常見問題

常見問題

  • Q97 住宅火險及地震基本保險的承保類別有哪些? | What are the coverage categories for residential fire and basic earthquake insurance?

    一、住宅火災承保類別：

    1.住宅火災保險。

    2.住宅第三人責任基本保險。

    3.住宅玻璃保險。

    4.住宅颱風及洪水災害補償保險。

    5.住宅地震基本保險。

    二、地震基本保險承保範圍：

    1.地震震動。

    2.地震引起之火災、爆炸。

    3.地震引起之山崩、地層下陷、滑動、開裂、決口。

    4.地震引起之海嘯、海潮高漲、洪水。

     

    I. Residential Fire Insurance Categories:
    1. Residential Fire Insurance
    2. Basic Third-Party Liability Insurance
    3. Residential Glass Insurance
    4. Typhoon and Flood Damage Compensation Insurance
    5. Basic Earthquake Insurance
    II. Basic Earthquake Insurance Coverage:
    1. Earthquake tremors
    2. Fire and explosion caused by earthquake
    3. Landslides, subsidence, sliding, cracking, and breaching caused by earthquake
    4. Tsunami, tidal surge, and floods caused by earthquake

  • Q98 SIM卡卡槽損壞是否在手機保險的理賠範圍內？

    關於保單條款內容，可至承保手機保險的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。

     

  • Q99 寵物醫療補償保險金所指的50%、70%與80%的項目為何? | What do the 50%, 70%, and 80% compensation rates refer to in pet medical insurance?

    依照實際醫療費用收據乘以補償比例即為理賠金額，最高理賠金額以保單所載理賠金額為限。

     

    The claim amount is calculated by multiplying actual medical expense receipts by the compensation rate, subject to policy limits.

  • Q100 以信用卡刷飛機票後，是否享全程旅行平安保險？ | After purchasing airline tickets with a credit card, is full trip travel insurance coverage provided?

    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。

     

    Benefits vary by credit card issuer and card type. Please check your card issuer's website for specific insurance coverage details.

  • Q101 因意外傷害或骨折至國術館、接骨所治療，可否申請理賠? | Can I claim insurance for treatment at traditional bone-setting clinics or martial arts halls for accidental injuries or fractures?

    國術館或接骨所非法定的醫療院所，傳統接骨師父也未領有醫師執照，不符契約規定之合法醫療院所及醫師之要求，因此於國術館、接骨所之治療費用，將無法獲得保險公司理賠。

     

    Traditional bone-setting clinics or martial arts halls are not legally recognized medical institutions, and traditional bone-setters do not hold medical licenses. Treatment costs from these facilities cannot be claimed as they do not meet the contract requirements for legal medical institutions and licensed physicians.

  • Q102 使用抽獎、贈送或累積里程兌換之機票搭乘之班次延誤，是否能獲得保險理賠?

    抽獎、贈送或以累積里程兌換之免費機票，因信用卡持卡人並未使用承保信用卡支付機票費用，不符合保單條款之規定，因此搭乘之班機如有延誤、取消，將無法獲得信用卡保險之理賠。

     

  • Q103 住宅第三人責任基本保險承保範圍? | What is the coverage scope of residential third-party liability basic insurance?

    所承保之保險標的物因火災、閃電雷擊、爆炸或意外事故所致之煙燻，致第三人遭受體傷、死亡或財產損害時，責任在於被保險人則可請求負賠償責任。

     

    Covers liability for third-party bodily injury, death, or property damage caused by fire, lightning strike, explosion, or smoke damage from accidental incidents involving the insured property, when the insured is legally liable.

  • Q104 如果我方與國外的貿易條件為CIF進口，則我方需要購買保險嗎？ | Import @ CIF, shall I pay for insurance?

    CIF的貿易條件通常包括運費與保險費，一般狀況下，此貿易條件下賣方需要負擔保險成本。

     

    Incoterms CIF includes Costs, Insurance, and Freight, which represents the charges paid by a seller to cover the costs, insurance, and freight of a buyer's order.