常見問題
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Q65 有銀行貸款，因地址整編需要變更標的物地址，要如何辦理? | How do I change the insured property address due to address reorganization for a mortgaged property?
請先連結本公司服務網址，參考應備文件一覽表；如需辦理變更作業，可逕行下載批改申請書並檢附應備文件後，至本公司各服務據點辦理或洽原服務人員辦理。
Please visit our service website for required documents list. Download the amendment application form and submit required documents at our service locations or through your service representative.
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Q66 什麼是「eco保單」？ | What is an "eco policy"?
「eco保單」就是「電子保單」。 明台產險為了降低紙張的使用量，希望與保戶共同推行無紙化作業並為保護地球環境資源盡一點心力，「eco」是「ecological」的縮寫，表示生態環保；「e」同時代表電子「electronic」的「e」，所以我們將「電子保單」稱為「eco保單」。 明台產險會依據「電子簽章法」，經由臺灣網路認證股份有限公司認證、加密後，以E-mail、手機簡訊等方式提供電子化的TPK及PDF檔保單給要保人，取代傳統紙本保單。
"Eco policy" is an electronic policy.
MSIG aims to reduce paper usage and promote paperless operations with policyholders to protect environmental resources. "Eco" stands for ecological, and "e" represents electronic.
MSIG provides TPK and PDF format policies via email and SMS, certified and encrypted by Taiwan-CA Inc., in accordance with the Electronic Signature Act, replacing traditional paper policies. -
Q67 任意汽車第三人責任險-體傷賠付範圍包含哪些項目? | What items are covered under the Voluntary Third-Party Liability Insurance for bodily injury?
被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人傷害或死亡，依法應負賠償責任而受賠償請求時，對於超過強制汽車責任保險給付標準以外的部分，在保險金額內保險公司對被保險人負賠償之責。
When the insured is legally liable for compensation due to injury or death of a third party caused by an accident involving the ownership, use, or management of the insured vehicle, the insurance company shall be liable for compensation to the insured within the insurance amount for the portion exceeding the payment standards of Compulsory Automobile Liability Insurance.
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Q68 所謂水險，是指哪些險種? | What's the subject-matter insureds in Marine insurance?
水險為一般對海上保險之總稱。
海上保險依保險標的物的不同，可區分為貨物運輸保險、內陸運送保險、商業動產流動綜合保險、船體險、漁船船舶保險、航空險以及貨物運送人責任險等險種。
Generally, Marine insurance could be categorized as Cargo Import/Export, Inland Transit, Commercial Floater, Marine Hull, Fishing Vessel Hull, Aviation, Forwarder's Liability and so forth.
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Q69 任意汽車第三人責任險附加駕駛人傷害險的承保範圍?是否可與強制汽車責任保險駕駛人傷害附加條款同時投保? | What is the coverage scope of Driver Injury Insurance Additional to Voluntary Automobile Third Party Liability Insurance? Can it be purchased simultaneously with the Driver Injury Additional Clause of Compulsory Automobile Liability Insurance?
1.被保險人於本附加險有效期間內駕駛被保險汽車發生交通意外事故，致被保險人死亡或失能時，本公司依照本附加險之約定負給付保險金的責任。
本附加險所稱之『被保險人』，指駕駛被保險汽車之人，並以記載於被保險人名冊上，且經其簽名同意者為限。
2.任意汽車第三人責任險附加駕駛人傷害險及強制汽車責任保險駕駛人傷害附加條款，兩者可同時承保。
1. If the insured dies or becomes disabled due to a traffic accident while driving the insured vehicle during the valid period of this additional insurance, our company shall be liable for insurance payment according to this additional insurance. The "insured" refers to the person driving the insured vehicle, limited to those listed on the insured name list and who have signed their consent.
2. Both the Driver Injury Insurance Additional to Voluntary Third Party Liability Insurance and the Driver Injury Additional Clause of Compulsory Automobile Liability Insurance can be insured simultaneously.
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Q70 毛小孩產生侵權問題，對方若要來申請理賠要提供什麼證明文件? | What documentation is required for third-party claims in pet liability cases?
一、理賠申請書。
二、和解書、調解書、法院確定判決書、仲裁判斷書等損害賠償責任確定之證明文件。
三、被保險人的身分證明。
四、必要時本公司得要求提供事故證明文件或憲警單位處理證明文件。
1. Claim application form.
2. Settlement agreement, mediation document, final court judgment, arbitration award, or other liability confirmation documents.
3. Insured's identification.
4. Incident reports or police documentation if required by the company. -
Q71 欲更改手機保險單的被保險人姓名 | How to change the insured person's name on mobile phone insurance policy?
若要變更手機保險基本資料，請於上班時間(8:30-17:30)來電0800-528-528，將有專員為您服務。
To modify mobile phone insurance basic information, please call 0800-528-528 during business hours (8:30-17:30), and a specialist will assist you.
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Q72 健康傷害保險一次可投保幾年?可以買長期保單嗎? | How many years can health and accident insurance be purchased for at once? Are long-term policies available?
現有商品皆為一年期保單，目前並無長年期保單。
Current products are all one-year term policies; long-term policies are not currently available.
