常見問題

被保險人於海外旅行期間內，因本次旅程使用之旅行文件被強盜、搶奪、竊盜或遺失時，本公司依約定之保險金額給付保險金。

【貼心提醒】

※被保險人應在二十四小時內，向當地警政單位報案並取得報案證明。

During overseas travel, if travel documents used for the current trip are lost due to robbery, mugging, theft, or misplacement, the company will pay the agreed insurance amount.
[Reminder] The insured must report to local police and obtain a police report within 24 hours.

汽車任意保險包括：

1. 汽車車體損失險（甲式、乙式、丙式、限額車對車碰撞）。

2. 汽車竊盜損失險：承保汽車失竊所造成的損失。

3. 汽車第三人責任保險（人身傷害與財物損失）。

4. 乘客責任保險（自用車適用）。

5. 旅客及僱主責任保險（營業車適用）。

6. 其他特約保險。

Voluntary auto insurance includes:
1. Auto physical damage insurance (Type A, B, C, limited vehicle-to-vehicle collision).
2. Auto theft loss insurance: covers losses due to vehicle theft.
3. Third-party liability insurance (bodily injury and property damage).
4. Passenger liability insurance (for private vehicles).
5. Passenger and employer liability insurance (for commercial vehicles).
6. Other special agreement insurance.

所謂「自負額」指每一次意外事故發生時，被保險人必須自行承擔的損失金額，保險公司僅對超過自負額的部份負賠償責任。
假設當您投保車體損失險甲式或乙式並選擇自負額357為例，當被保險汽車發生承保範圍之損失時，被保險人須依出險次數而增加自行負擔之支出，第一次出險，被保險人負擔3,000元，第二次負擔5,000元，第三次以後（含第三次）被保險人負擔7,000元，保險公司僅對超過自負額的部份負賠償責任。
「自負額」的目的，是為了減少小額賠款的理賠，降低理賠成本，同時也減輕要保人的保費負擔，並可以提醒駕駛人小心駕駛、注意行車安全，避免意外事故，因為事故發生後，自己也要需要負擔部分的損失。
要保人或車主投保時，可以選擇較高之自負額，保險費會相對降低。

A "deductible" is the amount the insured must pay for each accident before insurance coverage begins. For example, with Type A or B physical damage insurance using deductible plan 357, the insured pays NT$3,000 for the first claim, NT$5,000 for the second, and NT$7,000 for the third and subsequent claims.
The purpose of deductibles is to reduce small claims processing costs, lower premium burdens, and encourage careful driving since drivers share accident costs.
Policyholders can choose higher deductibles for lower premiums.

信用卡提供卡友的旅行平安保險原則上需在保險期間才有保障，過了今年保單的保險期間後，需洽詢信用卡公司是否仍額外提供卡友此項福利。

Travel insurance provided by credit card coverage generally requires travel within the insurance period. After this year's policy period ends, please check with your credit card company about continued benefits.

一旦投保建築達到理賠標準，保險公司會先行給付「臨時住宿費用20萬元」，建築物方面則依投保保險金額(最高150萬元)給付。

(1)以「旅程取消險」為例，被保險人於預定海外旅程開始前七日至海外旅行期間開始前（尚未出國），因預定「搭乘之公共交通工具業者之受僱人」罷工，導致所預定搭乘之班次取消或延誤達二十四小時而必須取消預定的全部旅程，依保單約定範圍給付保險金。惟機場安檢人員並非「搭乘之公共交通工具業者之受僱人」故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，不符合本承保範圍。
(2)以「班機延誤險」為例，保戶若因罷工事件造成預定搭乘的班機延誤或取消（不限是否已出國），仍搭乘「原訂」班機或改搭「其他」班機，因此延誤達四小時以上者，將依保單條款約定給付保險金，相關理賠申請文件請參考保單條款所列。
＊請注意：依旅平險條款所示，要保人或被保險人向本公司申請訂立保險契約時已發生之事故乃屬於「特別不保事項」。故保戶若在航空公司已宣布班機取消或延誤才向本公司投保旅行不便險，則不在理賠範圍。
(3)以「旅程更改險」為例，保戶若於海外旅行期間（已出國）因「搭乘之公共交通工具業者之受僱人」罷工，因該罷工事件導致須進行旅程更改而所增加的交通或住宿費用，本公司依保單條款約定負理賠之責。惟機場安檢人員並非「搭乘之公共交通工具業者之受僱人」故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，不符合本承保範圍。

(1) For "Trip Cancellation Insurance", if a strike by employees of the scheduled public transportation carrier occurs between seven days before the planned overseas trip and before departure (not yet abroad), causing the scheduled flight to be cancelled or delayed by 24 hours, requiring full trip cancellation, insurance will be paid according to policy terms. However, airport security personnel are not employees of the transportation carrier, so if a trip is cancelled due to airport security personnel strike, it is not within the coverage.
(2) For "Flight Delay Insurance", if a strike causes the scheduled flight to be delayed or cancelled (regardless of whether abroad), and the insured still takes the "original" or "alternative" flight with a delay exceeding four hours, insurance will be paid according to policy terms. Refer to the policy for claim documents. *Note: According to travel insurance terms, incidents already occurring when applying for the contract are "special exclusions". If a policyholder purchases travel inconvenience insurance after an airline has announced flight cancellation or delay, it is not within the claim scope.
(3) For "Trip Modification Insurance", if a strike by employees of the public transportation carrier during overseas travel leads to trip modifications and additional transportation or accommodation costs, the company will compensate according to policy terms. However, airport security personnel are not transportation carrier employees, so trip cancellation due to their strike is not covered.

以保險年齡計算，若距離生日超過6個月，需多加1歲。

Insurance age is calculated based on actual age, with an additional year added if more than 6 months have passed since the last birthday.

汽車車體損失險及第三人責任保險之保險費因採用「從人」因素，即依被保險人之年齡、性別區分係數、過去之承保紀錄、賠款紀錄來計算保費，因此如有賠款紀錄者，將依賠款次數增加保費，反之如果無理賠紀錄者，可獲得無肇事減費的優惠。

Auto physical damage and third-party liability insurance premiums are calculated using "human factors," including the insured's age, gender coefficient, insurance history, and claims record. Premium increases with claim frequency, while no-claim records qualify for premium discounts.