航班取消 機場癱瘓 旅遊保險有冇得賠?(Chinese Article)

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15 Aug 2019
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15 Aug 2019

Estimated reading time 2 minutes

逃犯條例觸發的抗爭運動持續升溫,不少市民進入香港機場進行大規模示威,機管局曾幾度取消航班,旅客行程亦因而受阻。究竟旅遊保險會否保障因示威引致的「行程延誤」、或者「更改行程」呢? 

一般而言,旅遊保險的「行程延誤」條款表明,當公共交通工具延誤,約6小時或以上,保險公司就會提供現金賠償,大概幾百元,以補償受保人於延誤、等候期間的開支,如滯留機場時的餐飲。


當行程延誤的時間加長,旅客甚至要「更改行程」以前往原定目的地,因而衍生額外的交通工具、住宿開支,亦得到部分旅遊保險的保障。不過,大家要留意旅遊保險對「更改行程」的定義﹕

「更改行程」所涉及的時間延誤較長,一般介乎8至24小時的交通工具延誤、取消

額外的交通工具、住宿開支須合理、不可索回。有些保單會註明,額外住宿費用必須發生在香港境外(或海外)。


另外,消費者亦要留意導致「行程延誤」的原因是否受保。自然天災、惡劣天氣多數受保;至於騷亂、暴亂、罷工、恐怖活動等,各旅遊保險的保障亦有所不同,詳見下表。


至於何為「騷亂」、「暴動」呢?對於普羅市民,這不易理解,例如,Zurich蘇黎世旅遊保險保暴亂(Riot),但不保暴動(Insurrection)。至於這些重要字眼的定義,保險公司可能引用政府對事件的定性、或字典的解釋,這存在爭議的空間。此外,有些保險公司亦要求「取消行程」須發生在目的地的騷亂、暴亂,而非出發地,這亦有可能影響索償結果。

上述資料基於對有關保單條款的詮釋,但索償成功與否仍取決於保險公司的最終決定。對於受影響的受保人或旅客,可先對保險公司索償,若受到不合理拒絕後,亦可再往保險投訴局(ICB)提出投訴。

最後,我們希望提醒讀者,旅遊保險不保「在申請保險時或之前已經存在或宣佈或為公眾所知的任何事件或情況」,言則,如果在申請保險時,有關風險情況已發生,保險公司亦可以此條款拒賠。

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