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旅游保险，你会买吗？

学校假期即将到来，很多人会扶老携幼出国旅游，为了以防万一，购买旅游保险成了必须考虑的事项。而现在旅游保险可以很方便的在网上自己DIY购买，大家自己去购买旅游保险时，千万要注意价格不应该是唯一需要考虑的因素。因为就算是贵的旅游险，跟便宜的比起来也只是贵了几十块而已，对于整个旅游的总体预算而言根本就不算什么。一般的旅游险都会涵盖行李丢失、旅行延误、文件丢失等等，这几方面不用太操心。

我们更应该考虑以下的2个方面：

1， 现有病史。你考虑同行的人中，尤其是有老年人同行的，他们是否有现有疾病，比如糖尿病、哮喘或者心脏病。如果在旅行途中，疾病发作，需要用到当地的医疗服务，这个账单有时候可以达到6位数。如果你购买的旅游险是涵盖现有疾病的，那么就可以用于支付这个账单，而有的旅游险是不涵盖现有疾病，只涵盖在旅游途中发生意外，比如由于摔倒导致骨折、食物中毒等而导致的医疗账单。

能够涵盖现有疾病的旅游保险肯定就比不涵盖现有疾病的旅游保险贵，所以，在购买时，我们一定要考虑同行人的身体情况，而不是单纯比价格。

2， 在我们的旅游行程中，是否会参加一些极限运动，比如滑雪、滑翔伞、蹦极跳等等。每年我们去滑雪时，都会看到滑雪事故的发生，其实极限运动的出险率还是挺高的，每家保险公司提供的投保范围都不同，所以购买之前我们需要看清楚合同里面是否包括了承保这些极限运动。

祝大家都有平安开心的假期！

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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马静 Jasmine

Hi， I’m Jasmine.

After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

Effective financial planning is the way towards financial freedom and ultimately towards the freedom of time in your life.

I’m looking forward to getting to know you personally and strive towards helping you planning your financial needs to grow your wealth portfolio and achieve financial freedom.

您好！我是马静

在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

理财是一种生活理念和生活方式的选择，通过合理的投资理财规划，可以帮助我们实现财富增值、财务自由。

我坚信：财务自由，则可以时间自由；时间自由，则心灵自由；心之自由，才是生命之大自由。

请让我陪伴您这一段意义非凡的通往财富自由之路的旅程！

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策