商品問題

是，信用卡所提供的旅行平安保險承保範圍包含新幹線。

Yes, travel insurance provided by credit card includes Shinkansen.

1.身故受益人沒有限制受益人指定方式或人別。

2.受益人可以為要保人以外第三人，但若不指定配偶、直系親屬或法定繼承人則要／被保險人需填寫補充聲明書(避免道德危險)。

3.若不指定受益人則身故保險金會列為被保險人之遺產。

4.團體傷害險之受益人，以被保險人的家屬或其法定繼承人為限。(依條款)

1. No restrictions on beneficiary designation method or identity
2. Beneficiaries can be third parties other than the policyholder, but a supplementary declaration is required if not designating spouse, direct relatives, or legal heirs (to prevent moral hazard)
3. If no beneficiary is designated, death benefits become part of the insured's estate
4. For group accident insurance, beneficiaries are limited to the insured's family members or legal heirs (as per policy terms).

重新購買同一廠牌、型式新車所需支付的價值。

由財團法人保險事業發展中心-汽車重置價格審查小組統一查訂。

The value required to purchase a new vehicle of the same make and model.

This is determined by the Automobile Replacement Price Review Committee of the Taiwan Insurance Institute.

依據強制汽車責任保險法第49條之規定，投保義務人未依強制汽車責任保險法規定訂立強制車險契約，或強制車險期間屆滿前未再行訂立者，其處罰依下列各款規定：

經公路監理機關或警察機關攔檢稽查舉發者，由公路監理機關處以罰鍰。
1.為汽車者，處新臺幣3,000元以上15,000元以下罰鍰
2.為機車者，處新臺幣1,500元以上3,000元以下罰鍰
3.為微型電動二輪車者，處新臺幣750元以上1,500元以下罰鍰
未投保汽車肇事，由公路監理機關處新臺幣9,000元以上32,000元以下罰鍰。

According to Article 49 of the Compulsory Automobile Liability Insurance Act, those who fail to obtain or renew compulsory insurance will be fined as follows when caught by highway authorities or police:

1. Automobiles: NT$3,000 to NT$15,000
2. Motorcycles: NT$1,500 to NT$3,000
3. Micro electric two-wheelers: NT$750 to NT$1,500
For uninsured vehicles involved in accidents, fines range from NT$9,000 to NT$32,000.

無須額外付費，只要使用承保信用卡支付全額機票或80%以上團費即可。

No additional fee is required; coverage is provided when the covered credit card is used to pay for the full airfare or more than 80% of the tour expenses.

強制險不論汽機車駕駛人或被保險人有無過失，保險公司均會負擔賠償責任(因強制險採無過失責任賠償基礎)。

強制險對受害人(包括肇事汽車以外之第三人及車上乘客，但不包括肇事汽車之駕駛人）的賠償範圍如下：

1. 傷害醫療給付：每人最高20萬元。

2. 失能給付：依失能程度分為15等級，每人最高200萬元。

3. 死亡給付：每人定額給付200萬元。

Compulsory insurance covers compensation regardless of driver or insured fault (no-fault liability basis).

Coverage for victims (including third parties and passengers, excluding the at-fault driver) includes:
1. Medical expenses: up to NT$200,000 per person.
2. Disability payment: 15 levels based on disability degree, up to NT$2 million per person.
3. Death benefit: fixed NT$2 million per person.

對於承保之住宅建築物因突發意外事故導致固定裝置於四周外牆之玻璃窗戶、玻璃帷幕或專有部分或約定專用部分對外出入之玻璃門破裂之損失，負賠償責任。因前項損失所須拆除、重新裝置或為減輕損失所需合理之費用，亦負賠償責任。

Covers damage to fixed glass windows, curtain walls, or glass doors in common or designated areas of the insured residential building due to sudden accidents. Also covers reasonable costs for removal, reinstallation, or loss mitigation related to covered damages.

1.本公司與信用卡合作之旅平險承保範圍為公共運輸交通工具，因此JR鐵路是屬於該範疇，搭乘期間意外體傷以及死亡是為承保之範圍。

2.承保對象除持卡人以外需視身分而定，本保險承保持卡人本人及配偶及未滿25歲之未婚子女，如為朋友或者父母兄弟姐妹等親屬則不在此範疇內。

1. Our travel insurance provided by credit card covers public transportation, including JR Railway. Coverage includes accidental injury and death during travel.
2. Coverage extends to the cardholder, spouse, and unmarried children under 25 years old. Friends, parents, siblings, and other relatives are not covered.