理賠問題
-
Q17 毛小孩打架算不算侵權責任? | Is pet fighting considered a liability incident?
如狗狗雙方打架造成對方狗狗受傷，符合造成第三人財物損害定義，若對方求償即可申請理賠。
If fighting between dogs results in injury to another dog, it meets the definition of third-party property damage and can be claimed if compensation is sought.
-
Q18 國內旅遊時信用卡旅遊不便保險可以理賠嗎?
信用卡旅遊不便保險適用於國內線班機，因此搭乘國內線班機時發生的隨行交運行李之行李延誤/遺失或班機延誤可以獲得實支實付之理賠，但不包括自本國居住地出發之行程。相關理賠內容可參考前項「如何申請信用卡保險班機延誤費用之給付」以及「如何申請信用卡保險行李延誤/遺失費用之給付」。
-
Q19 如文件齊全，相關手續完備且理賠金額經確認後，保險公司多久會支付賠款?
相關文件齊全、理賠金額確認、理賠手續完備之狀況下，保險公司應於十五天內完成賠付。
-
Q20 何謂共同海損?
稱共同海損者，謂在船舶航程期間，為求共同危險中全體財產之安全所為故意及合理處分，而直接造成之犧牲及發生之費用。
-
Q21 當發生旅遊事故時，被保險人應注意哪些事情? | What should the insured person pay attention to when a travel incident occurs?
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. -
Q22 手機保險維修要送到哪修?
請將故障手機送回原購機門市，並告知門市人員有投保明台手機保險即可。
-
Q23 傷害保險之請求時效(申請保險金的期限)? | What is the statute of limitations for accident insurance claims?
依據保險契約之約定，一般均為自得請求之日起兩年內，如果經過兩年仍未申請保險理賠，則請求權將消滅。
According to insurance contract terms, claims must typically be filed within two years from the date of eligibility; the right to claim expires if not filed within this period.
-
Q24 任意汽車第三人責任險-體傷賠付範圍包含哪些項目? | What items are covered under the Voluntary Third-Party Liability Insurance for bodily injury?
被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人傷害或死亡，依法應負賠償責任而受賠償請求時，對於超過強制汽車責任保險給付標準以外的部分，在保險金額內保險公司對被保險人負賠償之責。
When the insured is legally liable for compensation due to injury or death of a third party caused by an accident involving the ownership, use, or management of the insured vehicle, the insurance company shall be liable for compensation to the insured within the insurance amount for the portion exceeding the payment standards of Compulsory Automobile Liability Insurance.
