常見問題
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Q41 業主(定作人)於工地監工時因意外事故而受傷，僱主意外責任保險是否可以理賠?
定作人並非受僱人，因此無法獲得理賠。但如於承保時已將定作人列為共同要保人，則受其僱用者於工地因意外事故發生傷害時，則屬於承保範圍，將可獲得理賠。
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Q42 發生地震，要怎麼申請理賠?
地震保險的商品類別不同，理賠項目也不盡相同
以常見的基本地震保險而言，主要承保建築物的結構安全，在房屋結構受損程度達到保單約定「全損」時即獲得建築物理賠金及臨時住宿費20萬元。 -
Q43 信用卡保險是否需要額外申報程序才能獲得承保？ | Is an additional declaration procedure required to obtain credit card insurance coverage?
無須額外申報程序，只要使用承保信用卡支付全額機票或80%以上團費即可。
No additional declaration procedure is required; coverage is provided when the covered credit card is used to pay for the full airfare or more than 80% of the tour expenses.
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Q44 發生地震，該怎麼通報出險?
申請地震相關理賠服務，請致電本公司客服專線0800-078-888、0800-528-528。
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Q45 返回中華民國境內時發現行李延誤，是不是能獲得賠償？ | Can I receive compensation if my luggage is delayed upon returning to Taiwan?
行李延誤費用承保範圍是被保險人於保險期間進行海外旅行，故被保險人於返回中華民國境內時之行李延誤，依條款約定，無法獲得賠償。
Baggage delay coverage only applies during overseas travel periods, therefore delays occurring upon return to Taiwan are not eligible for compensation according to policy terms.
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Q46 什麼是微型保險？ | What is Micro-insurance?
微型保險為低保額、低保費且保障內容簡單之保險，提供基本保障以加強推行弱勢者利用保險機制進行風險分散之規劃。
Micro-insurance is insurance with low coverage amount, low premium, and simple protection content, providing basic coverage to promote risk distribution mechanisms among disadvantaged groups.
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Q47 房客可以通報出險，申請理賠嗎?
基本地震保險是以房屋所有權人為被保險人，所以房東(房屋所有權人)才能執行保單權利申請理賠，房客無法通報出險申請理賠。
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Q48 使用信用卡刷團費，是否即享有大眾運輸工具旅行平安險？遊覽車涵蓋在內嗎？ | Does paying for tour fees with a credit card automatically provide public transportation travel insurance? Are tour buses included?
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.
