Travel insurance 旅行保险与疫情



Travel insurance 


Travel insurance policies commonly include exclusions for pandemics and epidemics which includes viruses such as SARS, Avian and Swine Flu.

旅行保险单通常包括大流行和流行病的排除,其中包括SARS,禽流感和猪流感等病毒。


In order for these exclusions to be relied upon, the insurer must be able to demonstrate that the virus fits within an exclusion. They must be able to provide evidence such as Department of Affairs & Trade, WHO warnings and medical evidence.

为了依靠这些排除,保险公司必须能够证明病毒适合排除在外。他们必须能够提供证据,例如事务和贸易部,WHO警告和医学证据。


Cancellations


Whether an insured is covered depends on which policy they have taken out and what date they purchased it. Also, whether cancellations are covered depends on when the travel policy cover was taken out. If it was after the COVID-19 was deemed to be a public health emergency, then it won’t be covered. 

被保险人是否承保取决于他们购买的保单和购买日期。此外,是否涵盖取消还取决于旅行政策保险的购买时间。如果是在COVID-19被认为是公共卫生突发事件之后,那么它将不包括在内。


Travel insurance policies may cover insured's who cancel the remainder of their trip if they were already in the country before DFAT raised its travel advice to a Level 4 however after that date, cover will not be extended due to the exclusion which is in most if not all, travel policies.

如果被保险人在DFAT将其旅行建议提高至4级之前已经在该国,则他们取消了其余旅行的旅行保险单可能适用于该旅行社,但是在该日期之后,由于不包括在大多数情况下,该保险将不予覆盖。所有,旅行政策。


Medical expenses: some travel policies will cover insured's in the affected region for medical expenses related to COVID-19 if they commenced the travel before DFAT advisory was lifted to Level 4.

医疗费用:如果某些旅行保单在DFAT咨询被提升至4级之前就开始了旅行,则某些旅行保单将涵盖受灾地区与COVID-19相关的医疗费用。


Does travel insurance cover COVID-19?


Cover for medical expenses and cancellation caused by epidemic - only if already in the region before the insurer issues a travel alert or DFAT raises travel advice level to “Reconsider Travel” or “Do Not Travel”.

支付由流行病引起的医疗费用和取消费用-仅在保险公司发布旅行警告之前或DFAT将旅行建议级别提高到“重新考虑旅行”或“请勿旅行”之前。


Note: between 20 January to 24 January 2020, most travel insurers had issued a travel alert which triggered the “travel advice” exclusion.

注意:在2020年1月20日至2020年1月24日期间,大多数旅行保险公司发布了旅行警告,触发了“旅行建议”排除。


For corporate travel: is more likely to be covered if travel insurance was taken out before the outbreak started.

对于公务旅行:如果在爆发开始之前购买了旅行保险,则更有可能承保。


For leisure travel: is likely to be more restrictive than corporate and may include exclusions for “Epidemic” (including a pandemic).

对于休闲旅行:可能比公司旅行更具限制性,并且可能包括“流行病”(包括大流行病)的排除。