Terms of Provision of Operating E-Commerce Website

Article 1. Rights and Obligations of the Parties
1.1. Rights and Obligations of the Customer
Customer's Rights
  • To be provided by MSIG with complete, accurate, and up-to-date information on insurance products, including but not limited to insurance benefits, insurance premiums, insurance rules, terms and conditions, and other information necessary for the conclusion of an Insurance Contract.
  • To request insurance coverage through the Application after having carefully read and fully understood the information on the insurance products provided by MSIG.
  • To receive evidence of the conclusion of the Insurance Contract through the registered email address or account.
  • To have comments, requests, or complaints relating to insurance products and services provided via the online environment handled and resolved.
Customer's Obligations
  • To provide and declare fully, truthfully, and accurately all information required by MSIG for the purpose of entering into the Insurance Contract, making payments, and processing claims.
  • To maintain the confidentiality and security of the account, username, password, authentication code, biometric identifiers, telephone number, email address, and other means used for the conclusion and performance of the Insurance Contract with MSIG; to ensure that such information and assets are not used by unauthorized third parties; and to promptly notify MSIG upon discovering any disclosure or unauthorized use thereof.
  • To promptly update MSIG of any changes to the registered email address, telephone number, or contact information.
  • To promptly notify MSIG if the Insurance Contract is not received.
  • To comply with applicable laws, the operating conditions, and transaction conditions of the Application; and not to use the Application for any unlawful purposes or activities.
1.2. Rights and Obligations of MSIG
MSIG's Rights
  • To require customers to provide documents and supporting evidence, including original documents where necessary, for the purposes of information verification, claims handling, dispute resolution, compliance control, or as required by competent authorities.
  • To engage third-party service providers to support claims handling and other related services.
  • To select an appropriate contract authentication method in accordance with applicable laws and regulations.
MSIG's Obligations
  • To provide complete, accurate, and up-to-date information on insurance products and to implement necessary measures to mitigate risks arising from the provision of insurance products through the online environment.
  • To receive, process, and respond to customers' feedback, requests, and complaints.
  • To be responsible for claim settlement decisions in accordance with the terms and conditions of the Insurance Contract.
Article 2. Pricing Policy

The insurance premium quoted by MSIG is provided at the quotation stage based on the insurance package and insurance benefits selected by the Customer through the Application at the time of the transaction.

Article 3. Conditions or Restrictions on the Provision of Goods or Services

The provision of insurance products through the online environment may be subject to the following conditions and limitations:

  • The provision of insurance products through the online environment shall be subject to the participation period, effective timing, and other time-related limitations as specified in the terms, conditions, and provisions of the relevant insurance product.
  • The geographical scope of the insurance products shall be determined in accordance with the territorial scope, geographical areas, and any limitations specified in the terms, conditions, and provisions of the relevant insurance product.
  • The Policyholder and the Insured Person must satisfy the age, residency, and other eligibility requirements specified in the terms, conditions, and provisions of the relevant insurance product.
  • The provision of insurance products through the online environment may be interrupted or temporarily suspended due to system maintenance, system upgrades, technical failures, force majeure events, or other circumstances as provided by law.
  • Insurance exclusions and limitations of coverage shall apply in accordance with the terms, conditions, and provisions of the relevant insurance product.
Article 4. Payment Policy

Payments related to insurance products and services provided through the online environment may be made using electronic payment methods in accordance with applicable laws and regulations.

For each insurance product, MSIG will provide appropriate payment methods for the Customer to choose from.

The Customer is responsible for providing complete and accurate information required for the payment process.

MSIG shall not be liable for any issues arising from inaccurate information provided by the Customer or from failures or errors of payment systems operated by third-party service providers.

Article 5. Delivery Policy

The Insurance Contract is concluded electronically and confirmed through methods permitted by applicable laws and regulations, including electronic confirmation, email, text message, or other legally recognized authentication methods.

The Insurance Contract or Insurance Certificate shall be delivered to the Customer electronically via the registered email address or account.

Article 6. Service Delivery Policy

MSIG provides insurance services through the online environment using electronic transaction methods.

Activities relating to the conclusion of Insurance Contracts, exchange of information, submission of claim documents, claims handling, and related notifications may be carried out through websites, applications, or other electronic channels implemented by MSIG.

Article 7. Service Termination and Refund Policy

Where the information provided by the Customer is incomplete, inaccurate, invalid, or does not satisfy the conditions and requirements specified in the terms, conditions, and provisions of the relevant insurance product, the Insurance Contract may be terminated, cancelled, or subject to denial of claim settlement in accordance with the Insurance Contract and applicable laws.

The cancellation or termination of the Insurance Contract shall be carried out in accordance with the terms, conditions, and provisions of the relevant insurance product and applicable laws.

Any refund of insurance premiums (if applicable) shall be processed in accordance with the terms and conditions of the relevant insurance product and the applicable insurance business laws and regulations.