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舊 2013-11-12, 23:00   #1
normanski
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註冊日期: 2008-05-21
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Travel Insurance for Winter Sport Holidays.

Hello People,

Just want to hear from people who have had "Bad" & "Good" experience with their Travel Insurance Provider.....

Anyone wants to share their experiences??
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舊 2013-11-13, 06:24   #2
Mike
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作者: normanski 查看文章
Hello People,

Just want to hear from people who have had "Bad" & "Good" experience with their Travel Insurance Provider.....

Anyone wants to share their experiences??
http://www.hkssa.net/showthread.php?t=62174

http://www.hkssa.net/showthread.php?t=52067

http://www.hkssa.net/showthread.php?t=3889
Mike 目前離線   回覆時引用此篇文章
舊 2013-11-13, 08:35   #3
normanski
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Hello Mike,

Thank you for the information.
normanski 目前離線   回覆時引用此篇文章
舊 2013-11-13, 08:58   #4
Mike
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I went skiing in Shiga Kogen with my friends few years ago, one of my friends hurt his knee after couple of days. He called his HSBC agent, his insurance ended up upgrading his return flight to Business Class and offered to send a qualified nurse out to accompany him (he declined the offer).
Mike 目前離線   回覆時引用此篇文章
舊 2013-11-13, 15:45   #5
normanski
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註冊日期: 2008-05-21
文章: 33
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Hello Mike,

That's a great story. The problem with Travel insurance is that you never know how good they are until you need them, or make a claim. We have been using Zunich Insurance via Tonichi for the past 3-4 years. Fortunately(Touch wood!), we've never had to make a claim. So we don't know how good they are really!!!
normanski 目前離線   回覆時引用此篇文章
舊 2013-11-13, 16:26   #6
Ryann
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註冊日期: 2008-05-03
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如果你的旅程主要是參與運動項目,例如滑雪、單車或馬拉松,就要注意旅遊保險醫療承保範圍。
有些保險公司醫療承保最高限額HK$500,000或以上,但回港後3個月內覆診之醫療費用只有HK$100,000或以下。

例子:
英國保誠保險 醫療費用最高限額HK$1,200,000 回港後3個月內覆診之醫療費用HK$50,000
http://www.prudential.com.hk/PruServ...p&matCatId=201#

藍十字 醫療費用最高限額HK$1,200,000 回港後3個月內覆診之醫療費用HK$120,000
http://www.bluecross.com.hk/ch/trave...planshighlight

DBS星展銀行 醫療費用最高限額HK$600,000 回港後3個月內覆診之醫療費用HK$50,000
http://www.dbs.com.hk/zh/consumer/insurance/travel/#1

豐隆保險 醫療費用最高限額HK$1,000,000 回港後3個月內覆診之醫療費用HK$75,000
http://www.hl-insurance.com/web/guest/travel-cover

又有些保險公司因受保人參與冬季運動或潛水而導致身體受傷或身亡,所引致之醫療及有關費用減半。

例子:
恒生銀行
https://bank.hangseng.com/1/2/chi/pe...ravel-coverage
Ryann 目前離線   回覆時引用此篇文章
舊 2013-11-13, 16:26   #7
Mike
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作者: normanski 查看文章
That's a great story. The problem with Travel insurance is that you never know how good they are until you need them, or make a claim. We have been using Zunich Insurance via Tonichi for the past 3-4 years. Fortunately(Touch wood!), we've never had to make a claim. So we don't know how good they are really!!!
No matter how good or bad they are, it is better than nothing.

Note: HSBC is only an agent, not the underwriter.
Mike 目前離線   回覆時引用此篇文章
舊 2013-11-14, 16:39   #8
normanski
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註冊日期: 2008-05-21
文章: 33
normanski 是普普通通的會員
社長,社長,

What about Zunich Insurance? Why didn't you list out their coverage?
normanski 目前離線   回覆時引用此篇文章
舊 2013-11-14, 18:14   #9
Ryann
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蘇黎世保險
醫療費用最高限額HK$1,000,000
回港後3個月內覆診之醫療費用
a. 意外損傷之覆診費用限額 HK$1,000,000
b. 疾病之覆診費用限額HK$50,000

https://www.e-z.com.hk/brochure/zc_b...elcare_chi.pdf
Ryann 目前離線   回覆時引用此篇文章
舊 2013-11-16, 08:36   #10
normanski
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註冊日期: 2008-05-21
文章: 33
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Thank you 社長
normanski 目前離線   回覆時引用此篇文章
舊 2013-11-17, 21:08   #11
paullalley
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註冊日期: 2013-11-17
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Hi all,

New here, I free-ride with my company all over the world. For me the best insurance co's are:
1. Ihi bupa (international coverage)
2. Global rescue (international coverage even in regions of conflict)
3. REGA (Europe only)

Hope this helps.

Enjoy the ride!
Paul
paullalley 目前離線   回覆時引用此篇文章
舊 2013-11-17, 21:59   #12
Skimak
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註冊日期: 2009-05-11
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作者: paullalley 查看文章
Hi all,

New here, I free-ride with my company all over the world. For me the best insurance co's are:
1. Ihi bupa (international coverage)
2. Global rescue (international coverage even in regions of conflict)
3. REGA (Europe only)

Hope this helps.
Thanks for your info.

Please advise further how do you apply Bupa travel insurance in HK? My understanding is they dont do travel insurance business.
Skimak 目前離線   回覆時引用此篇文章
舊 2013-11-18, 12:24   #13
tongszelai
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註冊日期: 2013-08-08
文章: 6
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This year, I used ACE through AE card insurance for my X'mas trip becox there is a promotion till early January. The nett premium is competitive (6 days family asia plan around $400+coupon). I have checked the coverage against those comments above. They are in acceptable level.

此篇文章於 2013-11-22 11:10 被 tongszelai 編輯。.
tongszelai 目前離線   回覆時引用此篇文章
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