旅平險

不行，旅程更改保險啟動須同時符合以下條件方可理賠
1.被保險人須於海外旅行期間
2.發生條款約定承保事故
被保險人還在中華民國境內，不符合「旅程更改」之理賠條件。

No, Trip Modification coverage requires two simultaneous conditions:
1. The insured must be during overseas travel
2. The incident must be covered by policy terms.
Being within ROC territory does not meet Trip Modification claim conditions.

被保險人於海外旅行期間內，因本次旅程使用之旅行文件被強盜、搶奪、竊盜或遺失時，本公司依約定之保險金額給付保險金。

【貼心提醒】

※被保險人應在二十四小時內，向當地警政單位報案並取得報案證明。

During overseas travel, if travel documents used for the current trip are lost due to robbery, mugging, theft, or misplacement, the company will pay the agreed insurance amount.
[Reminder] The insured must report to local police and obtain a police report within 24 hours.

(1)以「旅程取消險」為例，被保險人於預定海外旅程開始前七日至海外旅行期間開始前（尚未出國），因預定「搭乘之公共交通工具業者之受僱人」罷工，導致所預定搭乘之班次取消或延誤達二十四小時而必須取消預定的全部旅程，依保單約定範圍給付保險金。惟機場安檢人員並非「搭乘之公共交通工具業者之受僱人」故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，不符合本承保範圍。
(2)以「班機延誤險」為例，保戶若因罷工事件造成預定搭乘的班機延誤或取消（不限是否已出國），仍搭乘「原訂」班機或改搭「其他」班機，因此延誤達四小時以上者，將依保單條款約定給付保險金，相關理賠申請文件請參考保單條款所列。
＊請注意：依旅平險條款所示，要保人或被保險人向本公司申請訂立保險契約時已發生之事故乃屬於「特別不保事項」。故保戶若在航空公司已宣布班機取消或延誤才向本公司投保旅行不便險，則不在理賠範圍。
(3)以「旅程更改險」為例，保戶若於海外旅行期間（已出國）因「搭乘之公共交通工具業者之受僱人」罷工，因該罷工事件導致須進行旅程更改而所增加的交通或住宿費用，本公司依保單條款約定負理賠之責。惟機場安檢人員並非「搭乘之公共交通工具業者之受僱人」故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，不符合本承保範圍。

(1) For "Trip Cancellation Insurance", if a strike by employees of the scheduled public transportation carrier occurs between seven days before the planned overseas trip and before departure (not yet abroad), causing the scheduled flight to be cancelled or delayed by 24 hours, requiring full trip cancellation, insurance will be paid according to policy terms. However, airport security personnel are not employees of the transportation carrier, so if a trip is cancelled due to airport security personnel strike, it is not within the coverage.
(2) For "Flight Delay Insurance", if a strike causes the scheduled flight to be delayed or cancelled (regardless of whether abroad), and the insured still takes the "original" or "alternative" flight with a delay exceeding four hours, insurance will be paid according to policy terms. Refer to the policy for claim documents. *Note: According to travel insurance terms, incidents already occurring when applying for the contract are "special exclusions". If a policyholder purchases travel inconvenience insurance after an airline has announced flight cancellation or delay, it is not within the claim scope.
(3) For "Trip Modification Insurance", if a strike by employees of the public transportation carrier during overseas travel leads to trip modifications and additional transportation or accommodation costs, the company will compensate according to policy terms. However, airport security personnel are not transportation carrier employees, so trip cancellation due to their strike is not covered.

對被保險人因意外傷害所致且經過本公司配合之SOS專業評估有「緊急醫療運送」之必要性及「遺體或骨灰運返費用」或「安排未成年子女返國費用」；其他非承保範圍服務所生之相關費用需由保戶全額或部分負擔。

SOS assistance applies to insureds with accidental injuries requiring "emergency medical transportation," "repatriation of remains/ashes," or "return arrangements for underage children" as assessed by our partnered SOS professionals. Other non-covered service expenses must be fully or partially borne by the policyholder.