旅遊保險
常見問題
商品
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我需要旅平險的英文投保證明，要如何申請? | How do I request an English certificate of travel insurance?
可上明台官網下載申請表填寫申請，或致電明台服務人員協助您申請。
You can download the application form from MSIG Mingtai's official website or call our service staff for assistance.
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因故班機取消需滯留在當地1晚，旅平險會自動延長保險時效嗎?延長的時間內保障範圍一樣嗎? | If my flight is cancelled and I need to stay one more night, will my travel insurance automatically extend? Will the coverage remain the same during the extension?
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) -
國外旅行期間需延長保險時效，可以怎麼辦理? | How can I extend my travel insurance coverage while abroad?
可以延長，請至官網下載契變申請書送明台核保單位。
Yes, you can extend it. Please download the policy change application form from our website and submit it to MSIG Mingtai's underwriting department.
理賠
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航空公司已宣布罷工，再進行投保可以理賠嗎? | Can I claim insurance if I purchase coverage after an airline has announced a strike?
依旅平險條款所示，要保人或被保險人向本公司申請訂立保險契約時已發生之事故乃屬於特別不保事項。
保戶若在已宣布或已發生罷工事件後才向本公司投保旅行不便險，關於因罷工所導致的旅行不便事故（如班機取消、旅程取消等）本公司不負賠償責任。According to travel insurance terms, incidents that have occurred before the policyholder applies for insurance coverage are specially excluded items.
If travel inconvenience insurance is purchased after a strike has been announced or occurred, the company is not liable for travel inconvenience claims (such as flight cancellations or trip cancellations) caused by the strike. -
行李箱在航空公司運送過程中摔壞了，可以理賠嗎? | Can I claim compensation if my suitcase is damaged during airline transport?
行李箱本體依保單條款約定，屬特別不保事項(物品)，無法理賠。
The suitcase itself is specifically excluded from coverage according to policy terms and cannot be claimed.
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旅行途中因突發疾病於當地醫院就醫，因無適當治療藥物，醫生建議回國再就醫，請問後續回國就醫可以申請理賠嗎? | If I get sick during travel and local hospital lacks proper medication, can I claim for subsequent medical treatment back home if doctor recommends returning?
海外突發疾病醫療保險金，僅賠付旅遊期間突發疾病需於海外醫療費用，不包含返國後續醫療。
Overseas emergency medical insurance only covers medical expenses incurred abroad during the travel period, not subsequent treatment after returning home.
線上投保
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網路投保的旅平險投保可以多人一起投保嗎? | Can multiple people apply for travel insurance together online?
本公司已可提供旅遊險多人投保服務。立即投保。
The company now offers travel insurance multi-person registration service. Immediate registration.
