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      \"name\": \"線上投保一定要本人嗎？可以幫別人保嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"可以幫別人保，但看您選的是「哪一種投保對象」。\\n\\n依照您在易安網勾選的投保對象，主要分為以下兩種模式：\\n● 選【自己保(線上)】：限本人投保，須年滿18歲，且使用本人的信用卡或金融卡扣款。\\n● 選【自己+家人】或【幫家人保】：要保人須年滿 18 歲，可以幫父母、配偶或子女投保，被保險人的簽名同意規定將依年齡區分：\\n　○ 滿 18 歲：被保險人須親自簽名同意。\\n　○ 滿 7 歲～未滿 18 歲：子女本人與父母（或監護人）皆須共同簽名同意。\\n　○ 未滿 7 歲：由父母（或監護人）代為簽名即可。\\n\\n(註：各家保險公司開放幫家人線上投保的「險種」與「驗證流程」可能略有不同，投保前請以該保險公司官網說明為準。)\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"可以一次幫全家人投保嗎？「多人投保」有什麼限制？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"一家人或同行的朋友，可以使用「多人投保(投保對象選「自己+家人」)」一次完成，不必分開買。要注意的是，同一張訂單的被保險人必須是同一趟行程的同行者；如果行程不同，請分開投保。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"幫小孩投保旅平險要注意什麼？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"依《保險法》規定，未滿 15 歲的被保險人不給付身故保險金，只能獲得喪葬給付。不過家長們不用擔心，小朋友的「傷害醫療」、「失能」與「海外突發疾病醫療」保障完全不受影響。因此，在幫孩子挑選旅平險方案時，建議直接將重點放在「醫療與失能的保障額度」，確保小朋友在旅途中若不慎受傷或突發疾病，能獲得最實用且充足的醫療防護。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"為什麼有些國家無法投保旅平險？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"外交部列為「紅色旅遊警示」的國家或地區，產險公司通常會拒絕承保。\\n建議您可先至外交部領事事務局查詢紅色旅遊警示國家：\\nhttps:\u002F\u002Fwww.boca.gov.tw\u002Fsp-trwa-list-1.html\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"可以只保旅遊不便險嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"旅遊不便險屬於附加險性質，必須附掛在「旅遊平安險」主約之下，無法單獨購買，敬請見諒。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"旅遊不便險的理賠金額上限是多少？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"旅遊不便險常見項目的理賠上限如下：\\n● 班機延誤：單次上限新臺幣 6,000 元；若依延誤時數累加，最高新臺幣12,000元\\n● 行李延誤：最高新臺幣 6,000 元\\n● 行李損失：最高新臺幣 6,000 元\\n● 旅行文件損失：最高新臺幣 3,000 元\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"同一趟旅程可以買兩張旅遊不便險嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"同一趟行程中，旅遊不便險最多只能投保 2 張，且必須由不同的保險公司承保（一家公司限保 1 張）。如果重複投保超過 2 張，多保的部分在理賠時可能會產生爭議。因此投保前，建議先確認手上有沒有其他已經生效的旅遊不便險。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"班機延誤怎麼算？幾小時才賠、最多賠幾次？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"延誤達 4 小時以上才符合理賠條件，相關規範如下：\\n● 時數計算方式：從「原訂預定出發時間」起算，算至「實際起飛時間」或「替代航班起飛時間」為止。若因同一事件連續導致延誤、取消或錯過轉機，時數可合併計算。（例如：第一班延誤 2 小時導致錯過轉機，在機場等替代班機又花了 2 小時，累計4 小時即符合條件。）\\n● 給付次數：保險期間內最多給付 2 次。若為同一事故衍生出的連續延誤（如：延誤導致錯過轉機），整段過程視為單一事故，僅理賠 1 次。\\n● 適用航班：限一般「定期航班」，包含廉航、加班機與一般旅行社包機；企業或私人包機、活動包機或政府救援專機則不包含在內。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"原本的航班取消了，改搭替代班機有什麼限制？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"原則上必須搭乘航空公司所安排的「第一班替代交通工具」，除非被保險人因不可抗力因素（如受困機場、天災阻斷）導致無法搭乘，則不在此限。若航空公司未安排，而由旅客自行安排替代航班，必須符合以下兩點限制才能申請班機延誤理賠：\\n● 時間限制：替代班機必須在保險期間內訂妥。但如果是回臺灣的班機延誤，則不受此時間限制。\\n● 地點限制：替代航班的最終目的地必須與原班機相同。若只是轉機地點變更、最終抵達的目的地未變，則不受此限。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"哪些情況班機延誤不賠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"以下幾種常見情況都不在班機延誤的理賠範圍：\\n● 搭乘郵輪或小三通船班：班機延誤只保障「飛機」（定期航班），郵輪與船班等水上交通工具不適用。\\n● 班機取消後直接回家、不繼續行程：延誤險的理賠前提是「有搭乘替代航班」。若直接取消行程回家，因未搭乘替代工具，無法理賠。\\n● 投保時已發布海上颱風警報：若在中央氣象署已發布海上颱風警報後才投保，該颱風所導致的班機延誤或取消，屬於不保事項。\\n● 替代航班延誤未滿 4 小時：不論原班機如何變動，替代交通工具的「實際出發時間」必須比原訂航班的「預定出發時間」晚 4 小時（含）以上，才符合理賠門檻。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"罷工造成班機取消或延誤有理賠嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"有，但必須符合以下條件才能理賠：\\n\\n一、罷工對象與延誤時數：\\n罷工對象必須是您預定搭乘的航空公司受僱人（如機師、空服員），或是機場的地勤與運務人員。且該罷工造成班機延誤或取消，導致替代交通工具出發時間落後原航班達 4 小時（含）以上。\\n\\n二、關鍵「投保時間點」：\\n必須在罷工進入下列任何一個階段之前完成投保，否則該次罷工所造成的延誤或取消屬於「不保事項」：\\n● 工會已投票通過並「取得合法罷工權」（即使尚未宣布哪一天要罷工）\\n● 已經「預告罷工期間」\\n● 已經「正式宣布罷工」\\n\\n簡單來說，只要新聞報導工會「取得罷工權」或「準備罷工」，這時候才投保就來不及了。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"什麼情況可以申請旅程取消？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"必須在預定海外旅程開始前 20 天內至旅程開始時，因下列其中一種突發狀況而必須取消全部行程，才能針對無法退還的預付團費、機票／交通、住宿及票券費用申請理賠：\\n● 本人或親屬突發狀況：您本人、配偶或三親等內親屬死亡或病危。\\n● 必須出庭作證：您必須在中華民國境內擔任訴訟證人。\\n● 交通業者罷工：預定搭乘的航空公司／交通業者員工、機場地勤或運務人員罷工，導致班次取消或延誤達 24 小時（含）以上。\\n● 目的地動盪：預定前往的目的地發生暴動。\\n● 家中遭遇重大天災：您在中華民國境內的住居所因火災、洪水、地震或颱風等天災受損，且建築物與屋內財物損失金額合計超過新臺幣 25 萬元。\\n\\n※ 註 1：三親等內親屬包含父母、子女、兄弟姊妹、祖父母、孫子女、曾祖父母、曾孫子女、伯叔姑姨舅、姪子女與外甥（女）等。\\n※ 註 2：理賠範圍僅限被保險人本人的費用；同行者的費用需由各自的保單申請。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"哪些情況旅程取消不賠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"旅程取消主要看三件事：事故發生的時間、發生在誰身上、嚴重到什麼程度。以下是最常見不賠的情況：\\n● 時間不符：事故必須發生在「出發前 20 天之內（含出發當天）」。例如家人若是更早之前（出發前 21 天以上）就過世或病危，就不符合此項目的理賠範圍。\\n● 對象不符：承保的關係對象僅限被保險人本人、配偶或三親等內親屬。如果是寵物生病、男女朋友、或是未登記的未婚夫／妻遇到突發狀況而取消行程，皆無法理賠。\\n● 嚴重程度不符：單純生病、一般受傷住院，或純粹因個人考量不出國，都不算。不論是被保險人本人或親屬，都必須達到「死亡」或經醫師診斷為「病危」（例如醫院開立病危通知書）的程度，才符合理賠要件。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"已經出國了才要取消後面行程，算旅程取消嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"這種情況不屬於旅程取消。旅程取消保障的是「還沒出發」就必須取消全部行程的情況。一旦完成出境、實際開始海外旅行，後續行程有變動就不在這個項目的範圍內。不過如果是因為天災、罷工、親屬病危等特定事故被迫更改行程，因而多支出的交通或住宿費用，可以看看是否符合「旅程更改」的理賠條件。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"什麼情況算「旅程更改」？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"當在海外旅行期間，因下列特定事故導致必須更改預定行程，進而產生額外增加的交通或住宿費用時，即可申請理賠：\\n● 親屬突發狀況：居住於中華民國境內的配偶或三親等內親屬死亡或病危。\\n● 交通或機場罷工：預定搭乘的公共交通工具業者員工（如機師、空服員）或機場地勤、運務人員發生罷工。\\n● 海外天災或戰亂：海外所處地點或預定前往的目的地發生天災、戰爭、暴動或民眾騷擾。\\n● 旅行文件遺失：本次旅程所使用的護照或其他旅行文件被偷、被搶、被劫或不慎遺失。\\n● 交通工具重大意外：搭乘的火車、飛機、輪船，或本次旅程中所租借、自行駕駛的汽車（海外自駕車禍）發生沉沒、碰撞、翻覆、出軌、墜落、爆炸或火災等意外事故。\\n\\n※ 註：被保險人本人在海外生病不屬於旅程更改的範圍，這部分請查看旅平險的「海外突發疾病醫療」保障。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"旅程更改的費用怎麼賠？飯店、計程車、伙食費都有賠嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"賠的是「額外增加」的交通費或住宿費；伙食費、餐飲費等日常支出不在理賠範圍。\\n\\n計算五大原則：\\n● 扣除退款補償：以實際支出金額，扣除航空公司、旅館或旅行社已退還的金額。若業者提供餐券、住宿券、接駁等非現金補償，同樣視為已補償，需一併扣除。\\n● 有單據上限：能提供原預定費用證明時，理賠金額最高為原預定交通費用或每日住宿費用的 120%（亦即原費用再增加 20%）。\\n● 無單據上限：若無法提出原預繳費用或退款證明，交通與住宿費用合計每人每日最高理賠新臺幣 2,000 元。\\n● 限本人費用：理賠範圍僅限被保險人本人的開銷。若單據包含多人費用，會依人數比例計算。\\n● 總額限制：給付總額以保單所載的「旅程更改保險金額」為限。\\n\\n範例一：新增 A 飯店住宿費 $2,800，原訂 B 飯店預訂費用 $1,500，可退費 $500。\\n實際新增費用：$2,800 －退款 $500 ＝ $2,300；最高給付：$1,500×120% ＝ $1,800。\\n實際新增金額超過上限，故賠付 $1,800。\\n\\n範例二：因大雪滯留當地多一日，新增 A 飯店住宿費 $2,800，無原訂飯店。\\n無原預繳費用，適用每日交通及住宿費用合計新臺幣 2,000 元上限，故賠付 $2,000。\\n\\n範例三：新增 A 飯店住宿費 $2,800，原訂 B 飯店預訂費用 $1,500，不可退費且有無法退款之證明。\\n$2,800 －退款 $0 ＝ $2,800；最高給付：$1,500×120% ＝ $1,800，故賠付 $1,800。\\n\\n範例四：新增 A 飯店住宿費 $2,800，原訂 B 飯店預訂費用 $2,500，不可退費且沒有相關證明。\\n無退款相關證明，適用每日交通及住宿費用合計新臺幣 2,000 元上限，故賠付 $2,000。\\n（若備妥無法退款之證明，上限為 $2,500×120% ＝ $3,000，可賠付 $2,800。）\\n\\n（以上金額均為新臺幣。實際理賠金額以保單所載旅程更改保險金額及各保險公司理賠審核為準。）\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"因為颱風、天災滯留當地，多花的住宿、機票與交通費可以理賠嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"可以，但三類費用的計算方式各不相同：\\n● 住宿費：以原訂旅程「最後一晚」的住宿單據金額為基準，增加 20% 作為滯留期間「每日」的理賠上限。\\n● 機票費：以實際另外購買返程機票的費用，扣除原機票已退款的金額為準；理賠上限為「原返程機票費用增加 20%」。\\n● 交通費：若原本已有預訂（如機場接送或車票），以原費用增加 20% 為上限；若原本沒有預訂，滯留期間額外產生的必要交通費，與住宿費合計每人每日最高理賠上限為新臺幣 2,000 元。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"收到航空公司「預防性取消航班」通知，提前返國的改票費賠嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"可以申請，這適用「旅程更改」的保障項目；前提是取消原因屬於天災等承保事故。\\n\\n這是為了協助您在天災來臨或航班正式取消前，能提早調整行程安全返台。理賠金額是以事後實際支出的新機票費用，扣除原機票已退還的金額來計算損失，理賠上限為「原返程機票費用加 20%」。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"哪些情況旅程更改不會理賠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"兩種最常見的情況不在理賠範圍：\\n● 在臺灣機場因颱風飛不出去，要在機場附近住一晚：「旅程更改」只保障完成出境查驗手續、離開證照查驗櫃台之後的海外旅行期間。只要您人還在國內(未出境)，即使已經到機場，因天災導致滯留而增加的國內住宿或交通費用，皆屬於不保事項。\\n● 受困 A 地無法抵達 B 地，導致 B 地預付的飯店和車票被沒收了：「旅程更改」補償的是因為突發狀況，導致您「多花」的額外費用（例如被迫滯留 A 地多住一晚的花費）。至於您原本就已經付給 B 地、但因為去不成而被沒收的錢，由於不是旅途中「新產生的額外開銷」，所以無法在這個項目申請理賠。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"抵達後領不到行李，要等多久可以申請行李延誤？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"隨行託運並取得「託運行李領取單」的個人行李，在抵達最終目的地滿 6 小時（含）以上仍未領得，即可申請定額理賠。\\n● 給付次數上限：整趟海外旅行的保險期間內，行李延誤最高以給付 2 次為限。\\n● 返國（或返回居住所）不理賠：行李延誤險補償的是您在國外缺乏換洗衣物與日用品的不便。因此，返台航班發生的行李延誤屬於不保事項，無法申請理賠。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"因轉接班機失接，滯留於轉機國家，由於不能提領行李，臨時買的日用品可以申請嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"行李延誤理賠必須是抵達「最終旅遊目的地」滿 6 小時（含）以上仍未領得才符合條件。由於轉機地點並非最終目的地，因此無法申請行李延誤保險。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"行李在海外被偷可以申請理賠嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"可以申請理賠，但必須在發現被偷的「24 小時內」向當地警方報案。\\n\\n在海外旅行期間，放在行李箱、手提袋或類似容器內的個人物品，因竊盜、強盜或搶奪而遭受損失，可申請「行李損失保險」，保險期間內最高以給付 2 次為限。\\n\\n要特別注意兩件事：\\n第一、理賠的前提是物品當時放在行李箱或類似容器內，如果是錢包從口袋被扒走、手機放在桌上被拿走，這類物品不在容器內的情況無法申請。\\n第二、您必須在事故發生後 24 小時內向當地警政單位報案，並取得正式的報案證明；沒有這張報案單，將無法申請理賠。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"託運行李被航空公司弄丟了，行李損失會理賠嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"可以申請理賠。只要是隨行託運、且領有「託運行李領取單」的個人行李，因航空公司處理失當導致遺失或毀損，即可申請「行李損失保險」。\\n● 申請時需提供：航空公司開立的事故與損失證明（如 PIR 證明）、行李託運單據。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"航空公司把我的行李箱摔壞了，保險會賠我一個新箱子嗎？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"旅遊不便險中的「行李損失保險」，保障的對象僅限於放在行李箱「內」的個人財物損失，行李箱等容器本體損壞屬於特別不保事項。行李箱本體若在託運過程中損壞，請直接向航空公司申訴求償。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"發生事故後，如何申請理賠？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"請於易安網客服上班服務時間 17:00 前，來電或來信索取理賠申請書，後續文件與進度都由客服為您協助。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"保單要取消、改生效日或延長天數，怎麼辦？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"這三種都屬於保單批改，流程相同，請在保單生效前 1 個工作天，於上班服務時間內來電或來信與易安網客服聯繫，索取批改申請書並完成手續。\\n\\n取消保單、更改生效日期、延長保險天數都請在保單生效前辦理；實際可延長的天數依商品規定。\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"可以指定誰為受益人？\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"依目前「保險業辦理電子商務應注意事項」的規定，網路投保之身故保險金受益人以指定直系血親（父母、子女、祖父母、孫子女）、配偶或法定繼承人為限；傷害醫療保險金、海外突發疾病醫療保險金之受益人為被保險人本人。\"\n          }\n        }\n      ]\n    }\n  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