健康傷害保險

常見問題

商品

• 意外傷害險保單是否有包括「骨折未住院」的保障，要如何確認? | Does the accident insurance policy include coverage for "fracture without hospitalization" and how can I verify this?

  骨折未住院為傷害險住院日額的附加險，故傷害險投保住院日額即含骨折未住院。

   

  Fracture without hospitalization is a rider to the daily hospital benefit in accident insurance; therefore, accident insurance with daily hospital benefit includes fracture without hospitalization coverage.

• 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.

• 要怎麼變更身故受益人?需要提供什麼文件? | How can I change the death beneficiary? What documents are required?

  請填寫契約變更申請書後送交明台進行變更，或請致電明台由服務人員協助您辦理。

   

  Please complete and submit the contract modification application form to Mingtai, or contact Mingtai's service personnel for assistance.

理賠

• 傷害保險之請求時效(申請保險金的期限)? | What is the statute of limitations for accident insurance claims?

  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.

• 如果就醫後只有一份診斷書，可以用影本向保險公司申請理賠嗎? | Can I submit a copy of the medical certificate for insurance claims if I only have one original?

  不可，理賠所需文件之診斷書必須為正本，如有投保其他家保險公司，請向醫療院所申請多份正本診斷書，或依醫院規定核發之副本診斷書，診斷書開立費用可在實支實付型商品的保險額度內給付。

   

  No, original medical certificates are required for claims. If you have multiple insurance policies, request multiple original certificates from the medical institution. Certificate issuance fees can be covered under actual expense reimbursement policies.

• 因意外傷害或骨折至國術館、接骨所治療，可否申請理賠? | Can I claim insurance for treatment at traditional bone-setting clinics or martial arts halls for accidental injuries or fractures?

  國術館或接骨所非法定的醫療院所，傳統接骨師父也未領有醫師執照，不符契約規定之合法醫療院所及醫師之要求，因此於國術館、接骨所之治療費用，將無法獲得保險公司理賠。

   

  Traditional bone-setting clinics or martial arts halls are not legally recognized medical institutions, and traditional bone-setters do not hold medical licenses. Treatment costs from these facilities cannot be claimed as they do not meet the contract requirements for legal medical institutions and licensed physicians.

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