理賠問題
-
Q81 台灣飛大阪，因颱風造成班機延後一天出發，是否可給付因行程縮短所造成的損失?例如大阪1個晚上的旅館費用?
信用卡提供給持卡人的保險福利是因班機延誤或取消，持卡人緊急且必要的費用支出補償；並不包含因為行程縮短所造成旅費的損失。
-
Q82 車輛如因火災、水災、地震事故受損時，應如何處理? | How should I handle vehicle damage caused by fire, flood, or earthquake?
1. 保留現場。
2. 通報保險公司。
3. 拍攝現場照片。
4. 於事故發生5日內，向保險公司提出理賠申請。
1. Preserve the scene
2. Notify the insurance company
3. Take photos of the scene
4. Submit an insurance claim within 5 days of the incident -
Q83 投保車體損失保險，行駛時因路面凹洞造成輪胎、輪圈受損，是否可申請理賠? | If I have vehicle damage insurance, can I claim for tire and rim damage caused by road potholes?
1. 輪胎、輪圈一般不屬於車體損失險的承保範圍，因此，如果因行駛於路面，因路面凹洞或遭他人破壞致毀損，則無法獲得保險公司的賠償。
2. 但，如發生交通意外事故，使輪胎及輪圈與車身同時受損，且投保甲、乙式車體損失保險時，則屬承保之理賠範圍。
1. Tires and rims are generally not covered under vehicle damage insurance, so damage caused by road potholes or vandalism while driving is not eligible for compensation.
2. However, if tires and rims are damaged along with the vehicle body in a traffic accident and you have Type A or B vehicle damage insurance, it falls within the scope of coverage. -
Q84 基本地震保險可否申請裝潢或家具理賠?
基本地震保險只承保建築物本體，沒有承保裝潢及家具，因此裝潢及家具因地震造成的損失無法申請基本地震保險理賠。
-
Q85 詢問寵物險是否投保之後狗狗生病就有給付醫療費用? | Does pet insurance cover medical expenses immediately after policy purchase when pets get sick?
因疾病有等待期及相關除外不保項目，請參閱相關保單條款規範。
Illness coverage has waiting periods and exclusions; please refer to policy terms and conditions.
-
Q86 何謂重置成本，何謂實際現金價值?
重置成本為保險標的物以相同或類似品質之物品，依原設計、規格或功能重建或重置所需之成本，重置成本不扣除折舊。
實際現金價值指保險標的物於市場之實際現值，即重置成本扣除折舊後之金額。
-
Q87 傷害保險之保險金的給付對象是誰? | Who are the beneficiaries of accident insurance claims?
如為傷害醫療保險金、失能保險金，其給付對象為被保險人本人。
如為身故保險金，則其給付對象為保單約定之受益人。
For accident medical benefits and disability benefits, the beneficiary is the insured person.
For death benefits, the beneficiary is the designated beneficiary specified in the policy.
-
Q88 已投保強制保險，但駕照被吊扣，發生交通事故造成他人受傷，保險公司是否會理賠? | If I have compulsory insurance but my license is suspended, will the insurance company cover injuries to others in a traffic accident?
駕照遭吊扣，視同無照駕駛，保險公司可以拒絕理賠。
但如所投保險種為強制險，基於強制險保險契約之約定，保險公司會接受理賠申請，並於賠付受害者後，再向無照駕駛人追償。
A suspended license is considered driving without a license, and insurance companies can refuse claims.
However, for compulsory insurance, based on the contract terms, the insurance company will accept the claim and compensate the victim, then seek reimbursement from the unlicensed driver.
