During study abroad periods, additional personal accident insurance should be purchased separately based on individual needs for comprehensive risk coverage.
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Q48 無人機綜合保險與無人機責任保險有何不同？ | What's the difference between Comprehensive Drone Insurance and Drone Liability Insurance?
無人機綜合保險主要承保無人機機體、零配件及第三人責任保險，而無人機責任保險僅承保第三人責任保險。
Comprehensive Drone Insurance extending to physical loss or damage to Drone Hull, Spares, and third-party liability. As for Drone Liability Insurance covers third-party liability only.
