富邦旅行不便險理賠心得 - 東京
By Barb Cronin
at 2015-08-08T11:37
at 2015-08-08T11:37
Table of Contents
今年3月初因為大雪的關係,新千歲機場關閉
搭乘的班機原訂13:45起飛,也因此延誤到隔天,因為有加保富邦產險的旅行不便險
所以當下就用line跟我的保險業務員聯絡,並請她延長保險天數
先說重點
所謂延誤六小時以上理賠,
代表著你原訂班機起飛時間六小時以後的單據才能理賠
原訂班機起飛時間六小時以後的單據才能理賠--這很重要要說兩次
我自認當初也稍微有認真看條款,但是條款給我的感覺就是
確定班機會延誤六小時以上就會理賠,我當下也沒有仔細詢問我的業務員
但後來有幾張單據是6小時以前開的 (包括我的晚餐約是在延誤4小時以後)
所以這些富邦是不理賠的
(後來交給元大鑽金卡的刷卡旅行不便險理賠,四小時以後的單據都可理賠,一切順利)
在處理過程中,我有詢問承辦人員
那如果是在6小時以內就check-in並且已經付費的住宿單據是否會理賠?
他的回答是會的
但是如果是交通費的話,就不理賠。
所以如果我當天一處理完機票,以為保險會理賠就搭計程車回市區,那這些錢就要自費了
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另外,承辦人員詢問我是否能將各單據分類,並附上品項的中文翻譯
我有詢問,貴公司這麼大難道沒有辦法自行處理這些單據嗎?
回應是:可以是可以但是要等比較久
我的單據總額約台幣7000多,
包括晚餐-根市花丸壽司 住在機場的飲料零食開支
早午餐-成田二航廈的鰻魚飯 另外還有成田機場入境後的休息室3小時
以及因為到東京轉機時行李已經托運,在Uniqlo買的盥洗衣物和衛生用品等
就理賠品項來說,我在六小時以後的消費全部都有理賠
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最後,如果我下次出國,我會選擇富邦和國泰都保
畢竟如果搭廉航,臨時要換班機或是要住宿較好的飯店,還是只有富邦的5萬賠得起
連國泰也一起保的話,兩個人就多9000的零用金了,還不用去注意什麼合理範圍內消費
--
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