常見問題
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Q129 汽(機)車強制險之保險範圍為何？ | What is the coverage scope of compulsory auto/motorcycle insurance?
強制險不論汽機車駕駛人或被保險人有無過失，保險公司均會負擔賠償責任(因強制險採無過失責任賠償基礎)。
強制險對受害人(包括肇事汽車以外之第三人及車上乘客，但不包括肇事汽車之駕駛人）的賠償範圍如下：
1. 傷害醫療給付：每人最高20萬元。
2. 失能給付：依失能程度分為15等級，每人最高200萬元。
3. 死亡給付：每人定額給付200萬元。
Compulsory insurance covers compensation regardless of driver or insured fault (no-fault liability basis).
Coverage for victims (including third parties and passengers, excluding the at-fault driver) includes:
1. Medical expenses: up to NT$200,000 per person.
2. Disability payment: 15 levels based on disability degree, up to NT$2 million per person.
3. Death benefit: fixed NT$2 million per person. -
Q130 發生車輛失竊或零配件失竊時應如何處理? | What should be done in case of vehicle or parts theft?
1. 立即向失竊地點之轄區派出所報案。
2. 報案後務必取得警方出具之失竊證明單。
3. 請攜帶失竊證明、行駕照影本、印章等基本理賠申請資料，於5日內，向保險公司提出理賠申請。
4. 依保險公司之說明補齊其它資料，如出廠證明、稅單等。
1. Immediately report to the police station with jurisdiction over the theft location.
2. Obtain a theft certificate issued by the police after filing the report.
3. Submit a claim to the insurance company within 5 days with basic claim documents including theft certificate, copies of driver's license, personal seal, etc.
4. Complete additional documentation as requested by the insurance company, such as manufacturer's certificate, tax receipts, etc. -
Q131 住宅玻璃保險承保範圍? | What is the coverage scope of residential glass insurance?
對於承保之住宅建築物因突發意外事故導致固定裝置於四周外牆之玻璃窗戶、玻璃帷幕或專有部分或約定專用部分對外出入之玻璃門破裂之損失，負賠償責任。因前項損失所須拆除、重新裝置或為減輕損失所需合理之費用，亦負賠償責任。
Covers damage to fixed glass windows, curtain walls, or glass doors in common or designated areas of the insured residential building due to sudden accidents. Also covers reasonable costs for removal, reinstallation, or loss mitigation related to covered damages.
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Q132 如果有eco保單操作上相關問題(例如：沒收到eco保單或E-mail填寫錯誤)，該如何處理呢？ | How to handle eco policy operational issues (e.g., not receiving the policy or incorrect email)?
為確保您的權益，請致電您的業務人員或撥打諮詢電話，協助您完成後續保單補寄作業及E-mail修改。
線上投保諮詢電話：0800-069-889。
非線上投保諮詢電話：0800-528-528。
To protect your rights, please contact your agent or call our service hotline for assistance with policy reissuance and email corrections.
Online insurance consultation: 0800-069-889
Non-online insurance consultation: 0800-528-528 -
Q133 網站會員登入認證鎖定處理方式? | How to handle website member login authentication lock?
為確保您的個資權益，如輸入3次錯誤驗證碼，系統將會鎖定會員帳號，系統將於5分鐘後自動解鎖。
~貼心提醒您~
1. 會員資料手機及電子信箱不可與他人共用，敬請見諒。
2. 驗證簡訊請確認輸入最新驗證碼，如輸入舊驗證碼仍可能鎖定帳戶。
To protect your personal information, if you enter incorrect verification codes 3 times, the system will lock your member account and automatically unlock after 5 minutes.
Friendly reminder:
1. Member's mobile number and email cannot be shared with others.
2. Please ensure to enter the latest verification code from SMS, using old codes may still result in account lockout. -
Q134 請問信用卡班機延誤相關申請流程?
有關相關申請流程可參考信用卡官網相關資訊。或是您也可以於上班時間致電0800-088-800，將有理賠專員為您服務。
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Q135 詢問以信用卡消費日本JR鐵路是否屬承保範圍？如刷卡兩人票價是否兩人皆有承保？ | Does credit card insurance's coverage apply to purchases on Japan's JR Railway? If two tickets are bought, are both passengers covered?
1.本公司與信用卡合作之旅平險承保範圍為公共運輸交通工具，因此JR鐵路是屬於該範疇，搭乘期間意外體傷以及死亡是為承保之範圍。
2.承保對象除持卡人以外需視身分而定，本保險承保持卡人本人及配偶及未滿25歲之未婚子女，如為朋友或者父母兄弟姐妹等親屬則不在此範疇內。
1. Our travel insurance provided by credit card covers public transportation, including JR Railway. Coverage includes accidental injury and death during travel.
2. Coverage extends to the cardholder, spouse, and unmarried children under 25 years old. Friends, parents, siblings, and other relatives are not covered. -
Q136 若是機車或汽車強制險保險已過期，逾期投保可將生效日回溯嗎？ | If compulsory auto/motorcycle insurance has expired, can the effective date be backdated for late renewal?
若是您的機車或汽車強制保險續保已經過期，逾期投保時，僅能以投保當日做為生效日，不可回溯。
If your compulsory auto/motorcycle insurance renewal has expired, the new policy can only be effective from the current date of application, backdating is not allowed.
