國泰旅遊不便險豪華型 - 旅遊
By Genevieve
at 2020-02-29T15:41
at 2020-02-29T15:41
Table of Contents
我剛剛也有進線問過客服,整理一下大家會有的疑問
先參考國泰不便險的線上說明(蠻完整的)
https://tinyurl.com/r37ef84
▲疫區定義
外交部領事事務局旅遊警示橙色
或 (兩者達成其一的意思)
衛生褔利部疾病管制署旅遊疫情建議等級第三級
外交部旅遊警示
https://www.boca.gov.tw/sp-trwa-list-1.html
2/29查詢:日本黃色 / 北海道橙色,北海道現在加保也不能針對疫區進行理賠
國際旅遊疫情建議等級表
https://www.cdc.gov.tw/CountryEpidLevel/Index/NlUwZUNvckRWQ09CbDJkRVFjaExjUT09
2/29查詢:日本二級
▲航空公司取消班機
不管是不是疫區,航空公司取消班機且未安排替代班機的情況
可以走班機延誤保險理賠,看線上說明五
來回班機都要看是否取消,取消的單程定額最高18000
不要退保,兩年內飛同一個目的地機場
不用同一個航空公司,不用相同天數,看相同目的地機場
於購票完成下次行程後,進行班機延誤保險理賠申請
不用延長保險時間
但取消班機有安排替代班機,你不搭的話不賠班機延誤
▲宣布是疫區可是班機沒有取消
可以走旅程取消保險理賠,看線上說明六
不能退、取消會收手續費等,定額賠償機票、住宿各5000
但可以全額退的機票住宿等費用不賠
▲沒有提升成為疫區也沒有取消班機
你考量不想去,自己要取消機票住宿等,不賠
可以在加保時間生效開始之前全額退保
進線退保因最近案件多,請提早兩三天進行
▲宣告疫區時間定義
保單生效時間往前推七天,有宣告成為疫區且疫區維持到保單生效
假設加保時間生效為4/1 00:00
只要在保單生效開始前仍維持疫區,則可針對疫區的理賠進行申請
例:3/30 12:00 宣告成為疫區,則可針對疫區相關進行理賠
但如果在你加保後曾宣告疫區但在你加保生效前解除
例:3/10 宣布成為疫區,但在3/30解除疫區,且未再宣告成為疫區
則無法針對疫區要求理賠
至於判定疫區後申請理賠,但在保單開始日期前疫區解除,原申請是否有效我沒問
只要宣告成為疫區後加保,疫區相關的保險不理賠
加保時間看你線上下單的時間
這是問客服人員的理解,希望能幫到大家,有錯誤也請指正
一切以官方的說明為主喔!
※ 引述《ckck8221 (ckck8221)》之銘言:
: 已爬文
: 稍微整理一下有錯誤麻煩指證
: 國泰被理賠要件就是
: 1,飛機取消[請班機延誤]
: 2,橙色《請旅程取消》
: 3,三級《請旅程取消》
: 以上都可以申請理賠
: 那理賠又可以分成兩種
: 1,橙色跟三級,飛機還沒被取消,且有無法退費的機票飯店
: 那就走「旅程取消費用」,機票定額5000,飯店定額5000,其他實支10000
: 這個理賠應該就比較沒爭議
: 購票證明+其他費用證明付上去就好
: 2,飛機被取消2年內還有空可以去,目的地一樣
: 那就走「班機延誤費用」,單趟定額賠18000,來回36000
: 機票不管有沒有退款,都可以申請
: Q1, 這部分就有個問題在於回程的18000理賠要件是什麼,是宣布疫區視同來回都延誤還
: 是只有單趟?
: A1: 只有被航空公司取消才能用班機延誤
: 宣布疫區自行取消沒有
: 回程要看飛機有沒有被取消
: 然後「班機延誤費用」理賠的條件
: 1.原航班機票
: 2.航班取消證明
: 3.兩年內飛同一個機場之登機證(不用同航空公司,天數不一樣也可以)
: 以上
: 之前有打給過電話
: 客服人員聲音已經沙啞了qq
: 想說整理一下有問題一起問
: 可以幫他減少職業傷害XD
: 有確認的答案會統一拉上來
--
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