商品問題
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Q57 汽(機)車強制險之保險範圍為何？ | What is the coverage scope of compulsory auto/motorcycle insurance?
強制險不論汽機車駕駛人或被保險人有無過失，保險公司均會負擔賠償責任(因強制險採無過失責任賠償基礎)。
強制險對受害人(包括肇事汽車以外之第三人及車上乘客，但不包括肇事汽車之駕駛人）的賠償範圍如下：
1. 傷害醫療給付：每人最高20萬元。
2. 失能給付：依失能程度分為15等級，每人最高200萬元。
3. 死亡給付：每人定額給付200萬元。
Compulsory insurance covers compensation regardless of driver or insured fault (no-fault liability basis).
Coverage for victims (including third parties and passengers, excluding the at-fault driver) includes:
1. Medical expenses: up to NT$200,000 per person.
2. Disability payment: 15 levels based on disability degree, up to NT$2 million per person.
3. Death benefit: fixed NT$2 million per person. -
Q58 住宅玻璃保險承保範圍? | What is the coverage scope of residential glass insurance?
對於承保之住宅建築物因突發意外事故導致固定裝置於四周外牆之玻璃窗戶、玻璃帷幕或專有部分或約定專用部分對外出入之玻璃門破裂之損失，負賠償責任。因前項損失所須拆除、重新裝置或為減輕損失所需合理之費用，亦負賠償責任。
Covers damage to fixed glass windows, curtain walls, or glass doors in common or designated areas of the insured residential building due to sudden accidents. Also covers reasonable costs for removal, reinstallation, or loss mitigation related to covered damages.
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Q59 詢問以信用卡消費日本JR鐵路是否屬承保範圍？如刷卡兩人票價是否兩人皆有承保？ | Does credit card insurance's coverage apply to purchases on Japan's JR Railway? If two tickets are bought, are both passengers covered?
1.本公司與信用卡合作之旅平險承保範圍為公共運輸交通工具，因此JR鐵路是屬於該範疇，搭乘期間意外體傷以及死亡是為承保之範圍。
2.承保對象除持卡人以外需視身分而定，本保險承保持卡人本人及配偶及未滿25歲之未婚子女，如為朋友或者父母兄弟姐妹等親屬則不在此範疇內。
1. Our travel insurance provided by credit card covers public transportation, including JR Railway. Coverage includes accidental injury and death during travel.
2. Coverage extends to the cardholder, spouse, and unmarried children under 25 years old. Friends, parents, siblings, and other relatives are not covered. -
Q60 若是機車或汽車強制險保險已過期，逾期投保可將生效日回溯嗎？ | If compulsory auto/motorcycle insurance has expired, can the effective date be backdated for late renewal?
若是您的機車或汽車強制保險續保已經過期，逾期投保時，僅能以投保當日做為生效日，不可回溯。
If your compulsory auto/motorcycle insurance renewal has expired, the new policy can only be effective from the current date of application, backdating is not allowed.
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Q61 參加旅行團時，搭乘鐵路火車是否在信用卡所提供的旅行平安保險承保範圍? | When joining a tour group, is train travel covered under the travel insurance provided by the credit card?
只要確認以承保信用卡支付八成以上團費，即享有搭乘公共運輸工具期間的平安保險。
As long as 80% or more of the tour fee is paid with the insured credit card, travel accident insurance coverage applies during public transportation use.
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Q62 我的汽(機)車強制險尚未到期，可以提前辦理續保嗎？ | Can I renew my compulsory auto/motorcycle insurance before it expires?
可以。可在強制險到期90天前就先辦理投保手續。
Yes. You can process the insurance renewal up to 90 days before the compulsory insurance expires.
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Q63 我可以只保「三個月」或「半年」的強制險嗎？ | Can I purchase compulsory insurance for only "three months" or "half a year"?
汽車：保險期間為一年，如汽車領用「臨時牌照」、「試車牌照」或動力機械領用「臨時通行證」者，可以選擇投保一年期或配合該牌照或通行證之有效期間，投保低於一年期之保險。
機車：為一至二年，由車主自行選擇。
Automobiles: Insurance period is one year, except for vehicles with temporary licenses, test plates, or temporary permits for power machinery, which can be insured for less than a year matching the validity period.
Motorcycles: One to two years, as chosen by the owner.
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Q64 詢問郵輪是否在信用卡所提供的旅行平安保險承保範圍？ | Is Cruises covered under the travel insurance provided by the credit card?
信用卡提供給卡友的福利是搭乘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.
