Is it a lie to get a phone call to promote insurance through the same journey?

The world is so big, why not go out for a walk? When more and more urban white-collar workers are eager to travel abroad, it is very important to know and choose a satisfactory overseas travel insurance in advance.

Recently, I came into contact with such a case. Miss He, a white-collar worker from a company in Guangzhou, and her best friend went to the Philippines for a self-help tour to commemorate the15th anniversary of their acquaintance by diving. Unexpectedly, the ship to tagbilaran stopped because of the typhoon. As a result, Miss He and her party failed to check into the reservation room of the bee farm as scheduled. According to the predetermined policy, the farm charged Miss He the room fee for their first night as consumption.

Miss He clearly knows that her travel insurance product "Travel Treasure" has the protection of itinerary change and itinerary delay. However, I'm not sure what coverage my situation meets and what information I need to show. So, Miss He contacted the online customer service of the insurance company on the Internet, and according to the guidance of the customer service staff, she got the suspension certificate issued by the shipping company and the statement issued by the farm that there is no consignment and no refund. After returning to China, Miss He submitted a claim to the insurance company.

After verifying the materials provided by Miss He, the adjuster confirmed that the typhoon prevented Miss He from staying in the farm as scheduled, which was a trip change caused by bad weather and could be paid. In addition, due to the typhoon, the ship stopped sailing, and the continuous delay time reached four hours as stated in the insurance policy, so the claim for travel delay can be obtained at the same time.

In fact, insurance companies found from customers' inquiries that quite a few people don't quite understand the specific scope of these two kinds of protection. For example, they think that the change of itinerary is equivalent to a kind of psychological compensation, and even if the insured changes the scheduled itinerary on a whim, the insurance company can compensate the related expenses.

"This is actually a misunderstanding," Ms. Chen, a senior claims manager of an insurance company, explained in an interview with the author. "The two guarantees of itinerary change and itinerary delay do not accept losses caused by subjective will as the basis for claims."

It is understood that travel change refers to non-refundable travel expenses such as accommodation fees, air tickets and air tickets paid in advance but not actually used before or during travel due to the death of the insured or immediate family members, serious illness hospitalization, bad weather and natural disasters. Travel delay means that the insured's public transport is continuously delayed to the time specified in the insurance policy for reasons specified in the insurance policy, and compensation can be obtained. Common causes of accidents include bad weather, natural disasters and air traffic control.

"The difference between the two is that one is to make up for the actual expenses of the insured, and the other is to give economic compensation to the time wasted by the insured." Allianz property insurance experts said that sometimes, in a trip, the two may happen at the same time, and Miss He's experience is in line with this situation.

Compared with the travel delay, the materials provided by applying for the claim for travel change are more sufficient. For example, if the insured or immediate family members are hospitalized due to serious injuries, they need to provide proof of hospitalization and proof of immediate family members; If bad weather prevents you from staying in the hotel as scheduled and you are charged, you must provide proof of advance payment and a reservation policy that can show the hotel's deduction.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.