常見問題

請將故障手機送回原購機門市，並告知門市人員有投保明台手機保險即可。

依據保險契約之約定，一般均為自得請求之日起兩年內，如果經過兩年仍未申請保險理賠，則請求權將消滅。

According to insurance contract terms, claims must typically be filed within two years from the date of eligibility; the right to claim expires if not filed within this period.

汽車：汽車強制險會依車籍資料及過去年度之肇事記錄來核算保費，並不會因為轉換保險公司而增加額外費用；且如過去年度肇事紀錄良好，則轉換保險公司後，過去的良好紀錄也會延續，仍可繼續獲得無肇事的減費優惠。

機車：機車強制險未施行無肇事減費，故轉換保險公司，不會對保費有影響(不會因為機車的保費相對較低，實施肇事加減費之成本大於效益，因此，機車不實施依有無肇事理賠記錄而加減費措施)。

Auto: Compulsory auto insurance premiums are calculated based on vehicle registration data and past accident records, with no additional costs for switching insurers. Good accident records carry over when switching companies, maintaining no-claim discounts.
Motorcycle: Motorcycle compulsory insurance does not implement no-claim discounts, so switching companies will not affect premiums (due to relatively low motorcycle premiums, the cost of implementing claim-based adjustments exceeds the benefits).

被保險人跟要保人(支付保費的人)不同時請選擇傳真要保，依序步驟資料填寫完成投保後。

投保完成需回傳要保書簽名方式如下列，資料若有收到檢核完成後會再以簡訊通知。

1. 利用手機拍照，點選上傳要保書連結。

(投保完成畫面或要保完成通知信內可點選)。

2. 完簽要保書至傳真02-2772-9958。

3. 完簽要保書Mail 至 網路投保服務信箱：ec@msig-mingtai.com.tw。

When the insured and policyholder (premium payer) are different, please choose fax application and complete the application steps sequentially.
After completion, return the signed insurance application form through:
1. Take a photo with mobile phone and click the upload link
(available in completion screen or notification email)
2. Fax the signed form to 02-2772-9958
3. Email the signed form to ec@msig-mingtai.com.tw

有別於傳統汽車第三人責任險就超過強制汽車責任保險給付標準以上之部分身故/傷害，或財損個別約定保額且各有限額，單一保額型保險，於事故發生時，可彈性運用於超過強制汽車責任保險給付標準以上之部分第三人之身故/傷害或財損理賠，為總額約定不個別限制。

Unlike traditional third party liability insurance which has separate limits for death/injury exceeding compulsory insurance payment standards and property damage, single sum insured type insurance offers flexible coverage for third party death/injury or property damage claims exceeding compulsory insurance payment standards, with a total agreed amount without individual limits.

本保險契約的保險期間，以本保險契約保險單上所載日時為準。(不會自動延長時效)

如被保險人以乘客身份搭乘領有載客執照之交通工具，該交通工具之預訂抵達時刻係在本保險契約的保險期間內，因故延遲抵達而非被保險人所能控制者，本保險單自動延長有效期限至被保險人終止乘客身份時為止，但延長之期限不得超過24小時。

（白話解釋：若保單到期的時間被保險人還在飛機上，保期可自動延長至飛機降落，但最長不超過24小時)

The insurance period is based on the dates specified in the policy (no automatic extension).
However, if the insured is traveling as a passenger on a licensed carrier scheduled to arrive within the policy period, and the delay is beyond the insured's control, the policy will automatically extend until the insured's passenger status ends, but not exceeding 24 hours. (In simple terms: If the policy expires while the insured is still on the plane, coverage extends until landing, but not beyond 24 hours)

任意第三人責任險：保障車外超過強制汽車責任保險給付標準以上之部分第三人傷害或死亡以及第三人財物損失。

強制險：保障車上乘客及車外第三人傷害或死亡。

Voluntary Third Party Liability Insurance: Covers third party injury, death, and property damage exceeding compulsory insurance payment standards.
Compulsory Insurance: Covers passengers in the vehicle and third party injury or death outside the vehicle.

團費的8成不區分訂金及尾款；只要使用承保信用卡刷滿總團費的8成，即可享有信用卡提供給持卡人的福利。

The 80% of the tour fee is not distinguished between deposit and final payment; as long as the insured credit card is used to pay 80% of the total tour fee, cardholders are eligible for the credit card benefits.