商品問題
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Q49 要怎麼知道自費購買的道路救援險的額度剩多少?保額如果不夠可以再加買嗎? | How to check the remaining coverage of self-paid roadside assistance insurance? Can additional coverage be purchased if the amount is insufficient?
請洽全鋒(免付費電話:0800-078-888)查詢道路救援的剩餘額度。
Please contact Chuan-Feng (toll-free number: 0800-078-888) to inquire about the remaining roadside assistance coverage.
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Q50 國外留學時在海外刷卡是否承保 ? | Does credit card coverage apply for overseas study?
信用卡主要額外提供持卡人旅遊時的平安保險，留學期間還是視個人需要，自行額外購買平安險才能完整轉嫁風險。
Credit cards primarily provide travel accident insurance for cardholders. During study abroad periods, additional personal accident insurance should be purchased separately based on individual needs for comprehensive risk coverage.
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Q51 無人機綜合保險與無人機責任保險有何不同？ | What's the difference between Comprehensive Drone Insurance and Drone Liability Insurance?
無人機綜合保險主要承保無人機機體、零配件及第三人責任保險，而無人機責任保險僅承保第三人責任保險。
Comprehensive Drone Insurance extending to physical loss or damage to Drone Hull, Spares, and third-party liability. As for Drone Liability Insurance covers third-party liability only.
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Q52 新幹線是否承保範圍 ? | Is Shinkansen covered under insurance?
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.
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Q53 意外傷害保險的身故受益人有限制嗎?可以以第三人做為受益人嗎?如不指定受益人可以嗎? | Are there restrictions on death beneficiaries for accident insurance? Can third parties be designated as beneficiaries? What if no beneficiary is designated?
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). -
Q54 汽車保險所說的「重置價格」指的是什麼? | What does "replacement price" mean in automobile insurance?
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.
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Q55 汽(機)車強制險可以不保嗎？未投保會遭受如何之處罰？ | Can compulsory auto/motorcycle insurance be skipped? What are the penalties for non-compliance?
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. -
Q56 需要額外加費多少才能獲得承保？ | How much additional fee is required for coverage?
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.
