Is Travel Insurance Useful?
Listening | English and Chinese scripts are provided below and you can understand the content easier. https://youtube.com/@UpgradeEnglish
I’m planning a weekend trip with my family. Should I buy travel insurance?
Yes, of course. Buying travel insurance is essential even for a short trip. It can provide coverage for unexpected events during travelling.
How is the charge of travel insurance plan?
The charge is calculated based on the destination and duration of travel. Please take note that the charge, namely premium, is not the main consideration when choosing the plan.
What are the other factors during selecting the plan?
You should also check the coverage and maximum claim of the plan. It would be better for you to compare the details of plans offered from several banks or insurance companies.
Should I buy travel insurance during the departure at the airport?
No. You should buy travel insurance after confirming the travel package. Your protection becomes effective starting from the day of travel insurance purchased.
What is the reason of buying travel insurance immediately?
For example, one of the risks of travel is related to trip cancellation. You can be protected well and entitled to receive your money back for the covered benefit.
What are the unexpected events during travelling?
In addition to trip cancellation, delay and interruption, other risks include the unforeseen circumstances caused by medical expenses, dangerous activities, damaged and lost baggage.
If I unfortunately got injury overseas, will the medical expenses cover all of the spending incurred at the hospital?
Not exactly. You should check the terms and conditions of the plan. Number of days in the hospital and daily maximum claim may vary for different plans.
What is the definition of dangerous activity?
It’s defined as high-risk activity e.g. bungee jumping, skiing, parachuting, rafting, diving and hot-air ballooning.
It’s straightforward. As soon as the plan has stated such high-risk activities, I’ll get protected. Correct?
Again, you should check the terms and conditions of the plan and take extra note of the related restrictions e.g. depth and height limit of the activities.
I’ll take my family with self-drive tour. Will the insurance plan provide any protection?
The plan usually covers the claim of rental vehicle. If your rental vehicle is damaged or stolen, you’ll get the protection under certain amount.
It’s a family trip with my parents, what should I take note when selecting the insurance plan?
You may check the maximum claim covering medical expenses and personal accident of each family member because they may vary for the elders.
I found that there were single trip and annual trip cover. How should I select?
It depends on the frequency of your travel within a year. If you travel more than 30 times a year, it may be more justified to consider annual trip cover.
What should I do if I encounter the unexpected events?
Please remember to record the emergency hotline of the bank or insurance company before the trip. You can seek for speedy assistance and advice whenever emergency support is required.
How can I get the quotation for comparison?
Some of the banks or insurance companies provide instant quotation via mobile applications. You can easily compare the quotation by entering the destination, duration and number of insured persons.
WITH CHINESE SCRIPT
我正在計劃和家人一起週末旅行，我是否應購買旅遊保險嗎？
當然應該，即使是短途旅行，購買旅遊保險也是必需的，它可以為旅行中遇到的意外事件提供保障。
旅遊保險計劃的收費如何？
費用根據目的地和旅行日數計算，請注意，費用（即保費）並不是選擇計劃時的主要考慮因素。
選擇計劃時還有哪些其他因素？
您還應該檢查該計劃的承保範圍和最高索賠額，您最好比較幾家銀行或保險公司提供的詳細計劃。
我應該在機場出發時購買旅遊保險嗎？
不應該，您應在確認旅行套票後購買旅遊保險，您的保障從購買旅遊保險之日起生效。
立即購買旅遊保險的原因是什麼？
例如，旅行的風險之一與行程取消有關，對於已覆蓋的保障，您能夠獲得充份的保障及符合獲得退款。
旅行中會發生哪些意外事件？
除了行程取消、延誤和干擾外，其他風險還包括醫療費用、危險活動、行李損壞和遺失等不可預見的情況。
如果我在海外不幸受傷，醫療費用是否可以涵蓋在醫院的全部開支？
不完全是，您應該檢查保險計劃的條款和細則，不同計劃的住院天數和每日最高索賠額可能有所不同。
危險活動的定義是什麼？
這定義為高風險活動，例如笨豬跳、滑雪、跳傘、漂流、潛水和熱氣球。
這是容易理解的，如計劃陳述了此類高風險活動，我就會受到保障，正確嗎？
再次，您應該檢查計劃的條款和細則，並特別注意相關限制，例如活動的深度和高度限制。
我會帶我的家人自駕遊，保險計劃會提供任何保障嗎？
計劃通常涵蓋租賃車輛的索賠，如果您租賃的車輛損壞或被盜，您將獲得一定金額的保障。
我會和父母一起全家出遊，選擇保險計劃時需要注意什麼？
您可以查看每個家庭成員的醫療費用和人身意外的最高索賠額，因為年長人士的限額可能有所不同。
我發現有單次旅程和全年旅程保障，我該如何選擇？
這取決於您一年內旅行的頻率，如果您每年旅行超過 30 次，那麼考慮全年旅程保障可能更划算。
遇到突發事件我怎麼辦？
請記得出行前記錄銀行或保險公司提供的緊急求助電話，每當需要緊急支提供時，您可以尋求快捷的協助和建議。
我怎樣才能獲得報價以進行比較？
部份銀行或保險公司通過手機應用程式提供即時報價，您可以輸入目的地、日數和投保人數目輕鬆比較報價。