常見問題

可以，須檢附航空公司開立之事故與損失證明。
交由所搭乘之公共交通工具業者託運且領有託運行李領取單之隨行託運行李，因該公共交通工具業者處理失當所致之遺失，保險公司依保險契約約定之保險金額給付保險金。

Yes, subject to submission of the accident and loss certificate issued by the airline.
If checked baggage — entrusted to the common carrier and for which a baggage claim tag has been issued — is lost due to mishandling by the carrier, the insurer shall pay the benefit in accordance with the sum insured specified in the policy.

很抱歉無法賠付。
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。

No benefit is payable.
During the overseas travel period, the insurer is liable only for additional transportation and accommodation expenses incurred as a direct result of a covered event necessitating a change to the planned itinerary. Prepaid transportation and accommodation costs at the unvisited destination that cannot be recovered do not qualify for reimbursement.

很抱歉無法賠付。
行李箱、手提箱或類似容器為保險契約約定之特別不保物品。
保險公司賠償的是被保險人置於行李箱、手提箱或類似容器內之個人物品遭受到的損失。

No benefit is payable.
Suitcases, carry-on bags, and similar containers are specifically excluded items under the policy. The insurer's coverage applies to the loss of personal belongings placed inside such containers, not to the containers themselves.

旅行社包機（旅遊行程或機位銷售予不特定旅客）符合承保範圍內。反之，企業或私人包機、特定活動包機、政府或救援包機（專門為某特定用途及目的之包機）非屬承保範圍。

Travel agency charter flights — where the itinerary or seats are sold to the general public — fall within the scope of coverage. Conversely, corporate or private charters, special-event charters, and government or rescue charters (i.e., those arranged for a specific designated purpose) are excluded from coverage.

保險金額由各公司依商品開發程序，評估相關風險之可承受程度，風險胃納及風險控管措施等因素後，自行決定各項承保項目保險金額之額度，惟為符合損害填補原則，定額給付型商品保險金額之限額如下：
(一) 班機延誤保險：一次式給付商品為新臺幣六千元，累進式給付商品為新臺幣一萬二千元。
(二) 行李延誤保險：新臺幣六千元。
(三) 行李損失保險：新臺幣六千元。
(四) 旅行文件損失保險：新臺幣三千元。

Each insurer independently determines the sum insured for each coverage item based on its product development procedures, risk tolerance assessment, risk appetite, and risk management measures. However, to comply with the indemnity principle, the maximum sum insured for fixed-benefit products is as follows:
(1) Flight Delay Insurance: NTD 6,000 for single payment products; NTD 12,000 for progressive payment products.
(2) Baggage Delay Insurance: NTD 6,000.
(3) Baggage Loss Insurance: NTD 6,000.
(4) Travel Document Loss Insurance: NTD 3,000.

各公司核保時應評估被保險人之投保狀況，其投保目的及保險金額是否符合公司之商品適合度政策；另外，為確保被保險人所投保之定額給付型商品的保險金額符合損害填補原則，被保險人在同一保險期間內（即保險期間有重疊，但不限於保險期間完全一致）之有效保險契約以二張為限且不得由同一保險公司承保（即單一保險公司以承保一張為限）。

At the time of underwriting, each insurer shall assess the insured's coverage status and whether the insured's purpose and the sum insured align with the company's product suitability policy. Furthermore, to ensure compliance with the indemnity principle for fixed-benefit products, the number of valid policies held by the insured during the same policy period (i.e., overlapping policy periods, not necessarily identical policy periods) is limited to two, and no two such policies may be issued by the same insurer (i.e., each insurer may underwrite only one policy per insured).

4月1日前投保完成之有效契約，適用簽訂當時之保險單條款約定辦理。

A valid policy issued before April 1, 2026 (R.O.C. Year 115) shall be governed by the policy terms in effect at the time the contract was executed.

可以。
被保險人於海外旅行期間內，因竊盜、強盜與搶奪致其所擁有且置於行李箱、手提箱或類似容器內之個人物品遭受損失，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。
被保險人應在二十四小時內，向當地警政單位報案並取得報案證明。

Yes.
During the overseas travel period, if the insured's personal belongings — stored inside a suitcase, carry-on bag, or similar container — are lost due to theft, robbery, or forcible seizure, 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.
The insured must file a report with the local police authority within 24 hours and obtain an official police report.