旅游保险 Travel Insurance

一直以来的自助游（大多都4天3夜游，最长的也是8天7夜游）都是买亚航的保险，我想这应该也算是旅游保险了吧？

之前自助游买过的旅游保险（除了本地游的我就没额外再买旅游保险了）：

• 2014 年 5天4夜曼谷游- RM23（亚航的，regional plan return insured 1-10days）
• 2014 年 4天3夜印尼游- RM23 （亚航的，regional plan return insured 1-10days）
• 2015年 8天7夜曼谷游- RM25（亚航的，regional plan return insured 1-10days）

旅游保险其实不会贵，通常都是帮自己买个安心，谁也不会想要claim这笔钱吧？

了解到亚航的旅游保险也包括了：航班延迟、行李箱不见/坏

在面子书看到另一家公司的旅游保险，才了解到原来大多数的保险公司也是有卖旅游保险的，应该是多数人都不热衷，所以也没怎么听说过吧？

所以，在期待明年4月的8天7夜的韩国之旅来临前，我也该好好在各个保险公司的旅游保险配套中做个比较，选出适合自己的。

对比表- Air Asia和CityLife2u的：

CityLife2u的可以上网拿到quote，而air asia的多数是照domestic，regional，international flight之分，保费可以在air asia网站上看到。

Benefit/ Plan	Insurance company
	Air Asia Tune Insurance					CityLife2u
	Plan rate Travel Protection purchased on/after 15th June 2015	Domestic/ Regional (For AK/FD/QZ/PQ/Z2 flights only)		International (For AirAsia X/ D7 flights only)		Plan rate	*Asia Pacific Super plan	*Asia Pacific Standard plan
1. Personal Accident Benefit  Accidental Death & Bodily Disablement	Tune Insure Return Cover Domestic- RM25 Tune Insure Return Cover Regional- RM30 Tune Insure Return Cover International (1-10 Days)- RM50	Up to RM125,000		Up to RM200,000		Super plan- RM64 Single plan- RM40 **以韩国8天7夜游为例	RM500,000	RM300,000
2. Travel Inconvenience Benefits
Flight Cancellation  Reimbursement for the cost of flight if the Insured Person has to cancel the Trip due to Insured events		Up to original flight cost		Up to RM5,000
Flight Curtailment  Reimbursement for the return flight to Malaysia if the Insured Person returns due to insured events		Up to original flight cost		Up to RM5,000
Baggage and Personal Effects Cover lost or damage to baggage, clothing and personal effects of Insured Person		With Receipt:  Up to RM1,500 (Any one item RM500 subject to RM50 excess per claim) Without Receipt:  Fixed at RM 100 per item (No excess)		With Receipt:  Up to RM5,000  (Any one item RM500 subject to  RM50 excess per claim)  Without Receipt:  Fixed at RM 100 per item (No excess)			RM10,000	RM5,000
Baggage Delay For every 6 hours delayed from time of arrival		Up to RM400  (RM200 per 6 hour delay period)		Up to RM800  (RM200 per 6 hour delay period)			RM1,200	RM800
Common Carrier Delay For every 6 hours delayed from original departure time of Scheduled Flight due to inclement weather, equipment failure or strike		Up to RM1,050  (RM150 per 6 hour delay period)		Up to RM1,050  (RM150 per 6 hour delay period)
Missed Flight Connection No Onward connecting flight available within 6 hours from the missed Scheduled Flight due to delay of AirAsia’s Incoming connecting flight		Up to RM600  (RM300 per 6 hour delay period)		Up to RM600  (RM300 per 6 hour delay period)
Loss of Personal Money		-		Up to RM1,000			RM10,000	RM5,000
Expenses incurred arising from Loss of Travel Documents		-		Up to RM1,000			RM10,000	RM5,000
On Time Guarantee Delay more than 2 hours from scheduled departure time caused solely by AirAsia /AirAsia X		Up to RM200		Up to RM200
Travel Re-Route Delay more than 6 hours from scheduled arrival time caused by re-routing of the Scheduled AirAsia flight, as a result of strike/industrial action, adverse weather conditions or mechanical breakdown.		Up to RM450  (RM150 per 6 hour delay period)		Up to RM450  (RM150 per 6 hour delay period)
Hijack Distress Allowance When your flight is hijacked and your Trip is interrupted for more than 6 hours		Up to RM 1,000  (RM500 per 6 consecutive hours detained period)		Up to RM 1,000  (RM500 per 6 consecutive hours detained period)			RM5,000	RM2,500
Travel Cancellation							RM30,000	RM20,000
Travel Delay							RM1,000	RM500
3. Medical and Evacuation Expenses
Medical Reimbursement due to Accident Reimbursement of medical expenses incurred due to accident		RM20,000  (Excess RM50 per claim)	Up to RM175,000  (Excess RM50 per claim)				RM500,000		RM300,000
Medical Reimbursement due to Sickness Reimbursement of medical expenses incurred due to sickness during trip		Medical expenses reimbursement due to non pre-existing illness  Limit:  RM1,000 (Domestic)  RM5,000 (Regional)  (Excess RM 50 per claim)	Up to RM175,000  (Excess RM50 per claim)
Emergency Medical Evacuation & Mortal Remains Repatriation Reimbursement of expenses incurred due to accidental injury or death		RM100,000	-				RM1,000,000		RM1,000,000
Emergency Medical Evacuation & Mortal Remains Repatriation Reimbursement of expenses incurred due to sickness, accidental injury or death		-	Up to RM300,000
Compassionate Visit		-	Up to RM5,000				RM25,000		RM12,500
4. Personal Liability  Personal Liability		-	Up to RM500,000				RM1,500,000		RM1,000,000
5. Travel Assistance Services  24 Hours Worldwide Travel Assistance Services		Included	Included
6. Coverage for Accompanying Infant  For one (1) infant who is named in the confirmation slip		Personal Accident benefit up to 10% of the stated limit RM12,500	a) Personal Accident benefit up  to 10% of the stated limit, RM 20,000 b) Medical and evacuation expenses  up to the stated limit c) 24 Hours Worldwide Travel Assistance Services				RM25,000		RM12,500
7. Home Care Benefit  Pays for physical loss or damage to your home contents in Malaysia as a result of theft while you are traveling		RM1,000	RM3,000				RM2,000		RM2,000
Terrorism							RM500,000		RM300,000

*CityLife2u

·         Asia pacific: including ASEAN countries, Australia, Bangladesh, Bhutan, China, Hong Kong, India, Japan, North Korea, South Korea, Macau, Maldives, Mongolia, New Zealand, Pakistan, Sri Lanka, Taiwan, Tibet. The Pacific Island excluding Hawaiian Island.

·         Wordwide: The rest of the world and countries under asia pacific

·         Domestic: Trip within Malaysia, included all islands of Malaysia

比较了之后，个人认为如果是international flight的话，买CityLife2u的比较值得，保费便宜之外保障也比较多。

在出国前，到以上2个网站（当然还有其它保险公司），比较了保费及保障，觉得哪个适合自己的就可以买了。只要上网买就可以了，所以真的很方便，而且，这也是出游前必做的。