常見問題

如您的保單為網路投保，需申請延長保期、變更保期（保期平移）、退保或其他契約變更，請先將以下資料 Email 至 ec@msig-mingtai.com.tw：
(1) 保單號碼 ：
(2) 被保險人姓名 ：
(3) 被保險人身分證字號：
(4) 聯絡電話 ：
(5) 申請項目（延長保期／變更保期／退保／其他） ：
(6) 變更內容及原因（如有相關證明文件，請一併提供） ：

本公司收到資料後，將依保單條款及承保規定審核是否可受理；如符合辦理條件，將製作「旅遊保險契約變更申請書」供您簽署，並通知應補繳或退還之保費（如有），完成相關文件及保費確認後即可辦理。

提醒：如需延長或變更保期，請於原保險期間屆滿前提出申請，以維護您的保險權益。

網路投保服務信箱：ec@msig-mingtai.com.tw
網路投保客服專線：0800-069-889
服務時間：週一至週五 08:30～17:30（國定例假日除外）

If your policy was purchased online and you wish to apply for an extension of the coverage period, a modification of the coverage period(i.e., a shift of the policy period), policy cancellation, or any other policy endorsement, please email the following information to ec@msig-mingtai.com.tw:

(1) Policy Number:
(2) Insured's Name:
(3) Insured's National ID Number：
(4) Contact Number:
(5) Type of Request (Extension / Modification / Cancellation / Other):
(6) Details of the Change and Reason (please attach any relevant supporting documents):

Upon receipt of your request, we will review it in accordance with the policy terms and underwriting guidelines to determine whether it can be processed. If your request meets the applicable conditions, we will prepare a "Travel Insurance Policy Endorsement Application Form" for your signature and notify you of any additional premium due or refund payable. The change will be processed upon completion of all required documentation and confirmation of premium settlement.

Important Reminder: If you wish to extend or modify your coverage period, please submit your application before the expiration of the original policy period to protect your insurance interests.

Online Insurance Service Email: ec@msig-mingtai.com.tw

Online Insurance Customer Service Hotline: 0800-069-889

Service Hours: Monday to Friday, 08:30–17:30 (excluding public holidays)

以下僅適用於【網路投保保單】。如為業務員、保險經紀人／代理人或其他通路投保，請洽原投保服務人員協助辦理。
如您的保單為網路投保，需申請延長保期、變更保期（保期平移）、退保或其他契約變更，請先將以下資料 Email 至 ec@msig-mingtai.com.tw：
(1)保單號碼 ：
(2)被保險人姓名 ：
(3)聯絡電話 ：
(4)申請項目（延長保期／變更保期／退保／其他） ：
(5)變更內容及原因（如有相關證明文件，請一併提供） ：

本公司收到資料後，將依保單條款及承保規定審核是否可受理；如符合辦理條件，將製作「旅遊保險契約變更申請書」供您簽署，並通知應補繳或退還之保費（如有），完成相關文件及保費確認後即可辦理。
提醒：如需延長或變更保期，請於原保險期間屆滿前提出申請，以維護您的保險權益。

網路投保服務信箱：ec@msig-mingtai.com.tw
網路投保客服專線：0800-069-889
服務時間：週一至週五 08:30～17:30（國定例假日除外）

The following applies only to policies purchased via online enrollment. If your policy was obtained through an agent, broker, or other distribution channel, please contact your original sales representative for assistance.

If your policy was purchased online and you wish to apply for an extension of the coverage period, a modification of the coverage period (i.e., a shift of the policy period), policy cancellation, or any other policy endorsement, please email the following information to ec@msig-mingtai.com.tw:

(1) Policy Number:
(2) Insured's Name:
(3) Contact Number:
(4) Type of Request (Extension / Modification / Cancellation / Other):
(5) Details of the Change and Reason (please attach any relevant supporting documents):

Upon receipt of your request, we will review it in accordance with the policy terms and underwriting guidelines to determine whether it can be processed. If your request meets the applicable conditions, we will prepare a "Travel Insurance Policy Endorsement Application Form" for your signature and notify you of any additional premium due or refund payable. The change will be processed upon completion of all required documentation and confirmation of premium settlement.

Important Reminder: If you wish to extend or modify your coverage period, please submit your application before the expiration of the original policy period to protect your insurance interests.

Online Insurance Service Email: ec@msig-mingtai.com.tw

Online Insurance Customer Service Hotline: 0800-069-889

Service Hours: Monday to Friday, 08:30–17:30 (excluding public holidays)

【第三人責任保險乘客傷害責任附加條款】
是指被保險人於本附加險有效期間內對被保險人因使用或管理被保險汽車發生意外事故，致乘坐或上下被保險汽車之乘客受有傷害或死亡時，依法應負賠償責任而受賠償請求時，本公司僅對於超過強制汽車責任保險給付標準以上之部分對被保險人負賠償之責。本附加條款所稱之「乘客」，係指除駕駛人外，乘坐或上下被保險汽車之人，包含被保險人之配偶、家長、家屬及受僱人。

【Third-Party Liability Insurance Passenger Injury Liability Endorsement】
During the effective period of this endorsement, if the insured causes an accidental bodily injury or death to a passenger boarding, riding in, or alighting from the insured vehicle due to the use or management of the insured vehicle, and the insured is legally liable for such damages and a claim is made accordingly, the Company shall be liable to the insured only for the portion of the damages exceeding the benefit standards of the Compulsory Automobile Liability Insurance. The term "passenger" as used in this endorsement refers to any person, other than the driver, who boards, rides in, or alights from the insured vehicle, including the insured's spouse, parents, family members, and employees.

可參考強制汽車責任保險宣導短片「聰明篇」（國語版、台語版、客語版）及宣導圖檔（查詢篇）。

Refer to the Compulsory Automobile Liability Insurance promotional videos "Smart Edition" (Mandarin, Taiwanese, Hakka) and promotional graphics (Inquiry Edition).

擔心與高價車或超跑發生擦撞事故，面臨高額的賠償金，可以選擇投保第三人責任保險附加「超額責任保險」，彌補強制險及一般第三人責任險的不足。
超額責任保險屬於附加險的一種，無法單獨購買，一定要搭配「第三人責任險」才能購買。
第三人附加超額責任險可分為甲式、乙式和丙式三種：
甲式--包含第三人傷害、財損及乘客傷害責任的保障；累計賠償金額以保單年度之保險金額為限。
乙式--包含第三人傷害及財損的保障；累計賠償金額以保單年度之保險金額為限。
丙式--包含第三人傷害及財損的保障；每一意外事故最高賠償金額以保險金額為限。

Supplemental coverage to address high compensation claims from accidents involving luxury vehicles or supercars, filling gaps in Compulsory and standard Third-party Liability Insurance.
This endorsement requires a base Third-party Liability policy.
Type A: Covers third-party bodily injury, property damage, and passenger liability; aggregate limit per policy year.
Type B: Covers third-party bodily injury and property damage; aggregate limit per policy year.
Type C: Covers third-party bodily injury and property damage; limit per accident.

甲式車體險的保障範圍包含：
一、碰撞、傾覆。
二、火災。
三、閃電、雷擊。
四、爆炸。
五、拋擲物或墜落物。
六、第三者之非善意行為。
七、不屬本保險契約特別載明為不保事項之任何其他原因。
更多資訊可參考【明台產險汽車車體損失險】

Scope of Type A coverage includes:
1. Collision and overturning.
2. Fire.
3. Lightning.
4. Explosion.
5. Projectiles or falling objects.
6. Malicious acts by third parties.
7. Any other cause not specifically excluded in the contract.
Refer to [MSIG Mingtai Automobile Physical Damage Insurance] for details.

乙式車體險的保障範圍包含：
一、碰撞、傾覆。
二、火災。
三、閃電、雷擊。
四、爆炸。
五、拋擲物或墜落物。
更多資訊可參考【明台產險汽車車體損失險】

Scope of Type B coverage includes:
1. Collision and overturning.
2. Fire.
3. Lightning.
4. Explosion.
5. Projectiles or falling objects.
Refer to [MSIG Mingtai Automobile Physical Damage Insurance] for details.

丙式車體險又名車碰車車體險，保障與車輛發生碰撞、擦撞所致之毀損滅失。
更多資訊可參考【明台產險汽車車體損失險】

Also known as "Vehicle-to-Vehicle" coverage, it protects against damage resulting from collisions or scrapes with other vehicles.
Refer to [MSIG Mingtai Automobile Physical Damage Insurance] for details.