常見問題

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20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或機場之地勤、運務人員罷工罷工，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。機場安檢人員可視為地勤相關人員，故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，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或機場之地勤、運務人員罷工」，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。機場安檢人員視為機場之地勤相關人員，故如果旅程中遇到航空公司安檢人員罷工導致旅程取消，符合本承保範圍。

(1) Under the Trip Cancellation Benefit: if, during the period beginning 20 days prior to the scheduled overseas trip departure date and ending at the commencement of the overseas trip (before departure), the employees of a scheduled public transportation carrier or the ground-handling or operations personnel at an airport go on strike, causing the scheduled flight to be cancelled or delayed by twenty-four hours or more such that the insured must cancel the entire planned itinerary, the Company will pay the benefit within the scope agreed in the policy. Airport security personnel may be regarded as ground-handling-related personnel; therefore, if a trip is cancelled due to a strike by airport security personnel, the claim falls within the scope of this coverage.

(2) Under the Flight Delay Benefit: if a policyholder's scheduled flight is delayed or cancelled due to a strike (regardless of whether the policyholder has already departed), and the policyholder travels on the originally scheduled flight or switches to an alternative flight, resulting in a total delay of four hours or more, the Company will pay the benefit in accordance with the policy terms; please refer to the policy terms for the required claim documents.
*Please note: Per the Travel Personal Accident Insurance policy terms, any loss event that has already occurred at the time the policyholder applies to enter into an insurance contract with the Company constitutes a 'Special Exclusion.' Therefore, if a policyholder purchases Travel Inconvenience Insurance after the airline has already announced a flight cancellation or delay, the claim will fall outside the scope of coverage.

(3) Under the Trip Alteration Benefit: if, during the overseas trip period (after departure), the insured must alter the itinerary due to a strike by employees of a public transportation carrier or ground-handling or operations personnel at an airport, and additional transportation or accommodation expenses are thereby incurred, the Company shall be liable for such expenses in accordance with the policy terms. Airport security personnel are regarded as ground-handling-related personnel at the airport; therefore, if a trip must be altered due to a strike by airport security personnel, the claim falls within the scope of this coverage.

本公司採「保險年齡」計算，若投保日當日距離生日大於6個月以上時，需以您實歲多加1歲。

The Company calculates age using the "insurance age" method. If, on the date of application, more than 6 months have passed since your last birthday, you must add 1 year to your actual age.

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.

要！如果您的職業或職務有所變更，請儘速通知明台並辦理契約變更。因不同職業的危險程度不同，職業變更可能影響保險費及承保條件。

若職業變更後危險程度增加，卻未依約通知明台而發生保險事故，保險金可能依條款約定按比例折算給付；若變更後職業屬於拒保範圍，也可能影響契約效力。因此，職業或職務變更時，請主動通知明台，以確保您的保險權益。

Yes! If your occupation or job duties change, please notify Mingtai as soon as possible and process a policy endorsement. Because different occupations carry different levels of risk, an occupation change may affect your premium and underwriting terms.

If the risk level increases after the change and you fail to notify Mingtai as required, and an insured event occurs, the benefit may be paid on a pro rata basis in accordance with the policy provisions; if the new occupation falls within the declined (uninsurable) category, the validity of the contract may also be affected. Therefore, when your occupation or job duties change, please proactively notify Mingtai to protect your insurance rights.

您所選擇的eco保單很安全。明台產險提供的每份eco保單都經過第三方公正認證機構臺灣網路認證股份有限公司提供的ISAV電子保單第三方認證服務，eco保單內將包括明台產險及臺灣網路認證股份有限公司的雙重數位簽章，確保eco保單內容不被竄改。

Your eco policy is secure. Every MSIG eco policy is certified through Taiwan-CA Inc.'s ISAV third-party certification service and includes dual digital signatures from MSIG and Taiwan-CA Inc., ensuring policy content cannot be tampered with.

車子將要賣出，可以選擇以下兩種方式處理：

1. 將保險過戶給新車主。

2. 申請退保。

When selling your car, you have two options:
1. Transfer the insurance to the new owner.
2. Cancel the insurance policy.