保險Q&A
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- 旅程取消保險篇（Trip Cancellation Insurance）--
1、請問「旅程取消」保險，保單條款所列舉之承保事故有那幾項？
1、What are the covered events listed in the policy terms for "trip cancellation" insurance? - 1：(1)被保險人、配偶或三親等內親屬死亡或病危者。
(2)被保險人於中華民國境內擔任訴訟之證人。
(3)被保險人預定搭乘之公共交通工具業者之受僱人罷工，致所預定搭乘之班次取消或延誤達二十四小時，或其預定前往之地點發生暴動、民眾騷擾之情事。
(4)被保險人在中華民國境內住居所之建築物及置存於其內之動產，因火災、洪水、地震、颱風或其他天災毀損，且損失金額超過新臺幣二十五萬元者。
1：(1)Death or critical illness of the insured, spouse, or third-degree relative.
(2)The insured serves as a witness in a lawsuit within the Republic of China.
(3)Employees of the public transportation operator the insured is scheduled to ride go on strike, resulting in the cancellation or delay of the scheduled service for up to 24 hours, or riots or public disturbances at the destination the insured is scheduled to travel to.
(4)The insured's residential building and movable property located therein are damaged or destroyed by fire, flood, earthquake, typhoon, or other natural disaster within the Republic of China, with the total loss exceeding NT$250,000. - 2、假使被保險人已經出發到海外，發生承保事故導致往後的行程要進行取消，請問「旅程取消」保險可以理賠嗎？
2、If the insured has already departed for an overseas trip and a covered event occurs, causing the subsequent trip to be canceled, can the "Trip Cancellation" insurance claim be covered? - 2：不可以。「旅程取消」保險項目須於海外旅程開始前七日至海外旅行期間開始前（即預定出發(班機)日期前），發生保單條款所列舉之承保事故，導致被保險人必須取消預定之全部旅程，對於其無法取回之預繳團費、交通、住宿及票券之費用，才能申請理賠；若被保險人已經完成出境手續離開中華民國出境證照查驗櫃台之時，則依「旅程更改」保險項目申請理賠。
2：No. "Trip Cancellation" coverage requires that a covered event listed in the policy terms occur between seven days before the start of the overseas trip and before the start of the overseas trip (i.e., before the scheduled departure (flight) date), resulting in the insured being forced to cancel the entire trip. A claim can only be filed for irrecoverable prepaid tour fees, transportation, accommodation, and airfares. If the insured has completed departure procedures and left the ROC Exit Permit Inspection Counter, a claim can be filed under the "Trip Change" insurance policy. - ※班機延誤保險篇（Flight Delay Insurance）--
1、請問，「班機延誤保險」是以班機抵達時間或是起飛時間，做為保險事故的成立要件？
1、Does Flight Delay Insurance use the flight arrival time or departure time as the insured event condition? - 1：對於班機延誤之理賠，係以被保險人所搭乘之定期航班較預定出發時間延誤四小時以上，做為本公司給付保險金之要件。
1：For flight delay claims, the insured's scheduled flight must be delayed by at least four hours beyond its scheduled departure time for the company to pay the insurance benefit. - 2、倘若被保險人是因前段航班延誤，導致失接(沒搭到)後段班機，這樣是否能申請「班機延誤」保險之理賠？
2、If the insured misses the next flight due to a delay on the previous flight, can he/she apply for a claim under the "Flight Delay" insurance? - (1)若被保險人是前段航班延誤超過4小時，則可申請班機延誤理賠。
(2)如被保險人因前段航班延誤導致失接(沒搭到)後段班機，其原訂後段班機預定起飛時間與實際搭乘時間超過4小時以上，可申請班機延誤理賠。
(3)惟前段班機與後段失接班機之延誤時數不可累加計算，且其屬同一事故僅可擇一理賠。
(4)被保險人搭乘之定期航班較預定出發時間延誤四小時以上者，本公司定額給付保險金於保險期間內以給付兩次為限。
(1) If the insured's previous flight is delayed for more than 4 hours, he/she can apply for a claim under the "Flight Delay" insurance.
(2) If the insured misses the next flight due to a delay on the previous flight, and the difference between the scheduled departure time of the next flight and the actual departure time is more than 4 hours, he/she can apply for a claim under the "Flight Delay" insurance.
(3) However, the delay hours of the previous flight and the missed flight cannot be calculated cumulatively, and only one of them can be claimed for the same incident.
(4)If the scheduled flight of the Insured Person is delayed for more than four hours beyond the scheduled departure time, the Company will pay the fixed benefit up to two times during the insurance period. - 3、假使被保險人所搭乘之交通工具，不是飛機但發生延誤四小時以上，請問「班機延誤」保險項目，是否可進行理賠？
3、If the insured's transportation is not an airplane and is delayed for more than four hours, is the "Flight Delay" insurance policy eligible for a claim? - 3：不可以。「班機延誤」保險項目僅限定被保人搭乘經當地政府登記許可之航（路）線，具有固定場站、固定班次(含事先公告之加開班次)，提供不特定旅客運送服務之班機。若是搭乘的交通工具不是飛機，或是屬於限定旅客之專機、包機及私人飛機等，則皆不符合承保條件，本公司將不會理賠。
3：No. The "Flight Delay" insurance policy only covers the insured's travel on flights that are registered and approved by the local government, have fixed terminals, and scheduled flights (including additional flights announced in advance), and provide unspecified passenger transportation. If the insured's transportation is not an airplane, or is a special, chartered, or private aircraft used for limited passengers, the insurance does not meet the coverage requirements and the company will not pay the claim. - 4、倘若被保險人預定上午六點從台灣出發，在香港轉機前往法國旅遊，但前一天因為太興奮而失眠，早上睡過頭而錯過出發的飛機。請問，這樣可以申請「班機延誤保險」理賠嗎？
4、If the insured person is scheduled to depart Taiwan at 6:00 AM and transit in Hong Kong for a trip to France, but is too excited to sleep the night before and oversleeps, missing their flight, can they claim compensation under Flight Delay Insurance? - 4：不行喔。依據「第一產物個人海外旅行不便保險」保單條款第22條不保事項之約定：「被保險人因本身事由而未搭乘預定之班機或錯過轉接班機。」本公司不負理賠責任。
4：No. According to Article 22 of the First Product Personal Overseas Travel Inconvenience Insurance policy, which excludes coverage for the insured person's failure to board their scheduled flight or to miss their connecting flight due to personal reasons, our company is not responsible for claims. - 5：被保險人從臺灣出發去旅遊，倘若因臺灣受颱風侵襲，導致班機起飛時間更改至隔日。請問，這種情況符合「旅遊不便保險」那一項保險項目？
5.If the insured is traveling from Taiwan and their flight is rescheduled to the next day due to a typhoon, which coverage under the "Travel Inconvenience Insurance" does this situation qualify for? - 5.若被保險人原預定搭乘班機，起飛時間延遲四小時（含）以上，或因颱風等天災影響而取消(必須搭乘航空公司安排的第一班替代班機，如航空公司未安排須於保險期間內自行安排替代班機)，被保險人僅可申請「班機延誤保險」，本公司應依保險契約約定，定額給付保險金。
5：If the Insured's originally scheduled flight is delayed by four hours or more, or is canceled due to a natural disaster such as a typhoon (the Insured must take the first available alternative flight arranged by the airline; if the airline fails to arrange an alternative flight, the Insured must arrange their own alternative flight within the insurance period), the Insured may only apply for Flight Delay Insurance, and the Company shall pay the fixed amount of insurance benefits in accordance with the insurance contract. - 6、被保險人從日本羽田機場搭機回松山機場，因臺灣正遭受颱風侵襲，班機起飛延遲兩小時起飛，於臺灣上空為等待松山機場開放而盤旋三小時後才降落，已較原定抵達時間延遲了五小時。請問，可以申請「班機延誤保險」理賠嗎？
6、The insured was flying from Haneda Airport in Japan back to Songshan Airport. Due to a typhoon hitting Taiwan, the flight was delayed two hours. The insured then circled over Taiwan for three hours, waiting for Songshan Airport to reopen, before landing, resulting in a five-hour delay in arrival. Can I claim for flight delay insurance? - 6：不行喔! 「第一產物個人海外旅行不便保險」第二十一條第一項約定：「被保險人於本保險契約保險期間內，以乘客身分所搭乘之定期航班較預定出發時間延誤四小時以上者，本公司依本保險契約約定之保險金額給付保險金。」
上述條款約定，係以班機是否較預定出發時間有延誤四小時為成立要件，與抵達目的地時間無關，且本案例被保險人搭乘班機起飛時間僅延遲了兩小時，故無法予以理賠。
6：No! Article 21, Paragraph 1 of First Product's Personal Overseas Travel Inconvenience Insurance states: "If, during the policy period, the insured is a passenger on a scheduled flight that is delayed by more than four hours beyond the scheduled departure time, the Company will pay the insurance benefit in accordance with the insured amount stipulated in this insurance contract."
This clause requires that the flight be delayed by four hours beyond the scheduled departure time, not the arrival time. In this case, the insured's flight was only delayed by two hours, so no claim is payable. - 7、被保險人原訂8月13日自北京飛回高雄，因天侯因素航班遭取消，改訂翌日8月14日的航班。然而，8月14日當天又被通知因班機延誤，導致飛抵高雄小港機場將逾宵禁時間，故航空公司再次取消航班，因而改搭8月15日的班機，始返抵高雄。被保險人認為以上的情況屬於不同天、不同航班且不同原因，應可申請兩次班機延誤保險金，對嗎？
7、The insured originally planned to fly from Beijing back to Kaohsiung on August 13th. Due to weather conditions, the flight was canceled and the insured was rebooked for the following day, August 14th. However, on August 14th, the insured was notified that the flight would be delayed and would arrive at Kaohsiung's Xiaogang Airport after curfew. The airline canceled the flight again, so the insured rebooked a flight on August 15th, arriving in Kaohsiung.
The insured believes that the above situations occur on different days, different flights and for different reasons, so he should be able to apply for two flight delay insurance benefits, right? - 7：抱歉，不對喔! 「班機延誤保險」保單條款約定：「班機延誤期間之計算，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出發之時止。」依題例被保險人實際出發之時或第一班替代班機出發之時為8月15日的航班，非8月14日，故僅能視為延誤一次，本公司依約給付一次「班機延誤保險金」。
7：Sorry, that's not correct! The Flight Delay Insurance policy states: "The duration of flight delay is calculated from the scheduled departure time of the scheduled flight to the actual departure time or the departure time of the first alternative flight." In the example above, the insured's actual departure time or the departure time of the first alternative flight is August 15th, not August 14th. Therefore, this is only considered a single delay, and the company will pay the Flight Delay Benefit once as per the policy. - 8、請問，被保險人於8月20日由美國舊金山要回台灣，因班機延誤起飛，導致原8月21日抵達菲律賓後，錯過原定轉機的班機，目前等待航空公司安排的替代班機，請問這樣可以申請理賠嗎？
8、The insured was returning to Taiwan from San Francisco, USA on August 20th. Due to a flight delay, he missed his scheduled connecting flight after arriving in the Philippines on August 21st. He is currently waiting for an alternative flight arranged by the airline. Can he file a claim? - 8：本公司「班機延誤保險」保單條款約定：「因前班班機延誤所致錯過轉接班機之延誤與前班班機延誤視為同一延誤事故。」而對於班機延誤之理賠金額，滿四小時本公司始依保險單所載保險金額給付保險金，...。
所以，需在舊金山起飛的班機有延誤超過四小時，或是導致被保險人因而錯過了轉接的班機，而航空業者重新安排之班機，較原預訂轉接的班機延誤四小時以上時，始屬符合條款的約定。但被保險人非因不可抗力因素，導致無法搭乘航空業者所提供之第一班替代交通工具時，本公司不予給付班機延誤保險金。
本案例，若航空業者未安排轉接的班機的替代班機時，被保險人於保險期間內自行安排替代班機時，本公司依本保險契約之約定對被保險人負理賠之責。
8：Our company's "Flight Delay Insurance" policy stipulates that "missing a connecting flight due to a delay in the previous flight is considered the same delay as the previous flight." The company will only pay the insurance benefit for flight delays, according to the policy amount, after a delay of four hours. ... Therefore, if a flight departing from San Francisco is delayed for more than four hours, or if the insured misses their connecting flight and the airline reschedules their flight more than four hours later than the originally scheduled connecting flight, the policy will be met. However, if the insured is unable to use the first alternative transportation provided by the airline, not due to force majeure, the company will not pay the flight delay benefit.
In this case, if the airline fails to arrange an alternative flight for the connecting flight, and the insured arranges an alternative flight on their own during the policy period, the company will be responsible for paying the claim in accordance with the terms of the insurance contract. - 9、被保險人原訂班機被航空公司取消，自行安排的班機較原班機提前兩小時，請問可否申請「班機延誤保險金」嗎？
9、If the insured's original flight is canceled by the airline and they arrange a flight two hours earlier than the original, can they claim Flight Delay Benefit? - 9：原班機被取消，被保險人務必在保險期間內自行安排替代班機(必須搭乘航空公司安排的第一班替代班機，如航空公司未安排須於保險期間內自行安排替代班機)，即使重新安排原班機的時間較原班機起飛時間提前，便可申請「班機延誤保險金」。惟請注意重新安排的班機起飛時間是否於保險期間內，以免保險權益可能受到影響。
9：If the original flight is canceled, the insured must arrange an alternative flight within the policy period (must take the first alternative flight arranged by the airline; if the airline does not arrange an alternative, the insured must arrange an alternative flight within the policy period). Even if the rescheduled flight departs earlier than the original flight, you can still claim the Flight Delay Benefit. However, please ensure that the rescheduled flight departs within the policy period to avoid potential impact on your insurance benefits. - 10、被保險人投保本公司旅平險海外豪華型-申根國家保險單，原訂8月13日搭乘由桃園機場飛往香港的班機，再由香港轉機飛至蘇黎世，但因受颱風影響，致使桃園機場起飛的班機延誤，抵達香港後来不及搭乘轉飛蘇黎世的班機。航空公司因此安排被保險人改搭乘先飛至慕尼黑班機後，再轉機飛抵蘇黎世。
經上述事由，導致被保險人原表定瑞士時間8月14日 7:10可抵到蘇黎世，變成預定需至8月14日 15:45才能抵達。請問，以上事故被保險人能申請那些項目保險理賠？
10、The insured purchased our company's Travel Insurance Overseas Luxury Schengen Country Policy and was originally scheduled to take a flight from Taoyuan Airport to Hong Kong on August 13th, then connect to Zurich from Hong Kong. However, due to a typhoon, the flight from Taoyuan Airport was delayed, and upon arrival in Hong Kong, the insured was unable to catch the connecting flight to Zurich. The airline therefore arranged for the insured to take a flight to Munich, then connect to Zurich.
As a result, the insured's original scheduled arrival in Zurich at 7:10 a.m. Swiss time on August 14th was now scheduled to arrive at 3:45 p.m. on August 14th. What insurance benefits can the insured file for in the above-mentioned accident？ - 10：如被保險人訂8月13日搭乘由桃園機場飛往香港的班機，有因受颱風影響，延誤四小時以上，可檢附下列資料，向本公司申請「班機延誤保險金」。
1.理賠申請書
2.機票及登機證或航空業者出具之搭機證明
3.航空業者所出具載有班機延誤期間之證明
此外，旅遊不便保險的「班機延誤保險」項目，是以班機起飛時間點為準，與抵達目的地的時間無關。
本案例，除「班機延誤保險」項目外，未符合其他旅遊不便保險項目。
10：If the insured's flight from Taoyuan Airport to Hong Kong on August 13th is delayed for more than four hours due to a typhoon, they can submit the following documents to apply for Flight Delay Benefit from our company.
1. Claim application form
2. Air ticket and boarding pass or the boarding certificate issued by airline
3. Certificate of delay with time period and cause issued by airline
In addition, the "Flight Delay Insurance" section of the travel inconvenience insurance policy is based on the departure time of the flight and is not related to the arrival time at the destination.
In this case, other than the "Flight Delay Insurance" section, no other travel inconvenience insurance coverage is eligible. - ※旅程更改保險篇（Trip Change Insurance）--
1、倘若被保險人於海外旅行期間，原訂今日回臺灣的航班，但旅遊當地因颱風導致機場關閉、班機取消，故必須更改行程。請問，是否符合「旅程更改保險」項目約定之承保事故？
1：If an insured person is traveling overseas and originally scheduled to return to Taiwan on a flight today, but a typhoon causes the airport in the destination to close and the flight to be canceled, requiring them to change their itinerary, does this qualify as a covered event under the "Trip Change Insurance" policy? - 1：是的。對於「旅程更改保險」中所第一項約定事故：「預定搭乘之公共交通工具業者之受僱人罷工，或預定前往之地點發生戰爭、暴動、民眾騷擾、天災。」之定義解釋，其中「預定前往之地點」泛指旅遊中任一地點，不侷限於旅程之出發地或目的地。
例如：關西機場因受颱風影響，聯外道路中斷，旅客無法前往機場，致使旅程必須更改，機場即符合上述條款所稱「預定前往之地點」；惟申請理賠時，須提供原預定行程之相關文件做為佐證。
1：Yes. Regarding the first covered event in the "Trip Change Insurance," which states: "Strike by employees of the public transportation operator, or war, riot, civil unrest, or natural disaster at the intended destination," the definition of "intended destination" generally refers to any location during the trip, not just the departure or destination. - 2、倘若被保險人在海外旅行期間，原訂搭乘班機今天回台，惟因臺灣遭受颱風，導致機場關閉，進而航空公司取消航班，故造成被保險人旅程必須做更改。請問，是否符合「旅程更改保險」項目約定之承保事故？
2、If an insured person is traveling overseas and is scheduled to return to Taiwan on a flight today, but a typhoon hits Taiwan, causing the airport to close and the airline to cancel the flight, forcing the insured person to change their itinerary, does this qualify as a covered event under the "Trip Change Insurance" policy? - 2：是的。對於「旅程更改保險」項目中第一項條款約定：「預定搭乘之公共交通工具業者之受僱人罷工，或預定前往之地點發生戰爭、暴動、民眾騷擾、天災」之定義解釋，其中「預定前往之地點」泛指旅遊中任一地點，不侷限於旅程之出發地或目的地。故此案例中預定前往之地點為臺灣，且遭受颱風襲擊，導致航班被取消，必須更改旅程，故符合「旅程更改」保險項目約定之承保事故，可申請因而增加之交通或住宿費用理賠，實支實付最高以保單所載保險金額為限。
2：Yes. The first clause of the "Trip Change Insurance" section states: "Strike by employees of the public transportation operator, or war, riot, civil unrest, or natural disaster at the destination." The definition of "destination" here broadly refers to any location during the trip, not just the departure or destination. Therefore, in this case, the destination was Taiwan, and a typhoon caused flight cancellations, necessitating a change in itinerary. This qualifies as a covered event under the "Trip Change Insurance" section, and you can file a claim for increased transportation or accommodation expenses, up to the policy's stated insured amount. - 3、倘若被保險人在海外旅行期間，原訂回臺灣之船班，遭受颱風等天然災害影響，導致船班被取消，進而旅程必須更改。請問，是否符合「旅程更改保險」項目約定之承保事故？
3、If the insured person's originally scheduled ferry back to Taiwan is cancelled due to a natural disaster such as a typhoon while traveling overseas, and the trip must be changed, does this qualify as a covered event under the "Trip Change Insurance" policy? - 3：是的。對於「旅程更改保險」項目中第一項約定：「預定搭乘之公共交通工具業者之受僱人罷工，或預定前往之地點發生戰爭、暴動、民眾騷擾、天災」之定義解釋，其中「預定前往之地點」泛指旅遊中任一地點，不侷限於旅程之出發地或目的地。
例如：若以小三通往返金廈，因遭遇天災導致航線停駛，被保險人無法返回原目的地，可依照旅程更改之承保範圍，申請因而所增加之交通或住宿費用理賠，實支實付最高以保單所載保險金額為限；惟申請理賠時，須提供原預定行程之相關文件佐證。
3：Yes. Regarding the first clause of the "Trip Change Insurance" section, which states: "Strike by employees of the public transportation operator, or war, riot, civil unrest, or natural disaster at the intended destination," the definition of "intended destination" generally refers to any location during the trip, not just the departure or destination.
For example, if you travel between Kinmen and Xiamen via the Mini Three Links and the route is suspended due to a natural disaster, preventing you from returning to your original destination, you can apply for compensation for the increased transportation or accommodation expenses in accordance with the itinerary change coverage. The actual amount paid is limited to the insured amount stated in the policy. However, when applying for compensation, you must provide relevant supporting documents of the original itinerary. - 4、倘若被保險人在海外旅行期間，因租車「自行駕駛」發生交通意外事故，導致旅程必須做更改。請問，是否符合「旅程更改保險」項目約定之承保事故？
4、If the insured person is involved in a traffic accident while renting a car and driving it themselves during their overseas trip, and their trip must be changed, does this qualify as a covered accident under the "Trip Change Insurance" policy? - 4：否。對於「旅程更改保險」項目中第四項之約定：「因搭乘汽車、火車、航空器或輪船等發生交通意外事故。」所謂「搭乘」係指以乘客身份乘坐交通工具；若被保險人為駕駛人，即不符合保單條款約定之「搭乘」定義。
4：No. Regarding the fourth item of the "Trip Change Insurance" section, which states: "Traffic Accidents Occurring While Riding on a Car, Train, Aircraft, or Ship," the term "riding" refers to being a passenger on a vehicle. If the insured is the driver, this does not meet the definition of "riding" under the policy terms. - 5、倘若被保險人在海外旅行期間，發生「旅程更改保險」之承保事故，係因不可抗力因素，只能訂原等級飯店或交通，是否可以申請全額理賠？
5、If the insured person experiences a covered event called "Trip Change" during their overseas trip due to force majeure and is forced to book only the original hotel or transportation class, can they claim full compensation? - 5：依保單條款約定，因「旅程更改」所增加之交通或住宿費用，以被保險人原預定之交通及住宿同等級之費用為限。惟應扣除可由旅館業者、交通工具業者、旅行社或其他提供旅行、住宿業者處獲得之退款或非貨幣形式償還之等值金額。住宿費用不包含他人同宿之費用，如有他人同宿時，本公司依人數比例計算保險金，實支實付最高以保單所載保險金額為限。
5：As stipulated in the policy, additional travel or accommodation expenses incurred due to a "trip change" are limited to the cost of transportation and accommodation of the same class as the Insured's original reservation. However, any refunds or non-monetary reimbursements of an equivalent value available from the hotel, transportation, travel agency, or other travel and accommodation provider must be deducted. Accommodation expenses do not include the cost of sharing accommodations. If sharing accommodations, the Company will calculate the benefit based on the proportion of the number of guests, with the maximum actual payment being the insured amount stated in the policy. - 6、倘若被保險人於8/1~8/5赴北海道進行自助旅遊，每天更換不同的民宿或飯店，於8/3下午14:00在免稅店消費，正要拿護照結帳時，發現護照遺失，當晚上18:00向派出所報案後，決定更改後續行程，回到前晚住宿民宿尋找，並通知本公司延長旅遊期間到8/7止，惟被保險人非常幸運地在8/6尋回護照。請問，被保險人可否申請「旅程更改保險」理賠嗎？
6、If the insured travels to Hokkaido on a self-guided tour from August 1st to August 5th, changing guesthouses or hotels each day, and discovers their passport is missing at 2:00 PM on August 3rd while checking out at a duty-free shop, they report it to the police at 6:00 PM. They then decide to change their itinerary, return to their guesthouse to look for their passport, and notify our company to extend their trip until August 7th. Fortunately, the insured finds their passport on August 6th. Can they claim compensation under the "Trip Change Insurance"? - 6：被保險人決定回到前晚住宿民宿尋找護照，導致必須更改其預定旅程因而所增加之交通或住宿費用，需要提出預定行程之相關費用單據正本、費用明細證明文件，與當地警方出具之護照或旅行文件遺失證明文件。
8/6護照尋回後，被保險人自行延長旅遊期間的旅程費用，將不予理賠，但在8/6未找到護照前的交通及住宿費用，本公司將依約理賠。
6：If the insured decides to return to their guesthouse to look for their passport, resulting in a change in their scheduled itinerary and the resulting increased travel or accommodation expenses, they will need to provide original receipts for the scheduled itinerary, detailed expense documentation, and proof of passport or travel document loss issued by the local police.
After the passport is found on August 6th, any expenses incurred by the insured for extending their trip will not be covered. However, our company will cover any travel and accommodation expenses incurred before the passport is found on August 6th, as per the contract. - 7：倘若被保險人自臺灣出發至韓國旅遊，再由韓國至日本旅遊，但日本遭受颱風侵襲，導致原預定搭乘赴日班機延遲至隔日。請問，被保險人可否申請「旅程更改保險」理賠嗎？
7、If the insured travels from Taiwan to South Korea and then from South Korea to Japan, but Japan is hit by a typhoon, causing the flight to Japan to be delayed until the next day, can the insured apply for a claim under the "Trip Change Insurance"? - 7：可以。依上述案例，「旅程更改保險」項目之保險事故成立要件為：
(1) 被保險人必須在海外旅遊期間；
(2) 因受天災影響需更改旅程；
(3) 有因更改旅程而增加交通或住宿費用。
致於被保險人於海外旅遊期間「前往地點」為何，不屬成立要件。
7：Yes. Based on the above case, the insured event conditions for the "Trip Change Insurance" are:
(1) The insured must be traveling abroad;
(2) The trip must be changed due to a natural disaster;
(3) There are additional transportation or accommodation costs due to the change in trip.
As for the "place" the insured travels to during the overseas trip, it is not a requirement for the insured to claim. - 8、請問：
1、被保險人自廈門經由小三通搭船回到金門，但受颱風影響導致船班延後了，必須多住廈門一天，是不是可以申請「旅程更改保險」有關住宿及交通等增加的費用？
2、被保險人如果因受颱風影響，因自廈門至金門的船班延誤了，抵達金門錯過返回臺灣的國內航班，因此必須在金門多停留一天，是不是同樣可以申請「旅程更改保險」有關住宿及交通等增加的費用？
8、1. If the insured takes a ferry from Xiamen to Kinmen via the Mini Three Links, but the ferry is delayed due to a typhoon, forcing them to stay in Xiamen for an extra day, can they claim the additional expenses for accommodation and transportation under the Trip Change Insurance? - 8：問題1，被保險人可依約申請旅程更改保險金。
問題2，因金門至臺灣的班機屬於國內航班，不符合「旅程更改保險」僅承保被保險人於海外旅行期間內發生的保險事故之約定，故本公司將不予理賠。
8：For Question 1, the insured can claim the Trip Change Insurance benefit according to the contract.
For Question 2, since the flight from Kinmen to Taiwan is a domestic flight, it does not meet the Trip Change Insurance's stipulation that only covers accidents occurring during the insured's overseas trip. Therefore, our company will not pay the claim. - ※行李延誤保險篇（Baggage Delay Insurance）--
1、倘若被保險人自中國大陸旅遊回台，抵達機場時已是19:00，發現行李沒有跟著同班機回臺，而是遭被航空公司誤送到日本，待收到航空公司通知，領回行李時已是次日上午10:00。請問，這樣被保險人能否申請「行李延誤保險」理賠？
1、If the insured returns to Taiwan from mainland China and arrives at the airport at 7:00 PM, they discover that their luggage did not arrive on the same flight back to Taiwan but was mistakenly sent to Japan by the airline. By the time they receive notification from the airline and retrieve their luggage, it's already 10:00 AM the next day. Can they claim for the baggage delay insurance? - 1：不行喔。依據「第一產物個人海外旅行不便保險」保單條款第28條特別不保事項之約定：「被保險人於返回中華民國境內機場之行李延誤。」本公司不負理賠責任，所以即使延誤超過6小時也無法理賠。
1：No. According to Article 28 of the First Product & Service International Travel Disturbance Insurance policy, which contains a special exclusion for "delayed baggage upon return to the airport within the Republic of China," our company is not responsible for claims. Therefore, even if the delay exceeds six hours, we cannot pay the claim. - ※行李損失保險篇（Luggage Loss Insurance）--
1、倘若被保險人在韓國購買燒酒當伴手禮。並放在行李箱中託運，回國後發現燒酒的玻璃瓶破裂。請問，這個情形被保險人要怎麼申請「行李損失保險」理賠?
1、If the insured purchased soju as a souvenir in Korea and checked it in their luggage, and upon returning home discovered the bottle of soju was broken, how could they file a claim under the "Luggage Loss Insurance"? - 1：不行喔。依據「第一產物個人海外旅行不便保險」保單條款第28條特別不保事項之約定：「玻璃、磁器、陶器或其他易碎物品。」本公司不負理賠責任，因此被保險人燒酒破裂的損失，無法獲得理賠。
1：No. According to Article 28 of the "First Product Personal Overseas Travel Inconvenience Insurance" policy, which specifically excludes "glass, porcelain, pottery, or other fragile items," our company is not responsible for claims. Therefore, the insured cannot receive compensation for the loss of the broken soju. - 2、被保險人在海外旅行期間內，倘若因公共交通工具業者處理失當所致之毀損、滅失或遺失，導致被保險人行李箱本體受損。請問，是否符合「行李損失」保險項目之承保範圍？
2、If the insured's luggage is damaged, destroyed, or lost due to mishandling by a public transportation operator during their overseas trip, does this qualify as coverage under the "Luggage Loss" insurance policy? - 2：不符合。對於行李箱、手提箱或類似容器本身之毀損或滅失，係屬「行李損失」保險項目中不保事項（物品）約定事項之一。
2：No. Damage or loss to luggage, suitcases, or similar containers is covered under the "Luggage Loss" insurance policy. - ※旅行文件損失保險篇（Travel Document Loss Insurance）--
1、倘若被保險人在沖繩自助旅遊多日，每天更換不同的民宿或飯店，某日下午14:00在免稅店消費，正要拿護照出來結帳時，發現找不到護照，回民宿仍未尋獲護照。請問，被保險人該怎麼做才能申請「旅行文件損失保險」理賠？
1、If an insured person is traveling independently in Okinawa for several days, changing guesthouses or hotels each day, and at 2:00 PM one day, they purchase their passport at a duty-free shop, but when they are about to take it out to check out, they find it is missing. Upon returning to the guesthouse, they still have not found their passport. How can the insured person file a claim for "Travel Document Loss Insurance"? - 1：被保險人必須在發現護照遺失的24小時內報警，並取得報案證明，回臺才能向本公司申請定額給付「旅行文件損失保險」之保險金。
1：The insured must report the loss of their passport to the police within 24 hours and obtain a police report. Only after returning to Taiwan can they apply for a fixed-amount payment from our company for the "Travel Document Loss Insurance." - ※綜合篇（Comprehensive）--
1：倘若被保險人自日本旅遊返回臺灣，不幸日本遭受颱風侵襲，導致原預定搭乘回臺班機延遲至隔日。請問，被保險人可申請那一項保險理賠？
1、If the insured is traveling to Taiwan from Japan and is unfortunately hit by a typhoon, causing their scheduled flight back to Taiwan to be delayed until the next day, which insurance claim can they apply for? - 1：被保險人原預定搭乘回臺之班機，受颱風（天災）影響，導致旅程必須更改，有增加交通或住宿費用時，本公司應依「旅程更改保險」項目，於保險限額內實支實付給付保險金。
另外，若被保險人原預定搭乘班機延誤四小時以上時，可檢附航空公司延誤證明文件，向本公司申請「班機延誤保險」項目之理賠。
1：If the insured's scheduled flight back to Taiwan is affected by a typhoon (natural disaster), resulting in a change of itinerary and incurring additional transportation or accommodation expenses, our company will pay the insured benefits under the "Trips Change Insurance" within the policy limits.
In addition, if the insured's scheduled flight is delayed for more than four hours, they may submit documentation confirming the delay from the airline and apply for a claim under our "Flight Delay Insurance." - 2、旅程中如果遇到航空公司員工罷工，可申請「個人海外旅行不便險」何種保險項目理賠？
2、If an airline employee strike occurs during your trip, what coverage can be claimed under the "Personal Overseas Travel Inconvenience Insurance"? - 2：依保單條款約定，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。故被保險人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時，有關罷工事件所導致的旅行不便損失，本公司均不予理賠。
假使要保人或被保險於罷工事件宣布前或發生前已完成投保者，對於因預定搭乘之公共交通工具業者之受僱人罷工，引發旅行不便損失，有下列保險項目可申請理賠。
(1)「旅程取消保險」：被保險人若因航空公司員工罷工事件，導致所預定搭乘之班次取消或延誤達二十四小時而必須取消預定的全部旅程，對於被保險人無法取回之預繳團費、交通、住宿及票券之費用，本公司依被保險人投保金額，實支實付最高保單所載之保險金額為限。
(2)「班機延誤險」：被保險人若因航空公司員工罷工事件，造成預定搭乘的班機延誤或取消（不限是否出國），仍搭乘「原訂」班機或改搭「其他」班機，因此延誤達四小時以上者，本公司定額給付保單所載之保險金額。
(3)「旅程更改險」：被保險人若於海外旅行期間（已出國），遭遇航空公司員工罷工，因該罷工事件導致須進行旅程更改而所增加的交通或住宿費用，本公司依被保險人投保金額，實支實付最高保單所載之保險金額為限。
2：According to the policy terms, accidents that have already occurred when the proposer or insured applies to our company for insurance are specifically excluded. Therefore, if the insured purchases travel inconvenience insurance after a strike has been announced or has occurred, our company will not pay for travel inconvenience losses caused by the strike.
If the proposer or insured purchased insurance before the strike was announced or occurred, the following coverage is available for claiming travel inconvenience losses caused by a strike by employees of the public transportation operator you planned to ride.
(1) Trip Cancellation Insurance: If the Insured Person is forced to cancel the entire trip due to a scheduled flight being cancelled or delayed for 24 hours due to an airline employee strike, the Company will pay the Insured Person the maximum amount of insurance stated in the policy for the prepaid tour fee, transportation, accommodation and ticket expenses that the Insured Person cannot recover.
(2) Flight Delay Insurance: If the Insured Person is forced to take the original flight or change to another flight due to an airline employee strike, and the delay is more than four hours, the Company will pay the Insured Person the fixed amount stated in the policy.
(3) Trip Change Insurance: If the Insured Person encounters an airline employee strike during his/her overseas trip (already abroad), the Company will pay the Insured Person the maximum amount of insurance stated in the policy for the additional transportation or accommodation expenses incurred as a result of the strike, based on the Insured Person's insured amount. - ※海外突發疾病保險篇（Overseas Sudden Illness Insurance）--
1、倘若被保險人在海外旅行期間內，罹患傳染病防治法所規定之法定傳染病，請問可申請「海外突發疾病醫療健康保險」理賠嗎？
1、If the insured person contracts a notifiable infectious disease as defined in the Communicable Disease Prevention and Control Act while traveling overseas, can he or she apply for a claim under the Overseas Sudden Illness Medical Health Insurance? - 1：不可以。被保險人因罹患中華民國傳染病防治法第三條所規定之法定傳染病，而衍生之住院、門診費用，本公司依該保單條款第九條「除外責任」第八項約定，不予給付海外突發疾病的各項醫療保險金。
1：No. Pursuant to Article 9, Section 8, "Exclusions," of the policy terms, our company will not pay for overseas sudden illness medical benefits for hospitalization or outpatient expenses incurred by the insured due to a notifiable infectious disease as defined in Article 3 of the Communicable Disease Prevention and Control Act of the Republic of China. - 2：倘若被保險人在海外旅行期間，突染疾病，請問回國後就醫費用，可以申請「海外突發疾病醫療健康保險」理賠嗎？
2、If the insured person contracts a sudden illness while traveling overseas, can they claim the medical expenses after returning home under the Overseas Sudden Illness Medical Health Insurance? - 2：不可以。該保單僅承保被保險人於保險契約有效期間內，在海外因突發疾病需住院、門診或急診之醫療費用，回國後就醫的醫療費用，不在承保範圍內。
2：No. This policy only covers the insured person's overseas hospitalization, outpatient clinic, or emergency room medical expenses for sudden illnesses during the effective period of the policy. Medical expenses incurred after returning home are not covered. - 3、被保險人前往西藏旅遊，因恐面臨高原反應導致高山症，由當地導遊引領至登山用品店預先購買氧氣瓶，以備不時之需。請問，可否申請海外突發疾病保險金？
3：An insured person is traveling to Tibet. Fearing altitude sickness, he or she is led by a local guide to a mountaineering store to purchase oxygen cylinders in advance. Can he or she apply for overseas sudden illness benefits? - 3：不行喔! 本公司海外突發疾病保險，僅對被保險人在海外因突發疾病需住院、門診或急診診療時，始依本保單條款約定給付保險金。被保險人未經醫師診療，自行體購買氧氣瓶費用，非屬醫療費用，本公司將不予理賠。
3：No! Our overseas sudden illness insurance only pays benefits in accordance with the policy terms if the insured requires hospitalization, outpatient treatment, or emergency room treatment due to a sudden illness overseas. If the insured purchases oxygen cylinders without seeking medical attention, the cost is not considered medical expenses and will not be reimbursed by our company. - ※急難救助保險篇（Emergency Relief Insurance）--
1：倘若被保險人赴瑞士旅遊，投保旅行平安保險海外便利型專案。不幸遭遇嚴重車禍，於當地醫院住院治療超過七日。請問，有關親友前往探視或處理後事費用及醫療轉送費用等，可否由國際救援組織先行代為支付？
1、If an insured person travels to Switzerland and purchases a Travel Insurance Overseas Convenience Plan, and unfortunately is involved in a serious car accident and hospitalized for more than seven days, can an international assistance organization prepay the costs of visiting relatives and friends, handling funeral arrangements, and medical evacuation? - 1：被保險人之親屬可撥打「旅平險海外急難救助專線電話：+886-2-66199208」與本公司合作之國際救援組織聯絡，提供被保險人之姓名、身分證字號保單號碼，經該組織向本公司確認無誤後，並向本公司進行報價並獲同意後，對於被保險人或其親友需支出的「急難救助費用保險」相關費用，可由國際救援組織先行墊付；惟被保險人返國後，仍需向本公司申請理賠，本公司得直接向該組織給付保險金。
1：The insured's relatives can contact our partner international assistance organization by calling the Travel Insurance Overseas Emergency Assistance Hotline: +886-2-66199208. Provide the insured's name, ID number, and policy number. After the organization confirms the details with our company and provides us with a quote and approval, the international assistance organization will prepay the insured or their relatives' expenses related to the Emergency Assistance Insurance. However, after the insured returns to their home country, they must still file a claim with our company, and our company will pay the insurance proceeds directly to the organization. - 2、SOS海外緊急救援服務的醫療協助有包含那些項？
2、What does the SOS Overseas Emergency Assistance Service include? - 2：(1)緊急醫療轉送(如直升機、醫療專機、救護車等等)、
(2)緊急轉送回國、
(3)遺體/骨灰運送回國或當地禮葬、
(4)旅遊保健電話諮詢、
(5)代轉住院醫療費用及保證金（非歐洲申根國家適用）、
(6)代墊住院醫療費用及保證金（歐洲申根國家且投保申根計畫適用）……等
※請注意，部分服務所生之相關費用，需由被保險人或其家屬負擔全額或部分費用。
2：(1) Emergency medical evacuation (e.g., helicopter, medical plane, ambulance, etc.),
(2) Emergency repatriation,
(3) Repatriation of remains/ashes or local burial,
(4) Travel health telephone consultation,
(5) Transfer of hospitalization medical expenses and deposit (applicable to non-Schengen countries),
(6) Advance payment of hospitalization medical expenses and deposit (applicable to Schengen countries with Schengen insurance plans), etc.
※Please note that some of the costs incurred by the service must be borne in full or in part by the insured or his/her family. - 3、緊急救援費用保險承保範圍是否包含國外緊急醫療轉送(如:直升機、醫療專機、救護車等)所產生的費用？
3、Does emergency rescue expense insurance cover expenses incurred during international emergency medical evacuation (e.g., helicopter, medical plane, ambulance, etc.)? - 3：被保險人經當地合法立案之救援組織或國際救援組織專屬醫師及被保險人之當地醫療機構主治醫師診斷，認為當地醫療設備不足以提供被保險人完整之醫療照顧，需進行醫療轉送時，因護送被保險人至最近能提供適當醫療照顧之醫療機構，或其指定之國內醫療機構，所安排空中、地面或水上運輸工具及隨行醫護人員和所需醫療設備等費用。但最高以本承保項目約定之保險金額NT$1,500,000為限。
3：If the Insured, after diagnosis by a physician designated by a local legally registered rescue organization or international rescue organization and the Insured's local medical institution's attending physician, determines that local medical facilities are insufficient to provide the Insured's complete medical care and medical evacuation is necessary, this insurance will cover the costs of arranging air, ground, or water transportation, accompanying medical personnel, and necessary medical equipment to escort the Insured to the nearest medical facility that can provide appropriate medical care, or to a designated domestic medical facility. This coverage is limited to the insured amount of NT$1,500,000 as stipulated in this coverage. - 何謂「複保險」?
- 係指被保險人就同一保險標的、同一保險利益、同一保險事故同時向數家保險公司分別訂立數個保險契約之行為，我國現行保險法第三十五條規定：「複保險，謂要保人對於同一保險利益，同一保險事故，與數保險人分別訂立數個保險之契約行為。」有複保險之情形存在時，被保險人須通知保險人，我國現行保險法第三十六、三十七條即分別規定「複保險，除另有約定外，要保人應將他保險人之名稱及保險金額通知各保險人」，「要保人故意不為前條之通知，意圖不當得利而為複保險者，其契約無效。」