常見問題

常見問題

  • Q113 何謂不足額投保，不足額投保時，保險公司如何理賠?

    保險契約中之保險金額與保險標的物的價值一致者，稱為「足額保險」，反之，保險金額低於保險標的物價值者，則為不足額保險。理論上，財產保險之保險金額，應與保險價額一致，但保險金額低於或高於保險價額之情形時常發生。

    當保險事故發生時，若為足額保險，則保險人依實際損失程度全部給予補償。但當事故發生時，若為不足額保險，保險公司則會依保險金額佔保險標的物價值之比例，依其比例賠付損失金額。

     

  • Q114 去年使用網路投保，今年收到車險續保通知單，要找指定人員投保嗎? | I used online insurance last year and received an auto insurance renewal notice this year. Do I need to find a designated person to insure?

    您收到的車險紙本通知主要為提醒您續保愛車的保障，可直接利用明台產險網站完成投保手續，方便安全又省時。

     

    The auto insurance paper notice you received is mainly to remind you about renewing your vehicle coverage. You can directly complete the insurance procedure through MSIG Mingtai website, which is convenient, safe, and time-saving.

  • Q115 強制證是否可以辦理監理業務（例如：驗車、過戶…）？ | Can eco compulsory certificates be used for motor vehicle administration (e.g., inspection, transfer)?

    是的，如遇警察臨檢、驗車或須至監理站辦理各項監理業務時，可直接以行動載具(手機/平板)出示eco強制證即可。（詳細監理業務說明請洽詢監理服務網）

     

    Yes, you can present the eco compulsory certificate on mobile devices (phone/tablet) for police inspections, vehicle inspections, or other motor vehicle administrative procedures (contact DMV service website for details).

  • Q116 國外留學時在海外刷卡是否承保 ? | Does credit card coverage apply for overseas study?

    信用卡主要額外提供持卡人旅遊時的平安保險，留學期間還是視個人需要，自行額外購買平安險才能完整轉嫁風險。

     

    Credit cards primarily provide travel accident insurance for cardholders. During study abroad periods, additional personal accident insurance should be purchased separately based on individual needs for comprehensive risk coverage.

  • Q117 未收到手機保險的電子保單 | Haven't received mobile phone insurance e-policy

    為響應環保永續節能，明台產險主要提供電子保單。

    1. 如需重新下載電子保單，請至【電子保單下載】進行下載。

    2. 如需要紙本保單或變動寄件地址，請於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。

     

    To support environmental sustainability, MSIG primarily provides e-policies.
    1. For e-policy re-download, please visit [E-policy Download].
    2. For paper policies or address changes, call 0800-528-528 during business hours (8:30-17:30), where a specialist will assist you.

  • Q118 無人機綜合保險與無人機責任保險有何不同？ | What's the difference between Comprehensive Drone Insurance and Drone Liability Insurance?

    無人機綜合保險主要承保無人機機體、零配件及第三人責任保險，而無人機責任保險僅承保第三人責任保險。

     

    Comprehensive Drone Insurance extending to physical loss or damage to Drone Hull, Spares, and third-party liability. As for Drone Liability Insurance covers third-party liability only.

  • Q119 信用卡刷全額機票旅行不便理賠項目?

    信用卡提供持卡人旅遊不便險主要為班機延誤及行李延誤/遺失兩項；但因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。

     

  • Q120 新幹線是否承保範圍 ? | Is Shinkansen covered under insurance?

    是，信用卡所提供的旅行平安保險承保範圍包含新幹線。

     

    Yes, travel insurance provided by credit card includes Shinkansen.