常見問題

不定值保險指保單契約上不列明保險標的物的實際價值，僅記載保險標的物之價值至承保危險事故發生後，再依實際損失狀況估計賠償金額之保險契約。

不定值保險的損失會以實際損失金額為理賠計算基礎，如果保險契約特別約定以重置成本計算損失時，則改依損失標的物的重置成本作為損失估算基礎。

因為被保險人是房東，房客無法申請臨時住宿費用。

1.強制險附加駕駛人傷害險是指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，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』係指被保險人或經被保險人許可使用或管理被保險汽車之人，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。

2.第三人責任保險附加駕駛人傷害險是指被保險人於本附加險有效期間內駕駛被保險汽車發生交通意外事故，致被保險人死亡或失能時，本公司依照本附加險之約定負給付保險金的責任。 本附加險所稱之『被保險人』，指駕駛被保險汽車之人，並以記載於被保險人名冊上，且經其簽名同意者為限。因系統設定現行由被保險人為代表人，若有需要增加其他車輛使用人，請致電0800-069-889 ，協助您名冊相關事宜。

1. Compulsory insurance with driver injury coverage applies when the insured vehicle is involved in a single-vehicle accident (e.g., self-fall/collision) causing driver's death, disability, or injury. Company compensates beneficiary according to additional clause. "Driver" refers to insured or authorized user of insured vehicle; must first have compulsory auto liability insurance.
2. Third-party liability insurance with driver injury coverage applies when insured drives insured vehicle during valid period and suffers death or disability from traffic accident. "Insured" refers to vehicle driver listed and signed on insured roster. Current system sets insured as representative; to add other vehicle users, call 0800-069-889 for roster assistance.

發生火災後，保戶要在知悉後５日內通知保險公司。火險理賠所需文件下載。

1.信用卡提供給卡友的旅行平安險需要使用信用卡消費機票或團費才能獲得。理賠文件要求有授權號碼的簽帳單影本，原意是要確認理賠申請人確實使用信用卡消費。因此，只要能佐證持卡人確實使用信用卡支付全額支票或80%團費的相關文件，即可替代有授權號碼的簽帳單影本。

2.關於網路刷卡，屆時可提供網路刷卡的授權憑證及卡片影本，或是信用卡帳單影本等可以佐證使用信用卡支付的資料作為理賠申請文件。

1. 所謂「拆除清理費用」，是指當承保工程發生保險契約所約定之事故，造成承保標的的毀損或滅失，需要進行修理或置換時，為拆除廢棄毀損之殘餘物或未受損之承保工程所發生之費用。
2.「拆除清理費用」 屬於額外的費用，通常不會包含在工程契約價額中，必需向保險公司另外約定加保。

1. "Removal and Clearance Expenses" refers to costs incurred for demolishing and removing damaged debris or undamaged insured works when repairs or replacements are needed following an insured event specified in the insurance contract that causes damage or loss to the insured project.
2. "Removal and Clearance Expenses" is an additional cost typically not included in the contract value and must be separately agreed upon with the insurance company for coverage.

您可選擇有包含「寵物喪葬費用保險金」的方案投保。

You can choose a plan that includes "pet funeral expense coverage".

1.住宅火災保險保額及地震基本保險保額依「臺灣地區住宅類建築造價參考表」計算保額，但地震基本保額保額上限為新台幣150萬。

2.住宅火災保險保額可由保戶自行決定投保金額，但仍需依「臺灣地區住宅類建築造價參考表」計算保額，不得少於新台幣10萬元；地震基本保險保額須依算出來之保額辦理投保，上限為新台幣150萬。

3.詳情內容可參考：「臺灣地區住宅建築造價參考表」

1. Both amounts are calculated using the "Taiwan Residential Building Cost Reference Table," with earthquake coverage capped at NTD 1.5 million.
2. Fire insurance amount can be decided by policyholder but must follow the reference table and cannot be less than NTD 100,000; earthquake insurance must match the calculated amount, up to NTD 1.5 million.

3. For detailed information, please refer to: "Taiwan Regional Residential Construction Cost Reference Table"