商品問題

一般信用卡提供卡友的旅行平安保險不包含旅遊全程，僅限於搭乘使用信用卡支付的公共運輸工具期間發生的意外。但因每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。

Generally, travel insurance provided by credit card does not cover the entire trip, only accidents during public transportation paid with the credit card. Benefits vary by card issuer and type, so please check your card issuer's website for specific coverage details.

明年承保狀況需視新一年度合約而定，建議可洽詢您的信用卡公司，明年是否仍提供此項福利。

Next year's coverage depends on the new annual contract. Please consult your credit card company about continued benefits for next year.

汽車任意保險包括：

1. 汽車車體損失險（甲式、乙式、丙式、限額車對車碰撞）。

2. 汽車竊盜損失險：承保汽車失竊所造成的損失。

3. 汽車第三人責任保險（人身傷害與財物損失）。

4. 乘客責任保險（自用車適用）。

5. 旅客及僱主責任保險（營業車適用）。

6. 其他特約保險。

Voluntary auto insurance includes:
1. Auto physical damage insurance (Type A, B, C, limited vehicle-to-vehicle collision).
2. Auto theft loss insurance: covers losses due to vehicle theft.
3. Third-party liability insurance (bodily injury and property damage).
4. Passenger liability insurance (for private vehicles).
5. Passenger and employer liability insurance (for commercial vehicles).
6. Other special agreement insurance.

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.

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.

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.

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.

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.