出國刷對卡 享「海外全程旅平險」 - 信用卡
By Lydia
at 2017-03-02T17:53
at 2017-03-02T17:53
Table of Contents
內有十家銀行提供全程旅平險卡別的圖表
https://udn.com/news/story/7239/2306135
會來整理這篇是因為過年去泰國燙傷,本來要刷國泰亞洲萬里通買機票,還好後來是刷
黑狗,意外急診有拿到理賠!!!
內文:
連假即將到來,許多民眾規畫出國旅遊,刷卡支付團費或機票有撇步,無論自助旅行或跟
團,刷卡能獲得銀行提供旅遊保障,然而多數卡別僅提供「旅遊不便險」及「公共運輸工
具期間的旅平險」,少數才會提供「海外全程旅平險」,刷卡更應該比較清楚。
多數信用卡刷團費八成或公共交通運輸工具全部票款,就能享有「旅遊不便險」,包含班
機延誤、行李延誤或遺失、行程縮短等突發狀況,預期外的損失在限額內實支實付賠付。
另外,信用卡也會提供「旅遊平安險」,但其實內容並不包含全部旅程,僅有搭乘「公共
運輸工具」期間才有保障,且「公共運輸工具」並不包含郵輪、遊覽車、旅遊地國內的捷
運系統、公車及纜車等,只有搭乘飛機時,才會將起飛與落地前後5小時、飛行中納入承
保範圍,其餘「公共運輸工具」僅在搭乘期間才有保障,因此,像是近期台灣旅客於日本
自駕車禍身亡,就無法獲得理賠。
Money101.com.tw金融產品比較網建議,消費者可挑選提供「海外全程旅平險」的信用卡
,只要刷團費八成或是出發前刷來回機票全額,就能將旅遊全程的意外事故納入保障。
目前國內前十大流通卡數銀行中,多半限定頂級卡、商務卡才享有「海外全程旅平險」,
像是國泰世界卡、無限卡以上卡友享有海外全程意外險1,000萬元保障,不過,並不包含
意外醫療,因此若在國外滑雪摔傷,醫療費用需自行負擔。
中信的航空聯名卡、商務卡、鼎尊卡享有意外險100萬元或1,000萬元以及意外醫療10萬元
或100萬元的保障;玉山、花旗、永豐也鎖定高端客戶,刷商務卡、世界卡、無限卡以及
雙幣卡享「海外全程旅平險」;聯邦則要刷指定卡別,像是聯邦御璽卡、理財白金卡等需
支付年費的信用卡,才有保障。
台新相較起來則親民許多,從御璽卡、鈦金卡到世界卡皆提供「海外全程保障」,包含近
來討論度極高的@GoGo御璽卡也有提供意外險1,000萬元加上意外醫療100萬元。
富邦、遠東、新光則是全卡友都沒有提供「海外全程旅平險」,卡友需自費投保,海外旅
途中發生的意外風險才能轉嫁出去。Money101.com.tw 表示,國外就醫費用高,即使刷卡
有贈送「海外全程旅平險」,但感冒、拉肚子等疾病,並不在承保範圍內,建議應依需求
加強旅遊保障。
--
Tags:
信用卡
All Comments
By Victoria
at 2017-03-04T22:00
at 2017-03-04T22:00
By William
at 2017-03-05T05:40
at 2017-03-05T05:40
By Dora
at 2017-03-09T09:26
at 2017-03-09T09:26
By Elvira
at 2017-03-13T17:42
at 2017-03-13T17:42
By Sierra Rose
at 2017-03-17T04:30
at 2017-03-17T04:30
By Joe
at 2017-03-19T21:20
at 2017-03-19T21:20
By Catherine
at 2017-03-24T05:56
at 2017-03-24T05:56
By Suhail Hany
at 2017-03-25T14:28
at 2017-03-25T14:28
By Odelette
at 2017-03-27T07:25
at 2017-03-27T07:25
By Brianna
at 2017-03-30T05:33
at 2017-03-30T05:33
By Connor
at 2017-03-30T23:45
at 2017-03-30T23:45
By Ida
at 2017-04-03T11:00
at 2017-04-03T11:00
By Margaret
at 2017-04-07T09:23
at 2017-04-07T09:23
By Necoo
at 2017-04-10T02:37
at 2017-04-10T02:37
By Andy
at 2017-04-13T13:01
at 2017-04-13T13:01
By Ethan
at 2017-04-17T02:42
at 2017-04-17T02:42
By Hamiltion
at 2017-04-18T23:42
at 2017-04-18T23:42
By Tristan Cohan
at 2017-04-21T10:01
at 2017-04-21T10:01
By Madame
at 2017-04-24T11:46
at 2017-04-24T11:46
By Queena
at 2017-04-27T22:23
at 2017-04-27T22:23
By Candice
at 2017-05-01T20:36
at 2017-05-01T20:36
By Vanessa
at 2017-05-03T02:13
at 2017-05-03T02:13
By Enid
at 2017-05-03T16:03
at 2017-05-03T16:03
By Dorothy
at 2017-05-06T00:43
at 2017-05-06T00:43
By Franklin
at 2017-05-06T20:45
at 2017-05-06T20:45
By Edith
at 2017-05-08T09:49
at 2017-05-08T09:49
By Robert
at 2017-05-11T11:31
at 2017-05-11T11:31
By Anthony
at 2017-05-15T22:29
at 2017-05-15T22:29
By Jacob
at 2017-05-17T04:22
at 2017-05-17T04:22
By Sarah
at 2017-05-20T14:03
at 2017-05-20T14:03
By Harry
at 2017-05-25T07:05
at 2017-05-25T07:05
By Selena
at 2017-05-27T08:15
at 2017-05-27T08:15
By Susan
at 2017-05-29T19:44
at 2017-05-29T19:44
By Ophelia
at 2017-06-01T13:15
at 2017-06-01T13:15
By Kumar
at 2017-06-02T00:56
at 2017-06-02T00:56
By Emma
at 2017-06-02T06:09
at 2017-06-02T06:09
By Mason
at 2017-06-06T22:01
at 2017-06-06T22:01
By Regina
at 2017-06-07T17:20
at 2017-06-07T17:20
Related Posts
@gogo認歐付寶 不認allPay
By Belly
at 2017-03-02T16:41
at 2017-03-02T16:41
淺談哩程/里程(2) -- 哩程vs現金 dochi
By Jacob
at 2017-03-02T16:21
at 2017-03-02T16:21
訂房網(agoda,expedia)刷卡問題
By Yedda
at 2017-03-02T16:18
at 2017-03-02T16:18
機場接送與貴賓室的選擇
By Zora
at 2017-03-02T15:16
at 2017-03-02T15:16
LINE Pay合作商家總覽
By Lucy
at 2017-03-02T14:59
at 2017-03-02T14:59