商品問題

如要保人或被保險人因精神或智能障礙，並有受監護宣告之情形時，應由其法定代理人或監護人辦理投保、契約變更(契約批改)、理賠等事宜。法定代理人或監護人為受監護宣告者初次辦理保險業務，應檢附該要保人或被保險人受監護宣告之證明文件。另外在保險法第107條之一規定：訂立人壽保險契約時，以受監護宣告尚未撤銷者為被保險人，除喪葬費用之給付外，其餘死亡給付部分無效。前項喪葬費用之保險金額，不得超過遺產及贈與稅法第十七條有關遺產稅喪葬費扣除額之一半。

When the applicant or insured has a declaration of guardianship due to mental or intellectual disability, the legal representative or guardian shall handle matters such as insurance application, policy changes (policy endorsements), and claims. When a legal representative or guardian handles insurance business for the first time on behalf of a person under guardianship declaration, supporting documents proving the applicant's or insured's guardianship declaration status must be attached. Additionally, Article 107-1 of the Insurance Act stipulates: When entering into a life insurance contract with a person under guardianship declaration that has not been revoked as the insured, except for funeral expense benefits, all other death benefits are invalid. The insurance amount for funeral expenses as mentioned in the preceding paragraph shall not exceed half of the funeral expense deduction for estate tax as specified in Article 17 of the Estate and Gift Tax Act.

本公司對於有領取身心障礙手冊(證明)之人士的承保受理，均是遵循「保險業金融友善服務準則」、「保險業金融友善服務準則實務作業問答集」、「保險業承保身心者障礙處理原則」及「保險業務員協助身心障礙者投保機制」等相關規定辦理，上述相關規定可以參考友善服務措施 - 明台產物保險。

Our company's underwriting acceptance for individuals with physical and mental disability handbooks (certificates) is handled in accordance with relevant regulations including the "Financial Accessibility Service Guidelines for Insurance Industry," "Practical Q&A Collection for Financial Accessibility Service Guidelines for Insurance Industry," "Principles for Insurance Industry Underwriting of Persons with Disabilities," and "Mechanism for Insurance Agents to Assist Persons with Disabilities in Insurance Application." The above-mentioned regulations can be referenced at Accessibility Service Measures - MSIG-Mingtai Insurance.

商業火災保險所承保的保險事故為火災、爆炸引起之火災、閃電雷擊。
另外，可以約定以附加險方式承保下列的危險事故，使自身財產獲得更完善的保障。
可附加承保的附加險：爆炸險、颱風洪水險、地震險、航空器墜落、機動車輛碰撞險、罷工暴動、民眾騷擾、惡意破壞行為險、自動消防裝置滲漏險、竊盜險、煙燻險、水漬險。

Commercial Fire Insurance covers insurance events including fire, fire caused by explosion, and lightning strike.
Additionally, you can arrange for more comprehensive property protection by adding the following perils through endorsements.
Available endorsements include: Explosion Insurance, Typhoon and Flood Insurance, Earthquake Insurance, Aircraft Crash, Motor Vehicle Collision Insurance, Strike, Riot, Civil Commotion, Malicious Damage Insurance, Automatic Sprinkler Leakage Insurance, Theft Insurance, Smoke Damage Insurance, Water Damage Insurance.

微型電動二輪車強制險投保方式，可參考
1. 「微型電動二輪車強制險宣導專區」
2. 「監理服務網-微型電動二輪車專區」(多國語言服務)
3. 「微型電動二輪車強制險承保Q&A」

Procedures for purchasing compulsory automobile liability insurance for Mini Electric Two-wheel Vehicle, please refer to:
1. "Mini Electric Two-wheel Vehicle compulsory automobile liability insurance Promotion Area"
2. "Motor Vehicle Driver Information Service - compulsory automobile liability insurance for Mini Electric Two-wheel Vehicle" (multilingual service)
3. "compulsory automobile liability insurance for Mini Electric Two-wheel Vehicle Underwriting Q&A"

應投保強制汽車責任保險(以下稱強制車險)之汽車種類如下：

1.公路法第2條第10款規定之汽車。但國軍編制內軍用車輛管理及處罰辦法第2條規定之軍用車輛於作戰期間，不在此限。

2.依據道路交通安全規則第83條規定向公路監理機關申請核發臨時通行證之動力機械。

3.汽車牌照報廢、繳還、繳存、繳銷、吊銷或註銷後仍行駛之汽車。

4.強制汽車責任保險法第5條之1施行後第1項及第2項所定之微型電動二輪車。

Vehicles requiring compulsory insurance include:
1. Vehicles defined in Article 2-10 of the Highway Act (excluding military vehicles during combat operations).
2. Power machinery requiring temporary permits under Article 83 of Road Traffic Safety Rules.
3. Vehicles still in operation after license plate retirement, return, deposit, cancellation, revocation, or withdrawal.
4. Micro electric two-wheelers as defined in Article 5-1 of the Compulsory Automobile Liability Insurance Act.

因現行實施收費出單制度，繳費應於生效日之前完成，若超過繳費期限即無法以原繳費單進行繳費，請連繫您的業務人員協助重新報價並提供新的繳費單；於收到新的繳費單後，請於約定生效之繳費期限內完成繳費動作，保險始可生效。

Under the current billing system, payment must be completed before the effective date. If the payment deadline is exceeded, the original payment slip cannot be used. Please contact your sales representative for a new quote and payment slip. After receiving the new payment slip, complete the payment within the agreed effective period for the insurance to take effect.

骨折未住院為傷害險住院日額的附加險，故傷害險投保住院日額即含骨折未住院。

Fracture without hospitalization is a rider to the daily hospital benefit in accident insurance; therefore, accident insurance with daily hospital benefit includes fracture without hospitalization coverage.

目前紙本及官網寵物保險停止收件中。

Currently, both paper and online applications for pet insurance are suspended.