旅平險

需視是否為同一事故，若為同次事故延誤時間可累加計算，同次事故說明詳條款

Whether the delay durations may be accumulated depends on whether all delays arise from the same single insured event. If they constitute the same single event, the durations may be accumulated; please refer to the policy terms for the definition of a single event.

行李延誤費用承保範圍是被保險人於保險期間進行海外旅行，故被保險人於返回中華民國境內時之行李延誤，依條款約定，無法獲得賠償。

Baggage delay coverage only applies during overseas travel periods, therefore delays occurring upon return to Taiwan are not eligible for compensation according to policy terms.

1.留意自身安全。

2.尋求相關單位的援助。(例如:各駐外使館或代表處、警察單位等）。

3.有關醫療費用部份，不論意外或疾病，請務必申請診斷書及醫療收據正本(若當地民情許可，建議多申請備份)。

4.有關旅程變更(更改)部份，請妥善保留所有消費(支出)單據正本。

5.隨身物品(文件)遭遇竊盜、強盜、搶奪或毀損滅失、遺失時，被保險人應在24小時內，向當地警政單位、住宿之旅館或所搭乘之公共交通工具業者報案並取得報案證明及損失清單。

1. Ensure personal safety.
2. Seek assistance from relevant authorities (e.g., embassies, representative offices, police).
3. For medical expenses, whether accident or illness, obtain original diagnosis certificates and medical receipts (request multiple copies if locally acceptable).
4. For itinerary changes, keep all original expense receipts.
5. For personal belongings/documents theft, robbery, damage, or loss, report to local police, accommodation, or public transport operator within 24 hours and obtain incident report and loss inventory.

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。
保戶若在公共交通工具業者之受僱人或機場之地勤、運務人員已取得罷工權、已預告工期間、已宣布罷工或工運活動、已發生罷工或工運活動後才向本公司投保旅行不便險，關於因罷工所導致的旅行不便事故（如班機取消、旅程取消、更改等）本公司不負賠償責任。

Per the Travel Personal Accident Insurance policy terms, any loss event that has already occurred at the time the policyholder or insured submits an application to enter into an insurance contract with the Company constitutes a Special Exclusion. If a policyholder purchases Travel Inconvenience Insurance after the employees of a public transportation operator or the ground-handling or operations personnel at an airport have already obtained the right to strike, issued advance notice of a work stoppage, announced a strike or labor action, or after a strike or labor action has already commenced, the Company shall bear no liability for any travel inconvenience losses caused by such strike (e.g., flight cancellation, trip cancellation, or itinerary change).

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、竊盜或遺失時且重新申辦文件該文件時，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。

When the travel documents used by the insured for the covered trip are stolen by robbery, snatching, or theft, or are lost, during an overseas trip, and the insured must reapply for replacement documents, the Company will pay the insured benefit in accordance with the insured amount specified in the policy.

[Helpful Reminder] ※ The insured must report the incident to the local police authority within twenty-four hours and obtain an official police report.

(1)以「旅程取消險」為例，被保險人於預定海外旅程開始前20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或機場之地勤、運務人員罷工罷工，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。機場安檢人員可視為地勤相關人員，故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，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或機場之地勤、運務人員罷工」，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。機場安檢人員視為機場之地勤相關人員，故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，符合本承保範圍。

(1) Under the Trip Cancellation Benefit: if, during the period beginning 20 days prior to the scheduled overseas trip departure date and ending at the commencement of the overseas trip (before departure), the employees of a scheduled public transportation carrier or the ground-handling or operations personnel at an airport go on strike, causing the scheduled flight to be cancelled or delayed by twenty-four hours or more such that the insured must cancel the entire planned itinerary, the Company will pay the benefit within the scope agreed in the policy. Airport security personnel may be regarded as ground-handling-related personnel; therefore, if a trip is cancelled due to a strike by airport security personnel, the claim falls within the scope of this coverage.

(2) Under the Flight Delay Benefit: if a policyholder's scheduled flight is delayed or cancelled due to a strike (regardless of whether the policyholder has already departed), and the policyholder travels on the originally scheduled flight or switches to an alternative flight, resulting in a total delay of four hours or more, the Company will pay the benefit in accordance with the policy terms; please refer to the policy terms for the required claim documents.
*Please note: Per the Travel Personal Accident Insurance policy terms, any loss event that has already occurred at the time the policyholder applies to enter into an insurance contract with the Company constitutes a 'Special Exclusion.' Therefore, if a policyholder purchases Travel Inconvenience Insurance after the airline has already announced a flight cancellation or delay, the claim will fall outside the scope of coverage.

(3) Under the Trip Alteration Benefit: if, during the overseas trip period (after departure), the insured must alter the itinerary due to a strike by employees of a public transportation carrier or ground-handling or operations personnel at an airport, and additional transportation or accommodation expenses are thereby incurred, the Company shall be liable for such expenses in accordance with the policy terms. Airport security personnel are regarded as ground-handling-related personnel at the airport; therefore, if a trip must be altered due to a strike by airport security personnel, the claim falls within the scope of this coverage.

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.