保诚旅行保险概述与保障

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Questions and Answers

PRUChoice Travel 产品主要提供什么类型的保险服务？

旅行期间的意外和医疗保险 (correct)

商业财产保险

家庭财产保险

污染责任保险

在急救援助服务中，哪一项通常不包括在内？

语言翻译服务

医疗转运服务

医疗费用报销

宠物护理服务 (correct)

PRUChoice Cruise Travel 的保险对于什么情况提供保障？

家庭成员的住院费用

航班延误造成的财务损失

在游轮上发生的意外事故 (correct)

交通工具损坏的赔偿

下列哪项保险不属于 Prudential 提供的旅行保险范围？

PRUChoice Personal Accident Plus Signup and view all the answers

哪种情况下投保 PRUChoice Furkid Care 会提供保障？

旅行期间宠物的医疗需求 Signup and view all the answers

旅行保险覆盖哪些损失？

不可回收的预付款或费用 Signup and view all the answers

在旅途中，如何获得紧急帮助？

拨打EAHK报警中心热线 Signup and view all the answers

旅行保险提供的医疗撤离服务是怎样的？

无限覆盖范围 Signup and view all the answers

如果旅行事件发生在出发日期前30天内，保险会覆盖什么？

更新的机票费用 Signup and view all the answers

出发日期超过30天后，保险将赔偿什么费用？

被取消航班的票价 Signup and view all the answers

在旅行中需要的紧急协助服务包括哪些内容？

医疗撤离和治疗后的回国 Signup and view all the answers

以下哪项活动不在保险的赔偿范围内？

高风险极限运动 Signup and view all the answers

保险在旅途中提供紧急协助的覆盖范围如何？

无限制的覆盖 Signup and view all the answers

以下哪些情况属于旅行保险的保险范围？

租车事故造成严重身体伤害 Signup and view all the answers

因被召唤为证人而需要更改旅行计划，保险能赔偿哪些费用？

额外的住宿和交通费用 Signup and view all the answers

关于医疗设备费用，旅行保险覆盖哪些项目？

轮椅和义肢的费用 Signup and view all the answers

以下哪项不在额外住宿和交通费用的保险范围内？

因罢工导致的航班取消补偿 Signup and view all the answers

如果投保人因突发疾病无法继续旅行，保险将如何赔偿？

交通费用及医疗费用的补偿 Signup and view all the answers

旅行保险涵盖什么类型的医疗设备费用？

医生建议的必要医疗设备费用 Signup and view all the answers

投保人在紧急情况下需要的额外住宿费用能否获赔？

能，但有金额限制 Signup and view all the answers

旅行保险对因民事骚乱或暴动导致的损失负有怎样的责任？

可赔偿因事件导致的额外交通费用 Signup and view all the answers

Study Notes

Prudential Travel Insurance - PRUChoice Travel Leisure

Product Overview: A travel insurance plan offered by Prudential General Insurance Hong Kong Limited. The product provides comprehensive coverage for various situations that might arise during a trip, including medical emergencies, accidents, and trip disruptions.
Coverage: Excess-free coverage for medical support and personal accident, with maximum limits up to HK$1,200,000. Specific sports and activities (e.g., bungee jumping, skydiving) listed as covered activities.
Special Features: Covers airline company winding-up, cancellation, and curtailment of trips. Coverage is available for trips with varying durations and for both single trips and annual policies (up to age 75).
Covid-19 Extension: Provides coverage for medical expenses, hospital cash, compassionate visits, and follow-up medical expenses within 30 days of return for COVID-19 diagnosis. This extension does not cover additional accommodation costs due to COVID-19.
Travel Delay: Coverage for delays exceeding 5 hours due to various factors (e.g., strikes, bad weather). Compensation is offered in form of a cash benefit. This does not provide cover if the delay is covered by re-routing coverage.
Additional Coverage Areas: Baggage and personal effects, personal money, credit cards and travel documents, personal liability, vehicle rentals, medical assistance (24-hour assistance services).
Cancellation/Curtailment: Comprehensive coverage for various trip cancellation causes (e.g., severe illness, natural disasters, travel alerts).
Exclusions: War, unreasonable care and attention, professional sports activities, pre-existing medical conditions, and other specific situations detailed in the policy document.
Premium: Premiums are based on destination and trip duration. Annual cover has a monthly or yearly fee.

Policy Details and Exclusions

Medical Support: Covers overseas medical expenses, hospital cash benefits, and follow-up medical costs in Hong Kong within 3 months of returning.
Personal Accident Coverage: Provides 100% coverage for accident-related death, permanent disability, and loss of limbs or sight as a direct result of an accident during travel.
Baggage/Personal Effects: Covers accidental loss or damage to baggage and personal effects "new for old" provided the item is less than 2 years old.
Personal Money and Credit Cards: Covers accidental loss of money and travel checks. Includes protection against unauthorized credit card use in a timely manner.
Travel Documents: Covers replacement costs due to theft or loss of travel documents issued from robbery, burglary or theft including additional expenses like accommodation and transport.
Other Coverage: Covers extra accommodations and transportation for people who travel due to an incident or medical condition, along with compassionate visits.
Exclusions: The policy specifically excludes certain types of pre-existing conditions, pre-notice illnesses, specific activities (professional sporting events and competitive activities), and those associated with certain conditions (venereal diseases, pregnancy, miscarriages). Conditions that existed or were known to exist before the application or itinerary confirmation are also excluded.
Exclusions (Additional): Exclusions include certain medical treatments, natural disaster conditions, or those related to the trip's purpose (e.g., treatment as the primary purpose of the trip).

Application and Payment

Application Form: Details required for applying for the insurance including personal information, trip details, and insured people.
Payment Method: Options for payment include cheque, and credit card.
Important Notes to Applicant: A section detailing important information on disclosures, validity periods, exclusions.

Policy Summary (Other pages)

Additional Products: Prudential offers a wide range of other insurance products, and the insurance company aims to cover a diverse range of needs.
Comprehensive Coverage Descriptions: The various coverage options are listed and explained, along with exclusions.