常見問題

明年承保狀況需視新一年度合約而定，建議可洽詢您的信用卡公司，明年是否仍提供此項福利。

Next year's coverage depends on the new annual contract. Please consult your credit card company about continued benefits for next year.

被保險人於海外旅行期間內，因本次旅程使用之旅行文件被強盜、搶奪、竊盜或遺失時且重新申辦文件該文件時，本公司依約定之保險金額給付保險金。

【貼心提醒】

※被保險人應在二十四小時內，向當地警政單位報案並取得報案證明。

When the travel documents used by the insured for the covered trip are stolen by robbery, snatching, or theft, or are lost, during an overseas trip, and the insured must reapply for replacement documents, the Company will pay the insured benefit in accordance with the insured amount specified in the policy.

[Helpful Reminder] ※ The insured must report the incident to the local police authority within twenty-four hours and obtain an official police report.

汽車任意保險包括：

1. 汽車車體損失險（甲式、乙式、丙式、限額車對車碰撞）。

2. 汽車竊盜損失險：承保汽車失竊所造成的損失。

3. 汽車第三人責任保險（人身傷害與財物損失）。

4. 乘客責任保險（自用車適用）。

5. 旅客及僱主責任保險（營業車適用）。

6. 其他特約保險。

Voluntary auto insurance includes:
1. Auto physical damage insurance (Type A, B, C, limited vehicle-to-vehicle collision).
2. Auto theft loss insurance: covers losses due to vehicle theft.
3. Third-party liability insurance (bodily injury and property damage).
4. Passenger liability insurance (for private vehicles).
5. Passenger and employer liability insurance (for commercial vehicles).
6. Other special agreement insurance.

所謂「自負額」指每一次意外事故發生時，被保險人必須自行承擔的損失金額，保險公司僅對超過自負額的部份負賠償責任。
假設當您投保車體損失險甲式或乙式並選擇自負額357為例，當被保險汽車發生承保範圍之損失時，被保險人須依出險次數而增加自行負擔之支出，第一次出險，被保險人負擔3,000元，第二次負擔5,000元，第三次以後（含第三次）被保險人負擔7,000元，保險公司僅對超過自負額的部份負賠償責任。
「自負額」的目的，是為了減少小額賠款的理賠，降低理賠成本，同時也減輕要保人的保費負擔，並可以提醒駕駛人小心駕駛、注意行車安全，避免意外事故，因為事故發生後，自己也要需要負擔部分的損失。
要保人或車主投保時，可以選擇較高之自負額，保險費會相對降低。

A "deductible" is the amount the insured must pay for each accident before insurance coverage begins. For example, with Type A or B physical damage insurance using deductible plan 357, the insured pays NT$3,000 for the first claim, NT$5,000 for the second, and NT$7,000 for the third and subsequent claims.
The purpose of deductibles is to reduce small claims processing costs, lower premium burdens, and encourage careful driving since drivers share accident costs.
Policyholders can choose higher deductibles for lower premiums.

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.

以保險年齡計算，若距離生日超過6個月，需多加1歲。

Insurance age is calculated based on actual age, with an additional year added if more than 6 months have passed since the last birthday.