[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"page-data-\u002Fproduct\u002Faccident":3},{"pageData":4},{"route":5,"title":6,"metaTitle":6,"metaDescription":7,"bannerImage":8,"h1":18,"h2Feature":19,"h2Suggest":12,"h2Risk":20,"h2Calculation":12,"h2Event":21,"h2Bolg":22,"h2Case":23,"noticeTitle":24,"noticeContent":25,"noticeEffect":26,"noticeEnd":26,"showNotice":27,"terms":28,"structuredData":35},"\u002Fproduct\u002Faccident","【意外傷害險】小資專屬百萬意外保障，年繳813元起｜易安網","意外險保什麼？涵蓋意外身故、失能、骨折、交通與假日意外及生活照護金。易安網精選新光人壽、泰安產物意外險，通勤、出遊、運動族皆適合，線上投保813元起享保障",[9],{"src":10,"rwdSrc":11,"link":12,"sort":13,"dateStart":14,"dateEnd":15,"alt":16,"rwdAlt":17},"https:\u002F\u002Feinsure-prod-public.s3.hicloud.net.tw\u002Fimage\u002F2026\u002F03\u002F31\u002Faccident_1920x400.webp","https:\u002F\u002Feinsure-prod-public.s3.hicloud.net.tw\u002Fimage\u002F2026\u002F03\u002F31\u002Faccident_1100x784.webp","",2,"2026-04-02T08:00:00",null,"accident_1920x400","accident_1100x784","意外無法預料\u003Cbr>但意外險可以先準備","意外險線上投保\u003Cbr>精選高CP值方案","意外險是什麼\u003Cbr>為什麼我需要投保","專屬活動","意外險\u002F傷害險\u003Cbr>必備投保小技巧","意外險理賠案例\u003Cbr>骨折未住院有保障","維護公告","泰安產險進行系統維護作業\u003Cbr> 6\u002F27(六)09:00~18:00\u003Cbr> 將暫停受理服務\u003Cbr> 如造成您的不便，請您見諒","0001-01-01T00:00:00",false,[29,32],{"name":30,"url":31},"泰安產物 傷害險","https:\u002F\u002Feinsure-prod-public.s3.hicloud.net.tw\u002Fdoc\u002Ftaian\u002F泰安產物_傷害險條款_11208_230825110900.pdf",{"name":33,"url":34},"新光人壽 傷害險","https:\u002F\u002Feinsure-prod-public.s3.hicloud.net.tw\u002Fdoc\u002Fskllife\u002F新光人壽_傷害險條款_11403_250416151544.pdf","{\n  \"@context\": \"https:\u002F\u002Fschema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebSite\",\n      \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\u002F#website\",\n      \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\u002F\",\n      \"name\": \"易安網\",\n      \"description\": \"臺灣保險科技平台，提供旅平險、車險等多項商品線上投保與比價服務。\",\n      \"inLanguage\": \"zh-TW\",\n      \"publisher\": {\n        \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\"\n      }\n    },\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\",\n      \"name\": \"易安網\",\n      \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https:\u002F\u002Feinsure-prod-public.s3.hicloud.net.tw\u002Fupload\u002Fimage\u002Flogo\u002Fei_logo_color.svg\",\n        \"width\": 107,\n        \"height\": 32\n      },\n      \"description\": \"臺灣領先的金融科技保險平台，透過線上投保與比價服務，弭平保險與消費者間的資訊鴻溝，讓買保險就跟網購一樣輕而易舉。我們的使命是利用金融科技，讓消費者從被動變為主動，在多元客觀資訊環境下自由選擇適合的保險商品。\",\n      \"contactPoint\": {\n        \"@type\": \"ContactPoint\",\n        \"telephone\": \"+886-809-080-326\",\n        \"contactType\": \"customer service\",\n        \"availableLanguage\": \"zh-TW\",\n        \"areaServed\": \"TW\"\n      },\n      \"address\": {\n        \"@type\": \"PostalAddress\",\n        \"streetAddress\": \"敦化南路二段105號15樓\",\n        \"addressLocality\": \"台北市\",\n        \"postalCode\": \"106\",\n        \"addressRegion\": \"臺灣\",\n        \"addressCountry\": \"TW\"\n      },\n      \"sameAs\": [\n        \"https:\u002F\u002Fwww.facebook.com\u002Feinsure.com.tw\"\n      ],\n      \"foundingDate\": \"2001-10\",\n      \"slogan\": \"結合保險、科技及創新，打造新世代保險平台\",\n      \"hasCertification\": [\n        {\n          \"@type\": \"Certification\",\n          \"name\": \"ISO\u002FIEC 27001:2022 資訊安全管理系統認證 (註冊號碼: IC-IS-2408055)\",\n          \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fabout-us#iso27001\",\n          \"issuedBy\": { \"@type\": \"Organization\", \"name\": \"INTERCERT\" },\n          \"validFrom\": \"2024-08-07\",\n          \"validThrough\": \"2027-08-06\"\n        },\n        {\n          \"@type\": \"Certification\",\n          \"name\": \"ISO\u002FIEC 27701:2019 個人隱私資訊管理系統認證 (註冊號碼: IC-PI-24090411)\",\n          \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fabout-us#iso27701\",\n          \"issuedBy\": { \"@type\": \"Organization\", \"name\": \"INTERCERT\" },\n          \"validFrom\": \"2024-08-07\",\n          \"validThrough\": \"2027-08-06\"\n        }\n      ],\n      \"knowsAbout\": [\n        { \"@type\": \"Thing\", \"name\": \"Fintech\" },\n        { \"@type\": \"Thing\", \"name\": \"Insurance Comparison\" },\n        { \"@type\": \"Thing\", \"name\": \"Online Insurance\" }\n      ]\n    },\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F\",\n      \"name\": \"【意外傷害險】小資專屬百萬意外保障，年繳632元起｜易安網\",\n      \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F\",\n      \"description\": \"集合多元意外險方案，小資族、出差旅遊族、單車衝浪運動族皆有適合您的方案，提供身故,失能或燒燙傷等意外保障。線上投保意外險,傷害險,單車險,定期意外險\",\n      \"inLanguage\": \"zh-TW\",\n      \"mainEntity\": {\n        \"@type\": \"Product\",\n        \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F#product\"\n      },\n      \"breadcrumb\": {\n        \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002Fbreadcrumb\"\n      },\n      \"keywords\": [\n        \"意外險\",\n        \"傷害險\",\n        \"單車險\",\n        \"定期意外險\",\n        \"意外險推薦\",\n        \"線上投保意外險\",\n        \"意外險保費\",\n        \"意外身故\",\n        \"意外失能\",\n        \"燒燙傷保障\",\n        \"新光人壽意外險\",\n        \"泰安產物意外險\"\n      ],\n      \"mentions\": [\n        { \"@type\": \"Organization\", \"name\": \"新光人壽\", \"url\": \"https:\u002F\u002Fwww.skl.com.tw\u002F\" },\n        { \"@type\": \"Organization\", \"name\": \"泰安產物\", \"url\": \"https:\u002F\u002Fwww.taian.com.tw\u002F\" }\n      ]\n    },\n    {\n      \"@type\": \"Product\",\n      \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F#product\",\n      \"name\": \"【意外傷害險】小資專屬百萬意外保障，年繳632元起｜易安網\",\n      \"description\": \"集合多元意外險方案，小資族、出差旅遊族、單車衝浪運動族皆有適合您的方案，提供身故,失能或燒燙傷等意外保障。線上投保意外險,傷害險,單車險,定期意外險\",\n      \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F\",\n      \"image\": \"https:\u002F\u002Fwww.einsure.com.tw\u002F_ipx\u002Fw_280\u002Fproduct\u002Faccident\u002FsituationImg.webp\",\n      \"brand\": {\n        \"@type\": \"Brand\",\n        \"name\": \"易安網\",\n        \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\"\n      },\n      \"category\": \"Insurance\",\n      \"additionalType\": \"https:\u002F\u002Fschema.org\u002FInsuranceProduct\",\n      \"offers\": {\n        \"@type\": \"AggregateOffer\",\n        \"lowPrice\": 813,\n        \"highPrice\": 2840,\n        \"priceCurrency\": \"TWD\",\n        \"offerCount\": 2, \n        \"url\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F\",\n        \"availability\": \"https:\u002F\u002Fschema.org\u002FInStock\",\n        \"areaServed\": \"TW\"\n      },\n      \"audience\": {\n        \"@type\": \"Audience\",\n        \"audienceType\": \"individuals\",\n        \"geographicArea\": \"TW\",\n        \"description\": \"所有尋求意外保障的個人\"\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險是什麼？意外的定義為何？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"意外的定義指非由疾病引起之外來突發事故；意外險\u002F傷害險保障如交通事故、跌倒等，導致之身體傷害或死亡。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的理賠範圍有哪些？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"主要理賠意外身故、意外失能，部分保單涵蓋每月失能生活照護保險金、重大燒燙傷。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的骨折未住院有理賠嗎？理賠條件是什麼？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"部分保單提供骨折未住院理賠，理賠條件依骨折程度、保單條款而定。投保前應詳細閱讀條款，了解是否有此項保障。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的保費如何計算？影響因素有哪些？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"意外險保費依職業風險、保額、保障範圍計算。高風險職業、高保額者，保費相對較高。保險公司透過精算評估風險，訂定合理保費。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的保額應如何規劃？多少保額才足夠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"保額規劃應考量家庭責任、醫療需求、經濟能力。身故保額建議為年收入數倍，失能保額應足以支應生活費，醫療保險金則應足夠支付醫療費用。一般來說，意外險保額建議至少200萬-300萬元。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的職業類別如何影響保費？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"職業分成不同風險等級(1~6級)，高風險職業如營造工人，保費較高；低風險職業如內勤人員，保費較低。職業類別是評估風險的重要因素。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險是否理賠運動傷害？哪些情況不賠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"符合意外定義的運動傷害可理賠，如打球扭傷。但因疾病引起、高風險運動、故意行為導致的傷害，則不在理賠範圍內。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的理賠流程為何？需要準備哪些文件？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"發生意外後，通知保險公司，準備理賠申請書、失能診斷書、醫療診斷書、醫療費用收據等文件。文件齊全後送交保險公司，若資料正確，15日內即可獲得理賠。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的失能給付如何計算？失能等級如何影響理賠金額？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"失能將依失能等級表比例給付保險金，等級越重賠越多。失能等級分為1至11級，1級最嚴重。保險公司會根據等級，按比例計算理賠金額。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的保證續保是什麼？有保證續保比較好嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"保證續保指保險公司不得拒絕續保，即使曾經申請理賠過。有保證續保，保障更穩定，避免因健康狀況變化而失去保障。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的實支實付是什麼？與定額給付有何不同？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"實支實付依收據金額理賠，定額給付則按照固定的金額理賠。實支實付特色是較能補償實際支出，定額給付特色則是給付通常只需要提供診斷證明等較為簡單的文件，不需要檢附詳細的醫療費用收據，並且理賠金可以用於彌補收入中斷的損失。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險與醫療險有何區別？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"意外險針對「意外」事故提供保障，醫療險則保障因「疾病或意外」產生的醫療費用。意外險強調事故的外來、突發性，醫療險則著重於住院期間的醫療花費。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"意外險\u002F傷害險的重大燒燙傷如何理賠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"符合保單定義的重大燒燙傷，依約定金額給付。重大燒燙傷通常指二度燒燙傷達一定面積，或三度燒燙傷。\"\n          }\n        }\n      ]\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002Fbreadcrumb\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"首頁\",\n          \"item\": \"https:\u002F\u002Fwww.einsure.com.tw\u002F\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"意外險\",\n          \"item\": \"https:\u002F\u002Fwww.einsure.com.tw\u002Fproduct\u002Faccident\u002F\"\n        }\n      ]\n    }\n  ]\n}"]