常見問題

依照實際醫療費用收據乘以補償比例即為理賠金額，最高理賠金額以保單所載理賠金額為限。

The claim amount is calculated by multiplying actual medical expense receipts by the compensation rate, subject to policy limits.

每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。

Benefits vary by credit card issuer and card type. Please check your card issuer's website for specific insurance coverage details.

國術館或接骨所非法定的醫療院所，傳統接骨師父也未領有醫師執照，不符契約規定之合法醫療院所及醫師之要求，因此於國術館、接骨所之治療費用，將無法獲得保險公司理賠。

Traditional bone-setting clinics or martial arts halls are not legally recognized medical institutions, and traditional bone-setters do not hold medical licenses. Treatment costs from these facilities cannot be claimed as they do not meet the contract requirements for legal medical institutions and licensed physicians.

抽獎、贈送或以累積里程兌換之免費機票，因信用卡持卡人並未使用承保信用卡支付機票費用，不符合保單條款之規定，因此搭乘之班機如有延誤、取消，將無法獲得信用卡保險之理賠。

所承保之保險標的物因火災、閃電雷擊、爆炸或意外事故所致之煙燻，致第三人遭受體傷、死亡或財產損害時，責任在於被保險人則可請求負賠償責任。

Covers liability for third-party bodily injury, death, or property damage caused by fire, lightning strike, explosion, or smoke damage from accidental incidents involving the insured property, when the insured is legally liable.

CIF的貿易條件通常包括運費與保險費，一般狀況下，此貿易條件下賣方需要負擔保險成本。

Incoterms CIF includes Costs, Insurance, and Freight, which represents the charges paid by a seller to cover the costs, insurance, and freight of a buyer's order.

可以延長，請至官網下載契變申請書送明台核保單位。

Yes, you can extend it. Please download the policy change application form from our website and submit it to MSIG Mingtai's underwriting department.

被保險人因以下原因：

1. 失接已確認之轉接定期班機，且於其到達轉運站後4小時內無其他任何可代替之空中交通工具前往目的地。

2. 已經確認之定期班機延誤達4小時以上、被取消或因超額訂位致被保險人無法登機，且於該機預定起飛時間4小時內無其他任何班機可供其轉搭前往目的地者。

在出發地或轉機地，因班機延誤，於航空公司安排之最快改搭班機出發前，產生之合理且必要之住宿費、膳食、來往機場及住宿地點之交通費、及因住宿且行李已交寄時發生為緊急需要購買換洗衣物之費用，保險公司依契約約定金額內依實支實付原則，負擔賠償責任。

已經確認之班機不包括自本國出發，且在報到前已確定延誤或取消者。

「定期班機」指領有航空器營運及註冊國相關單位核准其經營航空交通運輸業務之證明、執照或相關許可航空公司，依據其出版之航行於固定機場間之時刻表及價目表，提供旅客服務之班機。