The property insurance industry reminds that in order to avoid being unable to buy insurance when a typhoon hits, it is recommended that Chinese people buy air tickets and plan their itinerary. At the same time, purchase insurance for this period of travel. (provided by the operator)
[Reporter Li Jinghui/Taipei Report] The strong Typhoon Qiangpi continues to intensify, and the Meteorological Administration will issue maritime and onshore typhoon warnings as soon as the 22nd. People who are planning to travel abroad in the near future should not only pay attention to flight and weather changes, but also remember to plan travel safety insurance during the trip and add overseas travel inconvenience insurance to avoid insurance companies suspending the acceptance of insurance cases for a specific period after the typhoon warning is issued to control risks, and you will not be able to buy it at that time.
Based on past experience, as long as a typhoon warning is issued in a specific area, various property and casualty insurance companies will announce that they will suspend the acceptance of local travel inconvenience insurance insurance. Property and casualty insurance companies point out that the terms of the comprehensive travel insurance policy have listed the maritime typhoon warning issued by the Meteorological Administration as a "special exclusion." Therefore, even if the tourists successfully purchase the insurance, the insurance company still does not need to cover it. This is because as long as a maritime typhoon warning is issued, it will affect the takeoff and landing of aircraft flights, which in turn will cause airlines to adjust flights, which will inevitably affect travel itineraries. If insurance is accepted at this time, it is difficult to avoid moral hazard.
According to information from the Central Meteorological Administration, the strong Typhoon Qiangpi is approaching fiercely, and the possibility of landfall cannot be ruled out. A maritime typhoon warning may be issued as early as late Wednesday night or Thursday. Although no property insurance companies have posted suspension notices, all companies are closely monitoring the typhoon dynamics.
The new version of the travel inconvenience insurance will be launched in April this year, and each person is limited to 2 tickets at a time. The new version of Overseas Inconvenience Insurance provides 6 types of coverage, of which 2 items, "trip cancellation insurance" and "trip change insurance", have fixed pay-out benefits. The other four types of "flight delay insurance", "baggage delay insurance", "baggage loss insurance" and "travel document loss insurance" allow property and casualty insurance companies to decide on their own to launch "pay-as-you-go" and "fixed-payment" products.
Regarding "Flight Delay", although most operators focus on one-time benefit products with a benefit limit of NT$6,000, the new version of the terms still provides product options of "actual payment" and "progressive payment". Some operators offer a "progressive payment" insurance option, which can increase the benefit to a maximum of NT$12,000. If the insured is under insurance During the compensation liability period of the insurance contract, if a scheduled flight scheduled as a passenger is delayed, causing the insured's actual departure time to be delayed by more than 4 hours from the scheduled departure time, additional expenses incurred due to the delay such as meals, accommodation, and transportation expenses between the airport and the accommodation location can be claimed within the limit with the receipt. However, according to the terms of the policy, if the relevant expenses occur within the territory of the Republic of China, it is only within 48 hours from the time of the original scheduled departure.
The property insurance industry reminds that in order to avoid being unable to buy insurance when a typhoon hits, it is recommended that Chinese people buy air tickets and plan their itinerary. At the same time, buy insurance for this period of travel, so that even if there is a typhoon before or after departure, you will not be afraid of being without protection.
