常見問題

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.

操作與連結：連結請點我。

登入後＞點選（強制汽車責任保險電子式保險證下載）＞擇一輸入被保險人（身分證字號）或（統一編號）或（居留證號）＞擇一點選後輸入（車牌號碼）或（保險證號）或（車身引擎號碼）＞輸入（圖形驗證）＞點選（查詢）＞出現查詢結果後＞擇一點選下載（保險證）或（收據）＞下載後密碼為被保險人的身分證字號/統一編號/居留證號。

Operation steps: Click link > Login > Select (Download Electronic Compulsory Auto Insurance Certificate) > Enter insured's ID/Business Number/ARC > Enter license plate/policy number/VIN > Enter verification code > Click Search > Select download (Certificate/Receipt) > Password is insured's ID/Business Number/ARC.

若車禍事故涉及其他車輛，因需等待警方的肇事責任判定，通常需要兩周至一個月。如事故涉及人員傷亡，則有醫療療程、復健與和解等程序，處理時間通常會延展至數個月甚至一年以上。

For accidents involving other vehicles, resolution typically takes two weeks to one month due to police liability determination. If injuries or fatalities are involved, including medical treatment, rehabilitation, and settlement processes, it may extend to several months or over a year.

以下狀況為保險公司載明於保險契約內之一般性不保事項，駕駛人發生以下狀況時，保險公司會依據契約內容，拒絕理賠。

1. 受害人或受益人涉及不法犯罪行為。

2. 當事故發生車主未取得保險公司的同意逕行私下和解。

3. 吸食違禁藥物、酒後駕車。

4. 受害人或受益人與保險人或加害人串通、虛報、詐欺行為。

5. 保險公司賠償範圍只限於民事賠償部份，不包含刑事責任。

6. 屬於零件自然耗損品，保險公司不賠。

7. 無照駕駛。

8. 肇事逃逸。

The following situations are general exclusions specified in the insurance contract. Claims will be denied when:
1. Victim or beneficiary involved in illegal criminal activities
2. Vehicle owner settles privately without insurance company consent
3. Driving under influence of drugs or alcohol
4. Fraud or collusion between victim/beneficiary and insurer/perpetrator
5. Coverage limited to civil liability, excluding criminal liability
6. Natural wear and tear of parts
7. Driving without license
8. Hit and run

1.依照相關規定住宅火災保險若承保標的為建築物，則必須與地震基本保險一併投保，無法排除地震基本保險。

2.若仍有生效中長期住宅火險保單，則可另外單獨承保「明台產物住宅地震基本保險」。

1. According to regulations, if the insured object is a building, residential fire insurance must be purchased together with basic earthquake insurance; earthquake coverage cannot be excluded.
2. If there is an existing long-term residential fire insurance policy, the "Mingtai Property Basic Residential Earthquake Insurance" can be purchased separately.