Question 1

決定去旅行？保險該在同一晚辦好

Accepted Answer

機票酒店都是預付成本：颱風、急事或外遊警示令行程取消／中斷時，「行程取消」及「旅程中斷」保障正是彌補這些損失的關鍵。
外地醫療費以十萬計：境外求醫（尤其美國、日本等醫療成本高的地方）住院費用高昂；一般醫療/自願醫保計劃對境外就醫及醫療運送的覆蓋未必全面 — 旅遊保一般涵蓋海外醫療及緊急醫療運送／送返香港。
旅途瑣事事事有價：航班延誤、行李延誤或遺失、證件遺失重辦、個人意外等，均屬旅遊保的常備保障項目。
24 小時緊急援助：在外地突發事故，保險公司的全球支援熱線可協助安排就醫、聯絡及送返安排。
時機是關鍵：旅遊保必須在出行前、且在風險「已知」之前投保 — 局勢或颱風見報後才買，相關損失已被視為已知事件。

重點：機票酒店預付款靠取消保障；外地醫療以十萬計；風險見報前買，才有得賠。

Question 2

Decided to travel? Get insured the same evening

Accepted Answer

Your flights and hotel are prepaid costs: when typhoons, emergencies or travel alerts force a cancellation or curtailment, trip cancellation and curtailment cover is what recovers those losses.
Overseas medical bills run to six figures: treatment abroad (especially in high-cost places like the US or Japan) is expensive; ordinary medical or VHIS plans may not fully cover treatment overseas and medical repatriation — travel policies generally include overseas medical and emergency transport/repatriation to Hong Kong.
Every travel hiccup has a price: flight delays, delayed or lost baggage, lost-documents re-issuance and personal accident are all standard travel cover items.
24-hour assistance: for a sudden incident abroad, the insurer's global support hotline helps arrange treatment, liaison and repatriation.
Timing is everything: buy before departure and before the risk is 'known' — if the news is already out (typhoon, unrest, alert), the resulting losses count as known events.

Question 3

如何揀選適合你的旅遊保？

Accepted Answer

1. 先看保障，再比價錢：折扣不是重點 — 逐項比較醫療、個人意外、行程取消、旅程延誤、行李及財物損失的限額與自付額。
2. 醫療保額要足夠：目的地醫療成本差異極大（美國、日本等地相對昂貴）；醫療及緊急運送限額宜充足。
3. 活動與目的地要對號：滑雪、潛水、行山等高風險活動一般須加購或選專門計劃；戰爭、疫情相關保障視乎個別計劃條款。
4. 單次或全年：一年外遊多次，全年計劃通常更划算；家庭同行可考慮家庭計劃。
5. 一落訂就投保：訂機票當晚即投保，讓「行程取消」保障盡早生效（單次計劃一般由啟程起保）。
保障範圍、限額及不保事項以個別保單條款為準。

重點：比保障不比折扣、醫療保額要足、高風險活動要加購、多次出行用全年計、落訂即投保。

Question 4

How to choose the right travel policy

Accepted Answer

1. Coverage before price: discounts are not the point — compare limits and deductibles item by item: medical, personal accident, trip cancellation, travel delay, baggage and belongings.
2. Enough medical sum: destination medical costs vary enormously (the US and Japan are notably expensive); keep medical and emergency-transport limits ample.
3. Match activities and destination: skiing, diving, hiking and other higher-risk activities usually need add-ons or specialist plans; war/pandemic-related cover depends on individual policy terms.
4. Single trip or annual: if you travel several times a year, an annual multi-trip plan is usually better value; family plans cover the household in one go.
5. Insure when you book: buy the same evening you book your flights so cancellation cover starts as early as possible (single-trip policies generally cover from departure).
Coverage, limits and exclusions are subject to individual policy terms.

Question 5

索償時最常「卡住」的五件事

Accepted Answer

1. 通知與時限：回港後盡快向保險公司索償 — 保單一般設申索期限，逾期可被拒賠。
2. 醫療索償文件：須由當地合資格醫生診治並取診斷證明及正本收據 — 自行買藥一般不獲賠。
3. 財物／證件損失：須在當地報警並保留報告（一般須約 24 小時內報警）；行李延誤或遺失須向航空公司取事故報告（PIR）及延誤證明。
4. 已知事件不賠：投保前已發布的颱風、戰爭或外遊警示屬已知事件 — 相關取消或改期損失一般不保。
5. 黑色警示伸延：投保後香港才發出黑色外遊警示 — 不少保單設取消／縮短行程或現金津貼伸延保障（設限額，以保單為準）；保留所有文件，並盡快通知保險公司。
各項時限、文件要求及限額以個別保單條款為準。

重點：及時申報、醫療須當地醫生、報警取報告、已知事件不賠、黑色警示有伸延。

Question 6

Five things most often stuck in a claim

Accepted Answer

1. Notice and deadlines: claim as soon as you return — policies set a claim window and late claims can be rejected.
2. Medical claim documents: treatment must be by a locally qualified doctor, with diagnosis certificates and original receipts — self-medication is generally not claimable.
3. Losses of belongings/documents: report to local police (usually within about 24 hours) and keep the report; for delayed or lost baggage, obtain the airline's Property Irregularity Report (PIR) and delay confirmation.
4. Known events are not covered: typhoons, wars or travel alerts announced before you bought count as known events — resulting cancellation or re-booking losses are generally not covered.
5. Black-alert extensions: if the Security Bureau issues a Black Outbound Travel Alert after you bought, many policies extend cancellation/curtailment cover or a cash allowance (limits apply, per policy); keep all documents and notify the insurer promptly.
Timelines, document requirements and limits are subject to individual policy terms.

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旅遊保險小百科 — 為何 · 揀保 · 索償

決定去旅行？保險該在同一晚辦好

如何揀選適合你的旅遊保？

索償時最常「卡住」的五件事

需要專人協助或團體外遊保障方案？ Need Group Travel Protection?