工商時報【記者張中昌╱台北報導】

MERS疫情擴散,產險業者提醒,若民眾不得已必須前往疫區,記得投保「旅遊綜合保險」,保障範圍包含「海外突發疾病」、「海外旅遊急難救助保險」,讓自己出門在外更有保障。

據瞭解,目前民眾出國地點若為旅遊警戒區,仍可投保旅遊綜合保險,像是現在的狀況,若於海外感染MERS,檢付醫療診斷證明書或住院證明等各項醫療費用收據,即可申請突發疾病住院醫療等保險金。

同時,在當地住院7日後,經保險公司合約的救助機構醫師,以及當地的主治醫師診斷證明醫療設備不足,需進行醫療轉送,在提出相關證明文件、收據申請理賠後,便可依約定給付海外發生的交通、隨行醫護人員及醫療設備費用,但最高以約定的保險金額為限。

國泰產險表示,由於旅遊綜合保險的保障項目繁複,一般保險公司會提供旅遊保險手冊供民眾參考,包括投保內容、海外急難救助服務項目等,讓民眾隨身攜帶,也可透過App預先下載保單保障,以引導式自助處理,保障理賠權益。

事實上,目前有些業者的旅遊綜合保險還保障旅遊期間遭竊能提供相關補償,例如旅行文件重置費用、現金竊盜、信用卡竊盜損失等,即使這段期間家中遭到歹徒闖空門,也有居家竊盜慰問金。

至於在費用方面,以投保5天海外旅遊為例,意外身故殘廢保險金500萬元及航空海陸意外身故殘廢保險金500萬元,並涵蓋12項旅遊不便保障,保費約需400多元。

產險業者強調,出國前除了須注意各地旅遊狀況,維護自身安全,在出國期間保險公司依例不受理投保旅綜險,因此務必於出國「前」事先投保,以免權益受損。

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A South Korean security person wears a mask as a precaution against the Middle East Respiratory Syndrome (MERS) virus at the customs, immigration and quarantine gate in Paju, South Korea, near the ... 較多A South Korean security person wears a mask as a precaution against the Middle East Respiratory Syndrome (MERS) virus at the customs, immigration and quarantine gate in Paju, South Korea, near the border village of Panmunjom, South Korea, Saturday, June 13, 2015. Experts from the World Health Organization and South Korea on Saturday downplayed concerns about the MERS virus spreading further within the country, but said that it was premature to declare the outbreak over. The signboard at right reads "Return". (AP Photo/Ahn Young-joon) 較少











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Associated Press | 拍攝者 Ahn Young-joon





免費英文學習 2015年6月14日週日 台北標準時間上午9時00分





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