2021/4/18  
Credit card payment affords users greater travel insurance (2021/04/08)
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  • 英文 English 
    Credit card payment affords users greater travel insurance (2021/04/08)

    Following last week's tragic rail accident, news has emerged that some passengers on the train are eligible for large insurance payouts. That's because they paid for their tickets with a credit card. Even frequent travelers might not realize that credit card payment affords greater financial protection for a traveler. We spoke to a financial expert to find out more.

    There are more and more ways to pay for train tickets, whether TRA or high speed rail. Most travelers choose cash or credit card. But did you know that with a credit card you get an extra layer of insurance?

    Last week the TRA network suffered its most fatal accident in 50 years. The Financial Supervisory Commission revealed that three passengers on the train paid for their tickets with credit card. That entitles them to travel insurance compensation estimated at over NT$10 million. As this expert explains, credit card companies give customers liability insurance and travel insurance.

    Credit card expert
    I recommend that people pay for tickets for medium or long journeys with credit card, wherever possible. When you apply for a credit card, I recommend applying for the highest grade you can.

    Cards from different banks and at different grades offer different levels of insurance. Validity periods, terms and conditions may vary.

    Credit card expert
    When you get a notice from the bank telling you it's about to expire, get a new one as soon as possible. They usually remind you a month in advance. To avoid any issues, I recommend use the new card according to its validity period.

    Apart from checking validity periods, also take note of which companies, like coach or ferry operators, aren't included in the bank's insurance policy. And if the passenger is not the cardholder, that could also void the insurance. Before taking out a credit card, always check the terms and conditions carefully.

    中文 Chinese  
    太魯閣事件3旅客刷卡買票 旅平險理賠金逾5千萬

    民眾購買台鐵、高鐵等中長途交通票時,大多選擇現金或是信用卡支付,根據金管會統計,4月2號發生的台鐵太魯閣408次列車出軌意外中,有3名乘客因為使用信用卡買票,觸動旅平險保障,預估產險公司理賠總金額超過5000萬元,消息一出,讓不少民眾恍然大悟,原來用信用卡購票,還有這層保障。

    民眾搭乘台鐵、高鐵出遊,購票及支付越來越多元,其中現金及信用卡最常見,但你可能不知道,使用信用卡買票,保障悄悄多一層。

    台鐵發生半世紀以來,最嚴重出軌意外,金管會統計,有3名乘客使用信用卡買票,觸動旅平險保障,預估產險公司理賠總金額超過5000萬元。專家解釋,信用卡購買台鐵、高鐵車票,除了公司會幫忙投保鐵路旅客運送責任保險,多數銀行都會贈送旅平險。

    [[信用卡達人]]
    “我會建議民眾要買中長程,所謂的交通票券的話,盡量都是使用刷卡。一般民眾在申請信用卡的時候,我會建議大家如果可以的話,盡量往更高等級的信用卡去申請。”

    不同家銀行信用卡和級別,旅平險保額就不同,而適用條款、效期,必須留意。

    [[信用卡達人]]
    “如果你收到銀行所謂的到期通知,最好趕快換卡來使用,它通常一個月前就會提醒你。為了避免爭議,我建議以這個新的卡片效期來使用,比較不會有問題。”

    除了注意信用卡效期,像是搭乘國道客運、郵輪等,就不在部分銀行保障範圍內,另外,如果乘客不是持卡人,恐怕也會沒保障。建議民眾辦卡前,注意附加條款,讓自己多一份便利、多一分保障。


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