商品問題
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Q65 若已投保了汽(機)車強制險，但車子借給朋友使用，朋友不小心開車撞傷路人，保險公司是否負擔理賠責任？ | If I have compulsory auto/motorcycle insurance and lend my vehicle to a friend who accidentally injures a pedestrian, will the insurance company cover the claim?
只要經過要保人同意使用該輛汽車之人，發生承保範圍內之意外事故時，保險公司均會負擔理賠責任，但該駕駛人如為故意、從事犯罪行為或受酒精影響等原因而肇事，保險公司會於支付保險理賠金給受害人後，再向駕駛人進行追償。
The insurance company will cover claims for accidents within the scope of coverage when the vehicle is used with the policyholder's consent. However, if the driver causes an accident due to intentional acts, criminal behavior, or under the influence of alcohol, the insurance company will pay the claim to the victim first and then seek reimbursement from the driver.
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Q66 如汽機車登記之車主與實際使用者不同人時，應該如何投保？ | How should insurance be arranged when the registered vehicle owner differs from the actual user?
使用人可以代為投保汽機車強制責任險。但汽機車強制責任險必須以行照上所記載之人為被保險人。
The actual user can purchase compulsory auto/motorcycle liability insurance on behalf of the owner. However, the insured party must be the person registered on the vehicle license.
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Q67 詢問刷全額團費搭郵輪到石垣島旅遊是否在信用卡所提供的旅行平安保險承保範圍？ | Inquire whether the full tour fee paid by credit card for a trip to Ishigaki Island with Cruises is covered under the travel insurance provided by the credit card.
信用卡提供給卡友的福利是信用卡公共運輸工具期間旅行平安保險，郵輪並不是保單定義的公共運輸工具，因此搭乘郵輪期間發生的意外事故，並不是信用卡提供的信用卡公共運輸工具期間旅行平安保險承保範圍。
Travel insurance provided by credit card covers accidents during public transportation travel. Cruises is not defined as public transportation under the policy, therefore accidents occurring during Cruises travel are not covered unde public transportation travel insurance provided by credit card.
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Q68 是否提供機場免費停車？ | Is free airport parking provided?
請直接洽詢您的發卡銀行或信用卡公司。
Please contact your card issuer or credit card company directly.
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Q69 是否須分開刷各種交通票劵才有承保？或者只須刷單一種則全程保障？ | Do different transportation tickets need to be purchased separately for coverage, or does purchasing one type provide full coverage for the entire trip?
是，搭乘不同公共交通工具，須分別以承保信用卡支付全額交通費用，始得到該段搭乘之保障。
Yes, when using different public transportation modes, each fare must be paid in full separately with the insured credit card to receive coverage for that segment.
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Q70 透過保經業務投保健康傷害險，保單從填寫日期生效?還是保險公司接件後開始生效? | When purchasing health and accident insurance through an insurance broker, does the policy take effect from the application date or from when the insurance company receives the application?
保險公司接件日(需於保期生效前完成繳費)。
The date the insurance company receives the application (premium must be paid before policy effective date).
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Q71 健康告知事項一定要填寫嗎?如果告知不實會有什麼影響? | Is health disclosure mandatory? What are the consequences of false disclosure?
投保時請據實告知健康狀況，如未具實填寫影響危險之估計，本公司有權依保險法相關規定解除契約。
Please provide accurate health information when applying. If false information affecting risk assessment is provided, the company has the right to terminate the contract according to insurance law.
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Q72 未滿15歲子女是否在信用卡所提供的旅行平安險承保範圍? | Are children under 15 covered by the travel insurance provided by the credit card?
依照法令，未滿十五足歲之未成年人，除喪葬費用之給付外，其餘死亡給付之約定於滿十五足歲之日起發生效力；如滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。
According to regulations, for minors under 15 years old, death benefits other than funeral expenses take effect on their 15th birthday; if death occurs before turning 15, the death benefit will be changed to funeral expense insurance.
