登山保險與自治條例的疑惑? - 健行

By Kelly
at 2019-07-23T17:37
at 2019-07-23T17:37
Table of Contents
大家好
關於登山險與地方自治條例我有點疑惑,請問以下理解是否正確:
1.地方自治條例規定,不論是否滿足所有規定(領隊、路線、急救證照等等)及保險與否,
只要搜救都可要求費用,其費用上限:
有保險且符合規定,上限為保險金額上限。
不符規定,上限為全額負擔。
2.地方自治條例所要求的費用上限為保險緊急救護金額上限,並非實際保險公司理賠金額
,其金額與保險公司所制定的理賠項目無關
3.多數保險公司的登山險不賠地方政府最在意的直升機油料錢
4.如果不滿足規定(領隊、路線、通訊器材等等),登山險不賠搜尋費用
5.登山險沒有認定到達登山口前的上山途中、下山途中(搭乘大眾運輸、包車、開車
、步行)是否屬於登山活動之中
6.登山險不賠約定下山時間24小時內的搜尋費用,除非失蹤
所以綜合以上:
A) 即使滿足所有規定且投保,只要地方政府要求,還是得付大筆金額?
B) 投保登山險對上下山途中的保障不明,還是得買旅行平安險?
--
關於登山險與地方自治條例我有點疑惑,請問以下理解是否正確:
1.地方自治條例規定,不論是否滿足所有規定(領隊、路線、急救證照等等)及保險與否,
只要搜救都可要求費用,其費用上限:
有保險且符合規定,上限為保險金額上限。
不符規定,上限為全額負擔。
2.地方自治條例所要求的費用上限為保險緊急救護金額上限,並非實際保險公司理賠金額
,其金額與保險公司所制定的理賠項目無關
3.多數保險公司的登山險不賠地方政府最在意的直升機油料錢
4.如果不滿足規定(領隊、路線、通訊器材等等),登山險不賠搜尋費用
5.登山險沒有認定到達登山口前的上山途中、下山途中(搭乘大眾運輸、包車、開車
、步行)是否屬於登山活動之中
6.登山險不賠約定下山時間24小時內的搜尋費用,除非失蹤
所以綜合以上:
A) 即使滿足所有規定且投保,只要地方政府要求,還是得付大筆金額?
B) 投保登山險對上下山途中的保障不明,還是得買旅行平安險?
--
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