常見問題

如狗狗雙方打架造成對方狗狗受傷，符合造成第三人財物損害定義，若對方求償即可申請理賠。

If fighting between dogs results in injury to another dog, it meets the definition of third-party property damage and can be claimed if compensation is sought.

信用卡旅遊不便保險適用於國內線班機，因此搭乘國內線班機時發生的隨行交運行李之行李延誤/遺失或班機延誤可以獲得實支實付之理賠，但不包括自本國居住地出發之行程。相關理賠內容可參考前項「如何申請信用卡保險班機延誤費用之給付」以及「如何申請信用卡保險行李延誤/遺失費用之給付」。

可上明台官網下載申請表填寫申請，或致電明台服務人員協助您申請。

You can download the application form from MSIG Mingtai's official website or call our service staff for assistance.

相關文件齊全、理賠金額確認、理賠手續完備之狀況下，保險公司應於十五天內完成賠付。

信用卡提供給卡友公共運輸工具期間旅行平安保險，只要是保單定義的公共運輸工具：當地政府登記許可，行駛於固定航、路線之商用客機或水、陸上公共交通工具，但非做為觀光或特殊性質之使用者皆符合承保範圍。

Travel insurance provided by credit card covers public transportation defined in the policy as: commercially operated aircraft or water/land public transportation registered and permitted by local government, operating on fixed routes, excluding tourist or special-purpose usage.

稱共同海損者，謂在船舶航程期間，為求共同危險中全體財產之安全所為故意及合理處分，而直接造成之犧牲及發生之費用。

1.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，且因未牽涉其他依強制汽車責任保險法所定義之汽車，致無法依強制汽車責任保險法申請賠償或補償者，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』係指經本公司承保之要保人及經該要保人同意使用或管理被保險汽車之人。
*第一項所稱「牽涉」係指事故汽車於某一時間，參與、涉入、牽扯或牽連在汽車交通事故中，而與駕駛人之傷害或死亡有因果關係者。
2.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。

1. When the insured vehicle is involved in a single traffic accident (e.g., self-accident/collision) causing death, disability, or injury to the driver, and no other vehicles as defined by the Compulsory Automobile Liability Insurance Law are involved, making compensation claims under the law impossible, our company shall be liable for compensation to the beneficiary according to this additional clause.
"Driver" refers to the policyholder insured by our company and any person authorized by the policyholder to use or manage the insured vehicle.
"Involvement" refers to the accident vehicle's participation, involvement, or connection in a traffic accident that has a causal relationship with the driver's injury or death.
2. This additional clause can only be added after purchasing our company's Compulsory Automobile Liability Insurance.

1.留意自身安全。

2.尋求相關單位的援助。(例如:各駐外使館或代表處、警察單位等）。

3.有關醫療費用部份，不論意外或疾病，請務必申請診斷書及醫療收據正本(若當地民情許可，建議多申請備份)。

4.有關旅程變更(更改)部份，請妥善保留所有消費(支出)單據正本。

5.隨身物品(文件)遭遇竊盜、強盜、搶奪或毀損滅失、遺失時，被保險人應在24小時內，向當地警政單位、住宿之旅館或所搭乘之公共交通工具業者報案並取得報案證明及損失清單。

1. Ensure personal safety.
2. Seek assistance from relevant authorities (e.g., embassies, representative offices, police).
3. For medical expenses, whether accident or illness, obtain original diagnosis certificates and medical receipts (request multiple copies if locally acceptable).
4. For itinerary changes, keep all original expense receipts.
5. For personal belongings/documents theft, robbery, damage, or loss, report to local police, accommodation, or public transport operator within 24 hours and obtain incident report and loss inventory.