理賠問題

明台產險無提供備用機服務，有此需求者在送修時可詢問原購機門市人員。

如獸醫院為政府登記合格營業之獸醫院，因非除外項目之疾病接受治療，可申請門診費用補償保險金，但治療行為須為因疾病或意外傷害造成，預防性治療不在承保範圍內。

Treatment at government-registered veterinary hospitals is eligible for outpatient expense compensation if treating non-excluded conditions. Treatment must be for illness or accidental injury; preventive treatments are not covered.

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).

有關借用汽機車肇事，保險公司是否理賠，需視保險契約內容而定。

一. 在強制險部分，只要是經過被保險人同意而使用該汽機車之人，發生保險事故時均能獲得理賠，但如駕駛人因故意、犯罪或受酒精藥物影響等原因而肇事，保險公司得於給付請求權人理賠金額後，再向駕駛人追償。

二. 在汽車車體損失險的部分，則需視保險契約內所約定的被保險人範圍而定，一般車體損失險的被保險人通常包括以下：

1. 列名被保險險(個人或公司團體)。

2. 列名被保險人之配偶、其同居家屬、四等血親及三等姻親。

3. 列名被保險人所雇用駕駛人及所屬之業務使用人。

三. 在汽機車第三人責任險方面，同樣需視保險契約內容而定，一般汽機車第三人責任保險之被保險人通常包括以下：

1. 列名被保險人及其同居家屬

2. 列名被保險人所雇用之駕駛人及其所屬之業務使用人。

3. 經列名被保險人許可使用或管理被保險汽車之人。

因此，事故發生時駕駛或騎乘被保險汽機車之人，若不是原被保險人，則需根據其投保之險種，如符合汽機車保險約定之被保險人定義，則保險公司會依保險契約賠付，事後亦不會再向駕駛或騎乘被保險汽車之人行使求償權利。

Regarding accidents involving borrowed vehicles, coverage depends on the insurance contract terms:
I. For compulsory insurance, anyone using the vehicle with the insured's permission is covered, but if the driver causes an accident due to intentional acts, crimes, or under the influence of alcohol/drugs, the insurance company can seek reimbursement from the driver after compensating the victim.
II. For vehicle damage insurance, coverage depends on the defined scope of insured persons, typically including:
1. Named insured (individual or company)
2. Named insured's spouse, cohabitating family members, relatives within four degrees of blood relation and three degrees of marriage
3. Employed drivers and business users.
III. For third-party liability insurance, coverage typically includes:
1. Named insured and cohabitating family members
2. Employed drivers and business users
3. Persons authorized to use or manage the insured vehicle.
Therefore, if the driver is not the original insured, coverage depends on the insurance type and if they meet the definition of an insured person, the company will pay according to the contract without seeking reimbursement.

不可，理賠所需文件之診斷書必須為正本，如有投保其他家保險公司，請向醫療院所申請多份正本診斷書，或依醫院規定核發之副本診斷書，診斷書開立費用可在實支實付型商品的保險額度內給付。

No, original medical certificates are required for claims. If you have multiple insurance policies, request multiple original certificates from the medical institution. Certificate issuance fees can be covered under actual expense reimbursement policies.

如果因颱風而致班機被取消或延誤達4小時以上者，為信用卡旅遊不便險之承保範圍，保險公司會理賠必要之食宿與當地住宿來往機場交通費用。但前述費用若發生於居、住所在地，本公司不負理賠之責。

不論行程是否連續，轉機每誤點一次，均屬一次獨立事件，不可合併計算行程延誤時間。

關於保單條款內容，可至承保手機保險的電信門市詢問或於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。