常見問題

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

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.

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。

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.

依照法令，未滿十五足歲之未成年人，除喪葬費用之給付外，其餘死亡給付之約定於滿十五足歲之日起發生效力；如滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。

According to regulations, for minors under 15 years old, death benefits other than funeral expenses take effect on their 15th birthday; if death occurs before turning 15, the death benefit will be changed to funeral expense insurance.

旅平險一次最多投保180天，超過不可延長。

Travel insurance can only be purchased for a maximum of 180 days at a time, no extensions beyond this period.

無人機綜合保險機體險保額主要是以無人機市場價值作考量並由保險人評估後同意承保。

Mainly depends upon market value, but finally evaluated and agreed by the insurer.

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。