商品問題

1.只要確認以承保信用卡支付全額機票或八成以上團費，此團費涵蓋所搭乘大眾運輸工具，於搭乘期間屬信用卡保險承保範圍。

2.遊覽車以及屬於觀光用途之交通工具非信用卡保險所認定之大眾交通運輸工具。

1. Coverage is provided when the covered credit card is used to pay for full airfare or more than 80% of the tour fees, which include public transportation during the journey.
2. Tour buses and tourist-purpose transportation vehicles are not considered public transportation under credit card insurance coverage.

可上明台官網下載申請表填寫申請，或致電明台服務人員協助您申請。

You can download the application form from MSIG Mingtai's official website or call our service staff for assistance.

信用卡提供給卡友公共運輸工具期間旅行平安保險，只要是保單定義的公共運輸工具：當地政府登記許可，行駛於固定航、路線之商用客機或水、陸上公共交通工具，但非做為觀光或特殊性質之使用者皆符合承保範圍。

Travel insurance provided by credit card covers public transportation defined in the policy as: commercially operated aircraft or water/land public transportation registered and permitted by local government, operating on fixed routes, excluding tourist or special-purpose usage.

1.被保險汽車發生單一汽車交通事故(如：自摔/自撞)，致駕駛人本人死亡、失能或受有傷害時，且因未牽涉其他依強制汽車責任保險法所定義之汽車，致無法依強制汽車責任保險法申請賠償或補償者，本公司依照本附加條款之約定，對受益人負賠償之責。
*前項所稱『駕駛人』係指經本公司承保之要保人及經該要保人同意使用或管理被保險汽車之人。
*第一項所稱「牽涉」係指事故汽車於某一時間，參與、涉入、牽扯或牽連在汽車交通事故中，而與駕駛人之傷害或死亡有因果關係者。
2.需先行投保本公司強制汽車責任保險始可附加此附加條款。

1. When the insured vehicle is involved in a single traffic accident (e.g., self-accident/collision) causing death, disability, or injury to the driver, and no other vehicles as defined by the Compulsory Automobile Liability Insurance Law are involved, making compensation claims under the law impossible, our company shall be liable for compensation to the beneficiary according to this additional clause.
"Driver" refers to the policyholder insured by our company and any person authorized by the policyholder to use or manage the insured vehicle.
"Involvement" refers to the accident vehicle's participation, involvement, or connection in a traffic accident that has a causal relationship with the driver's injury or death.
2. This additional clause can only be added after purchasing our company's Compulsory Automobile Liability Insurance.

汽車：汽車強制險會依車籍資料及過去年度之肇事記錄來核算保費，並不會因為轉換保險公司而增加額外費用；且如過去年度肇事紀錄良好，則轉換保險公司後，過去的良好紀錄也會延續，仍可繼續獲得無肇事的減費優惠。

機車：機車強制險未施行無肇事減費，故轉換保險公司，不會對保費有影響(不會因為機車的保費相對較低，實施肇事加減費之成本大於效益，因此，機車不實施依有無肇事理賠記錄而加減費措施)。

Auto: Compulsory auto insurance premiums are calculated based on vehicle registration data and past accident records, with no additional costs for switching insurers. Good accident records carry over when switching companies, maintaining no-claim discounts.
Motorcycle: Motorcycle compulsory insurance does not implement no-claim discounts, so switching companies will not affect premiums (due to relatively low motorcycle premiums, the cost of implementing claim-based adjustments exceeds the benefits).

有別於傳統汽車第三人責任險就超過強制汽車責任保險給付標準以上之部分身故/傷害，或財損個別約定保額且各有限額，單一保額型保險，於事故發生時，可彈性運用於超過強制汽車責任保險給付標準以上之部分第三人之身故/傷害或財損理賠，為總額約定不個別限制。

Unlike traditional third party liability insurance which has separate limits for death/injury exceeding compulsory insurance payment standards and property damage, single sum insured type insurance offers flexible coverage for third party death/injury or property damage claims exceeding compulsory insurance payment standards, with a total agreed amount without individual limits.

本保險契約的保險期間，以本保險契約保險單上所載日時為準。(不會自動延長時效)

如被保險人以乘客身份搭乘領有載客執照之交通工具，該交通工具之預訂抵達時刻係在本保險契約的保險期間內，因故延遲抵達而非被保險人所能控制者，本保險單自動延長有效期限至被保險人終止乘客身份時為止，但延長之期限不得超過24小時。

（白話解釋：若保單到期的時間被保險人還在飛機上，保期可自動延長至飛機降落，但最長不超過24小時)

The insurance period is based on the dates specified in the policy (no automatic extension).
However, if the insured is traveling as a passenger on a licensed carrier scheduled to arrive within the policy period, and the delay is beyond the insured's control, the policy will automatically extend until the insured's passenger status ends, but not exceeding 24 hours. (In simple terms: If the policy expires while the insured is still on the plane, coverage extends until landing, but not beyond 24 hours)

任意第三人責任險：保障車外超過強制汽車責任保險給付標準以上之部分第三人傷害或死亡以及第三人財物損失。

強制險：保障車上乘客及車外第三人傷害或死亡。

Voluntary Third Party Liability Insurance: Covers third party injury, death, and property damage exceeding compulsory insurance payment standards.
Compulsory Insurance: Covers passengers in the vehicle and third party injury or death outside the vehicle.