常見問題

一、被保險人於海外旅行期間內，因承保事故致被保險人必須更改其預定旅程因而所增加之交通或住宿費用，保險公司依保險契約之約定對被保險人負理賠之責。
二、所增加之交通或住宿費用，以實際支出金額扣除可由旅館業者、交通工具業者、旅行社或其他提供旅行、住宿業者處獲得之退款或非貨幣形式償還之等值金額計算，且最高給付金額以原預定之交通或每日住宿費用各增加20%，若無原預繳費用或退款相關證明，則以每日交通及住宿費用合計新臺幣2,000元為限。
三、而所增加之交通或住宿費用僅限於被保險人本人之費用，如費用單據中包含他人之費用且無法拆分者，相關費用應依人數比例計算，保險期間內賠付金額之加總以保險契約所載保險金額為限。

(1) During the overseas travel period, if the insured must alter the planned itinerary due to a covered event, the insurer is liable for additional transportation and accommodation expenses incurred as a result, pursuant to the policy terms.
(2) Additional transportation and accommodation expenses are calculated based on actual expenditures minus any refunds or equivalent non-monetary compensation obtainable from hotels, transportation providers, travel agencies, or other travel and accommodation service providers. The maximum payable amount shall not exceed 20% above the originally planned transportation cost or daily accommodation cost; if no proof of original prepaid expenses or refunds is available, the combined daily transportation and accommodation expenses are capped at NTD 2,000.
(3) Additional transportation and accommodation expenses are limited to those incurred by the insured alone. If expense receipts include amounts for other persons and cannot be itemized separately, the relevant expenses shall be apportioned on a per-capita basis. The aggregate benefit payments during the policy period are subject to the sum insured stated in the policy.

可以。
所增加之交通或住宿費用，以實際支出金額扣除可由旅館業者、交通工具業者、旅行社或其他提供旅行、住宿業者處獲得之退款或非貨幣形式償還之等值金額計算，且最高給付金額以原預定之交通或每日住宿費用各增加20%，若無原預繳費用或退款相關證明，則以每日交通及住宿費用合計新臺幣2,000元為限。
所增加的費用僅限於被保險人本人之費用，如費用單據中包含他人之費用且無法拆分者，相關費用應依人數比例計算。

Yes.
Additional transportation and accommodation expenses are calculated based on actual expenditures minus any refunds or equivalent non-monetary compensation obtainable from hotels, transportation providers, travel agencies, or other travel and accommodation service providers. The maximum payable amount shall not exceed 20% above the originally planned transportation cost or daily accommodation cost; if no proof of original prepaid expenses or refunds is available, the combined daily transportation and accommodation expenses are capped at NTD 2,000.
Additional expenses are limited to those incurred by the insured alone; if expense receipts include amounts for other persons and cannot be itemized separately, the relevant expenses shall be apportioned on a per-capita basis.

可賠付住宿費用；伙食費非旅程更改保險的承保範圍無法賠付。
所增加之交通或住宿費用，以實際支出金額扣除可由旅館業者、交通工具業者、旅行社或其他提供旅行、住宿業者處獲得之退款或非貨幣形式償還之等值金額計算，且最高給付金額以原預定之交通或每日住宿費用各增加20%，若無原預繳費用或退款相關證明，則以每日交通及住宿費用合計新臺幣2,000元為限。
所增加的費用僅限於被保險人本人之費用，如費用單據中包含他人之費用且無法拆分者，相關費用應依人數比例計算。

Accommodation expenses are payable; meal expenses fall outside the scope of the Trip Alteration Insurance and are not covered.
Additional transportation and accommodation expenses are calculated based on actual expenditures minus any refunds or equivalent non-monetary compensation obtainable from hotels, transportation providers, travel agencies, or other travel and accommodation service providers. The maximum payable amount shall not exceed 20% above the originally planned transportation cost or daily accommodation cost; if no proof of original prepaid expenses or refunds is available, the combined daily transportation and accommodation expenses are capped at NTD 2,000.
Additional expenses are limited to those incurred by the insured alone; if expense receipts include amounts for other persons and cannot be itemized separately, the relevant expenses shall be apportioned on a per-capita basis.

很抱歉無法賠付。
旅程更改的承保範圍係於海外旅行期間內必須更改其預定旅程因而所增加之交通或住宿費用；海外旅行期間係指自被保險人完成出境手續離開中華民國出境證照查驗櫃台之時起。
中華民國境內之住宿及交通費用為不保事項。

No benefit is payable.
The Trip Alteration Insurance covers only additional transportation and accommodation expenses incurred due to a mandatory itinerary change during the overseas travel period. The overseas travel period commences when the insured completes departure procedures and passes through the immigration checkpoint leaving the Republic of China.
Transportation and accommodation expenses incurred within the Republic of China are specifically excluded.

很抱歉無法申請行李延誤保險。
轉機地並非旅遊目的地。被保險人隨行託運並取得託運行李領取單之個人行李因公共交通工具業者之處理失當，致其在抵達目的地六小時後仍未領得時，保險公司依保險契約約定之保險金額給付保險金。

No claim is payable under the Baggage Delay Insurance.
A transit point does not constitute the travel destination. The Baggage Delay Insurance applies when the insured's checked baggage — for which a baggage claim tag has been issued — is mishandled by a common carrier and remains undelivered six or more hours after the insured's arrival at the destination, the insurer shall pay the benefit in accordance with the sum insured specified in the policy.

可以。
被保險人於海外旅行期間內，其隨行託運並取得託運行李領取單之個人行李因公共交通工具業者之處理失當，致其在抵達目的地六小時後仍未領得時，保險公司依保險契約約定之保險金額給付保險金。
保險期間內以給付二次為限。

Yes.
During the overseas travel period, if the insured's checked baggage — for which a baggage claim tag has been issued — is mishandled by a common carrier and remains undelivered six or more hours after the insured's arrival at the destination, the insurer shall pay the benefit in accordance with the sum insured specified in the policy.
Payment is limited to two occurrences during the policy period.

很抱歉無法賠付。
被保險人於返回中華民國境內機場之行李延誤為特別不保事項。

No benefit is payable.
Baggage delay occurring upon the insured's return to an airport within the Republic of China is a specific exclusion under the policy.

可以賠付旅程取消保險金。
三親等內親屬須於特定期間內死亡或病危，保險公司始負理賠之責。
本參考條款於115年3月31日前之承保範圍為預定海外旅程開始前七日至海外旅行期間開始前。
自115年4月1日起已放寬「特定期間內」係指自預定海外旅程開始前二十日起至海外旅行期間開始時止。如保險事故早於預定海外旅程開始前二十日或遲於海外旅行期間開始後發生者，保險公司不負理賠之責。

The Trip Cancellation Insurance benefit is payable.
A third-degree relative must die or be in critical condition within a specified period for the insurer's liability to apply.
Under the reference policy terms effective before March 31, 2026 (R.O.C. Year 115), the covered period was from seven days prior to the scheduled start of the overseas trip through the day before the overseas travel period commences.
Effective April 1, 2026, the covered period has been extended to commence 20 days prior to the scheduled start of the overseas trip through the commencement of the overseas travel period. If the insured event occurs before the 20-day window or after the overseas travel period has commenced, the insurer bears no liability.