常見問題

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。

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.

請先確認您當初註冊的信箱正確性，驗證碼會同步發送至原註冊的電子郵件及行動電話。

倘若於電子信箱沒看到驗證碼通知信，可至垃圾信件匣確認。

Please confirm the accuracy of your registered email address. The verification code will be sent simultaneously to your registered email and mobile phone.

If you don't see the verification code notification in your email inbox, please check your spam folder.

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.

與明台合作之中華電信門市無開放只購買空機就可加購手機保險之服務，可至中華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。

The Chunghwa Telecom stores collaborating with MSIG Mingtai do not offer mobile phone insurance for an unlocked phone. Please visit a Chunghwa Telecom store or call 0800-528-528 during office hours (8:30-17:30), where a specialist will assist you.