常見問題
-
Q73 選擇eco保單還會再收到紙本保單嗎？ | Will I still receive a paper policy if I choose an eco policy?
不會，eco保單就是取代紙本保單，因此不會再收到紙本保單。
No, eco policies replace paper policies, so you will not receive a paper version.
-
Q74 任意汽車第三人責任險可附加的保險有哪些? | What additional insurance options are available with Voluntary Automobile Third Party Liability Insurance?
可同時附加駕駛人傷害、乘客傷害責任、超額責任、慰問金費用、刑事訴訟律師費用補償、道路救援費用等附加條款；若您有相關保險需求，可連繫本公司業務人員依您的需求進行保險規劃。
Additional clauses available include driver injury, passenger injury liability, excess liability, consolation money expenses, criminal litigation attorney fee compensation, and roadside assistance expenses. If you have related insurance needs, please contact our sales representative for insurance planning based on your requirements.
-
Q75 【公共意外責任保險】提出理賠申請時應準備哪些文件?或需向第三人取得哪些文件?
一、理賠申請書。
二、損失清單及費用支出單據。
三、意外事故之相關證明文件。
四、個人資料同意書。
-
Q76 【公共意外責任保險】訪客搭乘大樓電梯時，發生電梯墜落意外事故，造成人員受傷，是否可由大樓投保之公共意外責任保險負擔理賠責任?
需檢視所投保之公共意外責任保險是否已有附加承保電梯責任，如該大樓所投保之公共意外責任保險有附加承保電梯責任，意外事故責任又歸屬於被保險人，始屬於公共意外責任保險負擔之理賠責任。
-
Q77 基本地震保險的理賠標準是什麼?
基本地震保險的理賠標準有二：
1.政府機關通知拆除、命令拆除或逕予拆除。
2.經合格評估人員、建築師公會或結構、土木、大地技師公會評定不堪居住必須拆除或修復費用為重置成本的50%以上。 -
Q78 投保手機保險，當手機送修時，保險公司是否會提供維修期間的替代手機?
明台產險無提供備用機服務，有此需求者在送修時可詢問原購機門市人員。
-
Q79 動物醫院有針灸治療，是否算在醫療費用內? | Is acupuncture treatment at veterinary hospitals covered under medical expenses?
如獸醫院為政府登記合格營業之獸醫院，因非除外項目之疾病接受治療，可申請門診費用補償保險金，但治療行為須為因疾病或意外傷害造成，預防性治療不在承保範圍內。
Treatment at government-registered veterinary hospitals is eligible for outpatient expense compensation if treating non-excluded conditions. Treatment must be for illness or accidental injury; preventive treatments are not covered.
-
Q80 航空公司已宣布罷工，再進行投保可以理賠嗎? | Can I claim insurance if I purchase coverage after an airline has announced a strike?
依旅平險條款所示，要保人或被保險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。
保戶若在已宣布或已發生罷工事件後才向本公司投保旅行不便險，關於因罷工所導致的旅行不便事故（如班機取消、旅程取消等）本公司不負賠償責任。According to travel insurance terms, incidents that have occurred before the policyholder applies for insurance coverage are specially excluded items.
If travel inconvenience insurance is purchased after a strike has been announced or occurred, the company is not liable for travel inconvenience claims (such as flight cancellations or trip cancellations) caused by the strike.
