理賠問題
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Q25 被保險人因保險事故滯留Ａ地，致無法順利抵達Ｂ地，B地已預付的交通及住宿費無法取回，可否啟動「旅程更改保險」全額賠付B地之費用？ | The insured is stranded at Location A due to a covered event and cannot reach Location B. The prepaid transportation and accommodation fees at Location B are non-refundable. Can the Trip Alteration Insurance be invoked to reimburse the full cost at Location B?
很抱歉無法賠付。
被保險人於海外旅行期間內，因承保事故致被保險人必須更改其預定旅程因而所增加之交通或住宿費用，保險公司依保險契約之約定對被保險人負理賠之責。No benefit is payable.
During the overseas travel period, the insurer is liable only for additional transportation and accommodation expenses incurred as a direct result of a covered event necessitating a change to the planned itinerary. Prepaid transportation and accommodation costs at the unvisited destination that cannot be recovered do not qualify for reimbursement. -
Q26 被保險人於海外旅行期間，因航空業者處理失當致行李箱毀損或遺失，可否賠付「行李損失保險」？ | During an overseas trip, the insured's suitcase is damaged or lost due to mishandling by the airline. Is a claim payable under the Baggage Loss Insurance?
很抱歉無法賠付。
行李箱、手提箱或類似容器為保險契約約定之特別不保物品。
保險公司賠償的是被保險人置於行李箱、手提箱或類似容器內之個人物品遭受到的損失。No benefit is payable.
Suitcases, carry-on bags, and similar containers are specifically excluded items under the policy. The insurer's coverage applies to the loss of personal belongings placed inside such containers, not to the containers themselves. -
Q27 包機是否在旅行不便險承保範圍？ | Are charter flights covered under the Travel Inconvenience Insurance?
旅行社包機（旅遊行程或機位銷售予不特定旅客）符合承保範圍內。反之，企業或私人包機、特定活動包機、政府或救援包機（專門為某特定用途及目的之包機）非屬承保範圍。
Travel agency charter flights — where the itinerary or seats are sold to the general public — fall within the scope of coverage. Conversely, corporate or private charters, special-event charters, and government or rescue charters (i.e., those arranged for a specific designated purpose) are excluded from coverage.
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Q28 被保險人於海外旅行時隨身行李被竊，可否賠付「行李損失保險」？ | The insured's carry-on baggage is stolen while traveling overseas. Is a claim payable under the Baggage Loss Insurance?
可以。
被保險人於海外旅行期間內，因竊盜、強盜與搶奪致其所擁有且置於行李箱、手提箱或類似容器內之個人物品遭受損失，保險公司依保險契約約定之保險金額給付保險金。
保險期間內以給付二次為限。
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。Yes.
During the overseas travel period, if the insured's personal belongings — stored inside a suitcase, carry-on bag, or similar container — are lost due to theft, robbery, or forcible seizure, the insurer shall pay the benefit in accordance with the sum insured specified in the policy.
Payment is limited to two occurrences during the policy period.
The insured must file a report with the local police authority within 24 hours and obtain an official police report. -
Q29 任意汽車第三人責任險-財損賠付範圍包含哪些項目? | What items are covered under the Voluntary Third-Party Liability Insurance for property damage?
被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人財物受有損害，依法應負賠償責任而受賠償請求時，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 property damage to 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.
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Q30 行李箱在航空公司運送過程中摔壞了，可以理賠嗎? | Can I claim compensation if my suitcase is damaged during airline transport?
行李箱本體依保單條款約定，屬特別不保事項(物品)，無法理賠。
The suitcase itself is specifically excluded from coverage according to policy terms and cannot be claimed.
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Q31 旅行途中因突發疾病於當地醫院就醫，因無適當治療藥物，醫生建議回國再就醫，請問後續回國就醫可以申請理賠嗎? | If I get sick during travel and local hospital lacks proper medication, can I claim for subsequent medical treatment back home if doctor recommends returning?
海外突發疾病醫療保險金，僅賠付旅遊期間突發疾病需於海外醫療費用，不包含返國後續醫療。
Overseas emergency medical insurance only covers medical expenses incurred abroad during the travel period, not subsequent treatment after returning home.
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Q32 旅行途中因錢包被偷，信用卡遭盜刷，可以申請理賠嗎? | Can I claim compensation if my wallet is stolen and credit card fraudulently used during travel?
現金、珠寶、信用卡、金融卡或其他作為簽帳或提款之塑膠卡為除外不保，詳見條款特別不保事項。
Cash, jewelry, credit cards, ATM cards, or other payment/withdrawal cards are excluded from coverage, see policy exclusions for details
