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2025年最好旅游保险计划推荐 Best Travel Insurance Recommendation

什么是旅行保险?为什么你需要了解它?

旅行保险可以帮助你应对旅途中可能发生的意外损失,例如行李遗失或突发医疗事件。它的医疗保障范围包括海外住院费用、紧急医疗撤离以及遗体运送费用等。

根据调查,64%的新加坡人曾购买过旅行保险,而91%的受访者表示计划购买旅行保险。拥有足够的旅行保险可以让你在旅途中享受更安心的体验。

以下是关于如何选择最适合你和你的旅行伙伴的旅行保险指南。

敲黑板知识点:旅行保险购买前必须完成!

旅行保险必须在出发前购买,一旦购买你将立即获得保障。如果你已经踏上旅程再购买保险,这样的保单将无效(仅Income英康有提供出境后24小时之内购买有效)。

最好的旅行保险计划推荐

best travel insurance by category
Best Travel Insurance By Category

最常见的旅行保险理赔原因

即使是精心计划的旅行,也难免会遇到一些意外情况。以下是旅行保险最常见的四种理赔原因:

1. 旅行或行李延误,以及错过中转航班

航班延误可能因恶劣天气或飞机机械问题而发生。行李延误则可能是因为天气影响了行李处理时间。此类延误可能导致额外的住宿费用,甚至需要临时购买衣物和洗漱用品。
旅行保险可以减少这些额外支出,前提是延误时间达到保单规定的最低时长(通常为6小时)。

2. 医疗费用

旅途中因长途奔波的疲劳和压力导致生病的几率大大增加。例如,在陌生餐馆用餐可能引发食物中毒,或者滑雪时不慎受伤。
旅行保险通常覆盖海外的医疗费用,甚至包括因旅行而产生的回国后治疗费用。

3. 财物丢失

旅行中被盗或丢失的重要物品(如护照、手机、钱包或笔记本电脑)是旅行保险的重要保障内容之一。虽然物品无法找回,但保险可以帮助你减少经济损失。

4. 意外的行程取消或延迟

如果家人因病住院,你可能需要取消整个家庭的旅行行程。此外,航班或酒店的运营商因特殊原因取消预订甚至破产时,旅行保险可以为你预付的旅行费用提供赔偿。

比较旅行保险计划

旅行保险计划通常分为两种:覆盖既往病史的计划和不覆盖的计划。以下是一些保险公司的对比信息(基于高端计划选项):

Travel insurance with pre-existing
Travel insurance with pre-existing condition 
Travel Insurance without Pre-ex
Travel Insurance without Pre-existing condition

如何快速完成理赔?

为确保理赔顺利,以下是需要保存的重要文件:

  1. 登机牌
    无论是离境还是返程的登机牌,都能证明你的旅程的发生。这是保险公司核实旅行真实性的关键。
  2. 原始医疗账单
    如果旅途中生病或回国后接受治疗,附带医生诊断的医疗账单是理赔的必要材料。
  3. 航班延误或行李延误的航空公司通知
    航空公司发出的航班延误或行李损坏报告是申请相关赔偿的核心凭证。
  4. 警方报告和相关收据
    若因盗窃遗失物品,当地警方的报告以及物品原始购买发票可以帮助你顺利申请赔偿。

特别注意事项

1. 既往病史的保障

部分旅行保险覆盖既往病史,但价格较高。常见的既往病症包括哮喘、高血压、糖尿病等。

2. 租车时的保险覆盖

租车时的保险通常包含基本保障,但超额费用(Excess)可能需要自行承担。某些旅行保险可以覆盖这部分费用。

3. 极限运动保障

如果你计划进行滑雪、跳伞等高风险活动,确保你的旅行保险覆盖这些项目。以下是一些常见的极限运动项目:高空滑索、蹦极、滑翔伞、双人跳伞、皮划艇或三级激流漂流(有合格的导游陪同)、水上摩托艇、滑冰、滑雪、单板滑雪。

4. 目的地的生活成本

例如,在洛杉矶入住四星级酒店的费用远高于越南,因此确保你的保险计划有足够的赔偿限额来覆盖更高的生活成本。

5. 紧急医疗撤离与遗体运送

从海外撤离回国的紧急医疗费用或遗体运送费用非常昂贵。选择覆盖这些费用的保险计划非常必要。

为什么要提前购买旅行保险?

提前购买旅行保险不仅不会增加费用,还可以覆盖旅行前因突发事件导致的取消损失。因此,建议在出发前至少提前7天购买保险。

信用卡旅行保险靠谱吗?

部分信用卡提供免费旅行保险,但通常只包含基础保障(如航班延误、行李延误等),且理赔金额较低。客户以往的经历是理赔很难下来,且耗时长。如果需要更全面的保障,建议购买专门的旅行保险。

总结

无论是短途旅行还是长途冒险,旅行保险都为你提供了额外的安全感。从航班延误到突发疾病的医疗费用,旅行保险让你能够轻松应对旅程中的不确定性。如果你还在犹豫选择哪款保险,欢迎咨询Katrina为你量身定制方案。

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.

Published By:

Katrina Cao Shaoxin曹少辛

长期居住在新加坡的宝妈一枚,是一名专业的独立财务顾问,就职于新加坡最大的独立财务公司,鑫盟理财(Financial Alliance),代理17家人寿保险,33家财险,11家投资平台,70多个基金公司合作,始终站在客户立场,为客户规划最优方案。

专注于做外国人及新移民在新加坡的资产及保险配置,以及企业特别是出海的初创企业在新加坡的财险以及员工福利配置。

崇尚素质教育,更热衷于IB体系,孩子的教育归根于玩中学,并在玩中触发孩子对学习的热爱并自觉探索。希望有相同理念的家长可以共同讨论孩子教育。

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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
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  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
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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.

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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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