常見問題

明台產險近年獲奬紀錄，請詳【亮點績效 - 獎項與榮耀】。

For MSIG Mingtai's recent sustainability awards, please refer to [Performance Highlights - Awards and Honors].

被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人財物受有損害，依法應負賠償責任而受賠償請求時，在保險金額內保險公司對被保險人負賠償之責。

When the insured is legally liable for compensation due to property damage to a third party caused by an accident involving the ownership, use, or management of the insured vehicle, the insurance company shall be liable for compensation to the insured within the insurance amount.

應投保強制汽車責任保險(以下稱強制車險)之汽車種類如下：

1.公路法第2條第10款規定之汽車。但國軍編制內軍用車輛管理及處罰辦法第2條規定之軍用車輛於作戰期間，不在此限。

2.依據道路交通安全規則第83條規定向公路監理機關申請核發臨時通行證之動力機械。

3.汽車牌照報廢、繳還、繳存、繳銷、吊銷或註銷後仍行駛之汽車。

4.強制汽車責任保險法第5條之1施行後第1項及第2項所定之微型電動二輪車。

Vehicles requiring compulsory insurance include:
1. Vehicles defined in Article 2-10 of the Highway Act (excluding military vehicles during combat operations).
2. Power machinery requiring temporary permits under Article 83 of Road Traffic Safety Rules.
3. Vehicles still in operation after license plate retirement, return, deposit, cancellation, revocation, or withdrawal.
4. Micro electric two-wheelers as defined in Article 5-1 of the Compulsory Automobile Liability Insurance Act.

因現行實施收費出單制度，繳費應於生效日之前完成，若超過繳費期限即無法以原繳費單進行繳費，請連繫您的業務人員協助重新報價並提供新的繳費單；於收到新的繳費單後，請於約定生效之繳費期限內完成繳費動作，保險始可生效。

Under the current billing system, payment must be completed before the effective date. If the payment deadline is exceeded, the original payment slip cannot be used. Please contact your sales representative for a new quote and payment slip. After receiving the new payment slip, complete the payment within the agreed effective period for the insurance to take effect.

行李箱本體依保單條款約定，屬特別不保事項(物品)，無法理賠。

The suitcase itself is specifically excluded from coverage according to policy terms and cannot be claimed.

海外突發疾病醫療保險金，僅賠付旅遊期間突發疾病需於海外醫療費用，不包含返國後續醫療。

Overseas emergency medical insurance only covers medical expenses incurred abroad during the travel period, not subsequent treatment after returning home.

現金、珠寶、信用卡、金融卡或其他作為簽帳或提款之塑膠卡為除外不保，詳見條款特別不保事項。

Cash, jewelry, credit cards, ATM cards, or other payment/withdrawal cards are excluded from coverage, see policy exclusions for details

需要，本公司視賠案需求仍須查證同業投保情形。

Yes, the company needs to verify insurance coverage with other insurers based on claim requirements.