商品問題
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Q73 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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Q74 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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Q75 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.
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Q76 因工作關係經常出國，可以一次保1整年度的旅平險嗎? | Due to frequent business travel, can I purchase travel insurance for an entire year at once?
旅平險一次最多投保180天，超過不可延長。
Travel insurance can only be purchased for a maximum of 180 days at a time, no extensions beyond this period.
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Q77 無人機綜合保險機體險保額如何評估？ | How to evaluate insured amount for Drone Hull Insurance?
無人機綜合保險機體險保額主要是以無人機市場價值作考量並由保險人評估後同意承保。
Mainly depends upon market value, but finally evaluated and agreed by the insurer.
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Q78 只買空機可以投保手機險嗎 | Can I purchase mobile phone insurance for an unlocked phone?
與明台合作之中華電信門市無開放只購買空機就可加購手機保險之服務，可至中華電信門市詢問或於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
The Chunghwa Telecom stores collaborating with MSIG Mingtai do not offer mobile phone insurance for an unlocked phone. Please visit a Chunghwa Telecom store or call 0800-528-528 during office hours (8:30-17:30), where a specialist will assist you.
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Q79 住宅火險及地震基本保險可以分開投保嗎? | Can residential fire insurance and basic earthquake insurance be purchased separately?
1.依照相關規定住宅火災保險若承保標的為建築物，則必須與地震基本保險一併投保，無法排除地震基本保險。
2.若仍有生效中長期住宅火險保單，則可另外單獨承保「明台產物住宅地震基本保險」。
1. According to regulations, if the insured object is a building, residential fire insurance must be purchased together with basic earthquake insurance; earthquake coverage cannot be excluded.
2. If there is an existing long-term residential fire insurance policy, the "Mingtai Property Basic Residential Earthquake Insurance" can be purchased separately. -
Q80 有銀行貸款，今年要自行保險，要怎麼辦理? | How do I arrange self-insurance this year for a mortgaged property?
可先通知貸款銀行並請於保單到期前完成投保，並將續保年度保單正本及收據副本寄至貸款銀行。
Notify the lending bank and complete insurance coverage before policy expiration. Send the original renewal policy and receipt copy to the lending bank.
