常見問題
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Q297 網路投保一定要同一個人嗎?怎麼身份驗證? | Must online insurance be for the same person? How is identity verified?
網路投保的被保人及要保人需為同一人，投保時會以簡訊及電子信箱提供驗證碼，系統畫面輸入驗證碼進行身分驗證。
如果是被保人跟要保人為不同人，請選擇傳真要保。
For online insurance, the insured and policyholder must be the same person. Identity verification is done through SMS and email verification codes.
If the insured and policyholder are different persons, please choose fax application. -
Q298 要投保意外傷害保險，但是職業類別怎麼判斷?如何分類1-4類? | How are occupational categories determined for accident insurance? How are classes 1-4 classified?
您可致電明台由核保人員為您確認您的職業類別是屬於哪一類。
You can contact Mingtai's underwriting staff to confirm your occupational category classification.
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Q299 班機被取消後，另刷卡再購買回程機票，機票可以不理賠，但為什麼住宿費跟餐飲費也不賠?
1.信用卡提供給卡友的信用卡保險中有約定，若原購買的機票或團費遭取消，則保單不負理賠之責。
2.持卡人提供資料後，明台會向發卡銀行或信用卡公司查詢，如經確認前述消費已遭退費或取消，則明台無法啟動保單理賠。
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Q300 緊急救援服務要撥打哪支電話？服務項目有哪些? | What is the emergency assistance contact number and what services are included?
電話：886-2-6619-9210
服務項目可分成旅遊諮詢、醫療諮詢、醫療協助。
Phone: 886-2-6619-9210
Services include travel consultation, medical consultation, and medical assistance. -
Q301 何謂定值保險，發生損失時保險公司如何理賠?
藝術品或其他不能以市價估計的物品，如以約定保險標的物價值作為保險金額投保，即為定值保險。
若因承保之危險事故致保險標的物發生全損時，保險公司即依約定價值為其賠款金額。當發生部份損失時，則按約定之保險價值依比例賠償。
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Q302 投保營建機具保險應注意那些事項？ | What are the key considerations when purchasing Construction Equipment Insurance?
1.具有行照之車輛均屬汽車保險之承保範圍。
2.營建機具如需於風險性較高場所施工，如地面下或水面上，應於投保時告知保險公司。
3.營建機具之保險金額應為重置價值，非折舊後之價格。
4.營建機具於要保時應將資料詳細填寫清楚，包括：名稱、廠牌、製造年份、型式、引擎及製造號碼..等。
5.營建機具如為風險性較高之潛盾機，則需提供實際施工之起迄時間。
1. Vehicles with license plates fall under automobile insurance coverage.
2. If construction equipment needs to operate in high-risk areas like underground or over water, the insurance company must be informed at the time of application.
3. The insurance amount for construction equipment should be based on replacement value, not depreciated value.
4. Detailed information must be provided when applying, including: name, brand, manufacturing year, model, engine and manufacturing numbers, etc.
5. For high-risk equipment like shield machines, actual construction start and end dates must be provided. -
Q303 購買筆記型電腦是否也可承保手機保險？ | Can laptop computers be covered under mobile phone insurance?
目前筆記型電腦不在承保範圍內。詳細投保資訊請洽原購機門市或於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
Laptops are currently not included in the coverage. For detailed insurance information, please contact the original purchase store or call 0800-528-528 during business hours (8:30-17:30), and a specialist will assist you.
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Q304 是否可持強制汽車責任保險電子式保險證至代檢廠或監理站辦理驗車? | Can I use the electronic compulsory auto liability insurance certificate for vehicle inspection at inspection centers or motor vehicle offices?
