常見問題
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Q233 投保汽車保險時，保費可以無賠款減費嗎？ | Can auto insurance premiums be reduced for no claims?
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.
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Q234 職業變更要告知嗎?如果不告知會有什麼影響? | Must occupational changes be reported? What are the consequences of non-disclosure?
職業有變更請通知明台並填寫契變書進行變更，如未主動告知影響危險之估計，本公司有權依保險法相關規定解除契約。
Please notify Mingtai of any occupational changes and complete a contract modification form. If changes affecting risk assessment are not reported, the company has the right to terminate the contract according to insurance law.
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Q235 我的「eco保單」真的安全嗎？ | Is my eco policy really secure?
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.
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Q236 車子準備要賣出，但我投保的保險尚未到期，應該要如何處理？ | I'm selling my car but my insurance hasn't expired yet. How should I handle this?
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. -
Q237 如何申請臨時住宿費用20萬元?
若房屋達到全倒或政府判定須拆除，經確認後，被保險人就向明台申請20萬元的臨時住宿費用理賠以應急。
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Q238 因為班機延誤造成原本預約回國要搭的接機車輛無法接機，可否申請理賠?
信用卡提供給持卡人的保險福利是因班機延誤或取消，持卡人緊急且必要的費用支出補償；且並不包含回國後返家的交通費用。
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Q239 無人機保險承保地區除臺灣、澎湖、金門、馬祖外，是否包括國外? | Does drone insurance coverage area include foreign countries in addition to Taiwan, Penghu, Kinmen, and Matsu?
否。
No.
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Q240 未成年人如何申請手機保險以及如何填寫相關表單? | How can minors apply for mobile phone insurance and fill out related forms?
未成年消費者需與父母同去門市，於要保險人簽章處及未成年人其法定代理人簽章處上簽名(未成年消費者+父母其中一人)。或請於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
Minors must go to the store with their parents, signing at the policyholder signature section and the legal representative's signature section (minor + one parent). Alternatively, call 0800-528-528 during office hours (8:30-17:30) for assistance, where a specialist will assist you.
