常見問題

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.

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