常見問題

常見問題

  • Q1 被保險人三親等內親屬車禍身故，三日後的旅遊行程無法進行，可否賠付「旅程取消保險」？ | If a third-degree relative of the insured dies in a car accident and the travel itinerary scheduled three days later cannot proceed, is a claim payable under the Trip Cancellation Insurance?

    可以。
    被保險人三親等內親屬身故發生於預定海外旅程開始前二十日起至海外旅行期間開始時止，保險公司負理賠之責。

     

    Yes.
    The insurer is liable for a claim when the death of a third-degree relative of the insured occurs within the period commencing 20 days prior to the scheduled start of the overseas trip through the commencement of the overseas travel period.

  • Q2 被保險人在旅行途中遇到了事故，致下一個行程必須取消，可否賠付「旅程取消保險」？ | If the insured encounters an accident during travel that necessitates the cancellation of the next leg of the trip, is a claim payable under the Trip Cancellation Insurance?

    被保險人已實際進行海外旅行，故非屬旅程取消保險承保範圍。
    「旅程取消保險」須發生於預定海外旅程開始前二十日起至海外旅行期間開始時止，致必須取消預定之全部旅程，保險公司始負理賠之責。
    由於被保險人已實際進行海外旅行，請參照「旅程更改保險」承保範圍。

     

    Since the insured has already commenced the overseas trip, this falls outside the scope of the Trip Cancellation Insurance.
    The Trip Cancellation Insurance requires the covered event to occur within the period commencing 20 days prior to the scheduled start of the overseas trip through the commencement of the overseas travel period, thereby necessitating cancellation of the entire planned itinerary.
    Since the insured has already commenced the overseas trip, please refer to the coverage scope of the Trip Alteration Insurance.

  • Q3 罷工是「旅程取消保險」的承保事故嗎？ | Is a strike a covered event under the Trip Cancellation Insurance?

    必須是被保險人預定搭乘之公共交通工具業者之受僱人或機場之地勤、運務人員罷工，致所預定搭乘之班次取消或延誤達二十四小時(含)以上時，才是旅程取消保險的承保事故。
    惟，要保人向保險公司申請訂立保險契約時，公共交通工具業者之受僱人或機場之地勤、運務人員已取得罷工權、已預告罷工期間或已宣布罷工則為不保事項。

     

    A strike qualifies as a covered event under the Trip Cancellation Insurance only when employees of the common carrier the insured is scheduled to use, or ground handling and traffic control personnel at the airport, go on strike, resulting in the cancellation or delay of the scheduled flight by 24 hours or more.
    However, If, at the time the policyholder applies for the insurance policy, such employees have already obtained the right to strike, have pre-announced a strike period, or have declared a strike, such event constitutes an exclusion.

  • Q4 郵輪是公共交通工具嗎？ | Is a cruise ship classified as a public transportation ?

    不是。郵輪係以遊憩為主，非以大眾運輸為目的。
    「公共交通工具」係指領有營業執照及經當地政府登記許可之航（路）線，具有固定場站、固定班次(含加開班次)，以大眾運輸為目的，提供不特定旅客運送服務之水上、陸上或空中交通工具。但不包含郵輪。

     

    No. A cruise ship is primarily recreational in nature and does not serve the purpose of mass public transportation.
    A 'common carrier' refers to a water, land, or air transportation vehicle that holds a valid operating license, operates on routes registered and approved by the local government, has fixed terminals and scheduled services (including additional services), and provides transportation to the general public for the purpose of mass transit — but expressly excludes cruise ships.

  • Q5 班機延誤須達幾個小時才符合承保範圍？ | How many hours of flight delay are required to qualify for coverage?

    四個小時。
    被保險人於保險期間內，以乘客身分預定搭乘之定期航班發生延誤，致被保險人實際出發時間較預定出發時間延誤四小時以上者，保險公司依保險契約約定之保險金額給付保險金。

     

    Four hours.
    During the policy period, if a scheduled flight on which the insured holds a passenger reservation is delayed, causing the insured's actual departure time to be four or more hours later than the scheduled departure time, the insurer shall pay the benefit in accordance with the sum insured specified in the policy.

  • Q6 班機延誤四個小時如何計算？ | How is a four-hour flight delay calculated?

    班機延誤期間之計算，係自預定搭乘班機之預定出發之時起，至實際出發之時或第一班替代班機實際出發之時止，若為同一事故時班機延誤、班機取消、班機失接之期間得合併計算。

     

    The flight delay period is calculated from the scheduled departure time of the booked flight to the actual departure time or the actual departure time of the first substitute flight. When arising from the same incident, the delay periods attributable to flight delay, flight cancellation, and missed connection may be aggregated.

  • Q7 「班機延誤保險」是否有給付次數的限制？ | Is there a limit on the number of benefit payments under the Flight Delay Insurance?

    保險期間內以給付二次為限。

     

    Payment is limited to two occurrences during the policy period.

  • Q8 「班機延誤保險」是否有同一事故的限制？ | Is there a same-incident restriction under the Flight Delay Insurance?

    下列情形視為同一事故，以給付一次為限：
    一、去程於同一機場所發生之班機延誤或班機取消。
    二、回程於同一機場所發生之班機延誤或班機取消。
    三、因班機延誤或班機取消所致轉接班機失接。

     

    The following circumstances are considered the same incident and are subject to a single benefit payment:
    (1) flight delays or cancellations occurring at the same airport during the outbound journey.
    (2) flight delays or cancellations occurring at the same airport during the return journey.
    (3) a missed connection resulting from a flight delay or cancellation.