Travel insurance coverage on illnesses during your trip

Estimated reading time 3 minutes
21 Jan 2020
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21 Jan 2020

Estimated reading time 3 minutes

香港人愛旅行,每逢假期都外遊,旅行前投保旅遊保險,以數百元為行程買個安心,大家都十分樂意。當選購旅遊保險時,不少人著重飛機延誤的保障,若不幸得到約幾百元的賠償,就剛好抵銷保費。其實,旅遊保險又點止飛機延誤咁簡單,它更包含醫療、意外、財物損失等多個保障元素,尤其對於旅程中突發事情,旅遊保險的保障及受保人的應對,更值得大家留著。10Life今次會分析,旅行中因病入院,延誤返港,旅遊保險的保障。

旅途中醫療及回程後覆診 都有得保
旅遊保險的醫療保障,適用於受保人旅行中患病的開支,門診及住院同受保障,受保人需在旅行當地求醫,才符合索償要求。不過,保障只限於「旅途中」開始的疾病,如果於出發前已病發的疾病,則不受保。如果受保人在當地因病住院,留醫時間超出旅遊保險預設的旅程日期,「超時」的醫療費用、回港後(一般是3個月內)覆診的開支,亦可受保。另外,有些旅遊保險會提供入院保證金的保障,即向醫院預繳按金,以便安排住院;亦有保單會繳付海外住院現金,按住院日數賠償。

為方便往後索償,受保人應於旅遊當地致電保險公司的客戶服務、及緊急支援熱線,告知您的情況(除非受保人病況非常危急、處於不能控制的情況);又或者通知保險顧問(如有),幫您與這些部門及早跟進。

緊急支援服務 惠及親友、子女
當受保人住院時,隨行未成年的子女可能無人照顧,需緊急回港。有些旅遊保險,可安排一名服務員陪伴兒童返回香港,亦有些旅遊保險,會支付由一名成年直系親屬,照顧及陪同有關未成年人士返港。

除了同行子女外,患病的受保人本身亦可能需要親友照顧。不少旅遊保險都提供親友或直系親屬探病、或同行夥伴之合理住宿及交通費用的保障,但保單條款會寫明,受保人需住院滿指定日期,如連續住院3日、至10日,方可使用此保障。

若然受保人因病入院,不能乘坐原來預訂的飛機返港,而需重訂另一航班,部分旅遊保險亦會承擔重訂交通的開支。出院前,受保人記得向醫院索取住院、診斷及出院證明,為理賠做好準備。

不論是護送未成年的子女回港、親友或同行探病、或受保人重訂交通等安排,受保人、或其保險顧問(如有)一般都要預先聯絡緊急支援,獲得允許再作安排。順帶一提,緊急支援通常是第三方的服務提供者,並非保險公司的內部部門。筆者亦聽過一些個案,受保人周旋於緊急支援及保險公司的客戶服務部之間,雙方協調欠奉,令索償倍添難度。面對這情況,受保人可因應條款,據理力爭,若遇到不合理的拒賠,更應向保險投訴局投訴。



旅遊保險不保Babymoon的醫療開支
現時不少夫婦都在懷孕趁BB未出世時外遊,但是,多數旅遊保險都不保懷孕或分娩有關的疾病。如果打算Babymoon,孕婦可選擇在孕期中段、身體狀況較佳時、計劃舒適輕鬆的行程,自己將風險減低。

本文提及的因病入院,所謂的「病」都必須符合「醫療需要」,一般旅遊保險的醫療保障並不適用於整容手術、非急需手術、私家看護、採購或使用儀器或裝置、入住私家病房等的開支,投保人要了解保單的不保事項,避免失預算。

如閣下對旅遊保險有任何疑問,可於10Life網站或App內「匿名問問題」,即時得到多個持牌顧問的回覆。 

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