旅平險

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Act stipulates: When entering into a life insurance contract with a person under guardianship declaration that has not been revoked as the insured, except for funeral expense benefits, all other death benefits are invalid.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.

可上明台官網下載申請表填寫申請，或致電明台服務人員協助您申請。

You can download the application form from MSIG Mingtai's official website or call our service staff for assistance.

本保險契約的保險期間，以本保險契約保險單上所載日時為準。(不會自動延長時效)

如被保險人以乘客身份搭乘領有載客執照之交通工具，該交通工具之預訂抵達時刻係在本保險契約的保險期間內，因故延遲抵達而非被保險人所能控制者，本保險單自動延長有效期限至被保險人終止乘客身份時為止，但延長之期限不得超過24小時。

（白話解釋：若保單到期的時間被保險人還在飛機上，保期可自動延長至飛機降落，但最長不超過24小時)

The insurance period is based on the dates specified in the policy (no automatic extension).
However, if the insured is traveling as a passenger on a licensed carrier scheduled to arrive within the policy period, and the delay is beyond the insured's control, the policy will automatically extend until the insured's passenger status ends, but not exceeding 24 hours. (In simple terms: If the policy expires while the insured is still on the plane, coverage extends until landing, but not beyond 24 hours)

可以延長，請至官網下載契變申請書送明台核保單位。

Yes, you can extend it. Please download the policy change application form from our website and submit it to MSIG Mingtai's underwriting department.

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.

電話：886-2-6619-9210

服務項目可分成旅遊諮詢、醫療諮詢、醫療協助。

Phone: 886-2-6619-9210
Services include travel consultation, medical consultation, and medical assistance.

無法購買，請提早於旅程出發前購買。(投保時被保險人必須在國內)

Cannot purchase now. Please buy insurance before departure. (The insured must be in the country when purchasing insurance)