![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![中銀集團保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/BOC_logo_d4a4a6d1be.png)
![藍十字保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Blue_Cross_logo_2e5f49f4a8.png)
![Starr](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Starr_logo_69f5c65538.png)
![蘇黎世](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Zurich_logo_97272525c9.png)
![安達人壽](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Chubb_logo_bbd61d9801.png)
![AXA 安盛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/AXA_logo_21b519b8f2.png)
![安聯旅遊](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Insurer_ALVT_logo_2e8410cc69.png)
![中銀集團保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/BOC_logo_d4a4a6d1be.png)
![保特保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Insurer_BOLT_logo_ee85ed8519.png)
![大新保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Dah_Sun_logo_5ef192a6fa.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![昆士蘭保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/QBE_logo_661cfc67cc.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![中銀集團保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/BOC_logo_d4a4a6d1be.png)
![藍十字保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Blue_Cross_logo_2e5f49f4a8.png)
![Starr](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Starr_logo_69f5c65538.png)
![蘇黎世](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Zurich_logo_97272525c9.png)
![安達人壽](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Chubb_logo_bbd61d9801.png)
![AXA 安盛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/AXA_logo_21b519b8f2.png)
![安聯旅遊](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Insurer_ALVT_logo_2e8410cc69.png)
![中銀集團保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/BOC_logo_d4a4a6d1be.png)
![保特保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Insurer_BOLT_logo_ee85ed8519.png)
![大新保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Dah_Sun_logo_5ef192a6fa.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![昆士蘭保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/QBE_logo_661cfc67cc.png)
醫療保障
![醫療與緊急援助評分](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/202306_Graphic_Asset_Travel_Methology_Emergency_7c8b672883.png)
旅程延誤或取消保障
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個人財物保障
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高危活動受保範圍
![](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/_2d2308df75.png)
旅遊警示及恐佈襲擊保障
![](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/_78c696c641.png)
自駕遊保障
![](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/_a56d33015f.png)
![熱愛外遊的人士](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/20230707_quickguide_persona_owner_rental_copy_3_632df5d032.png)
![打算於海外潛水、滑雪](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/20230707_quickguide_persona_owner_rental_copy_2_215e34fff0.png)
![想保障個人財物](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/20230707_quickguide_persona_owner_rental_copy_4_fa30b8e5fe.png)
單程旅遊保險只保障單次旅遊,而全年旅遊保險則涵蓋投保後 12 個月內的旅程。但需要注意,單程旅遊保險及全年旅遊保險受保時限、保障範圍及保障金額都有所不同。一般而言,單次旅遊的受保時限為保單生效後180日內,而全年旅遊保險受保時限則以每次旅遊最長90日計算。而保障範圍及保障金額則因不同保險公司而有所不同。消費者可按自己未來一年的旅遊次數選購。
部分旅遊保險設有「家庭計劃」選項,即與家長同行的兒童可免費,又或以較低價錢投保。因此,比較旅遊保險時,除了留意保障,亦要注意價格。
不少銀髮族經常外遊。不過,如投保人已達高齡,例如70歲,部份旅遊保險會調低個別保障(如醫療或意外類別)的最高賠償額。
緊急援助通常包括緊急醫療運送、運送遺體或骨灰返回香港、親屬恩恤探訪以及護送隨行未獲照料子女返港,一般須經由保險公司授權的緊急支援團隊或服務供應商安排及提供援助服務。
於海外租車自駕遊,租車公司通常會包一份設有自付費的保險。若受保人於租車自駕時遇上意外而車輛遭損毀、盜竊等,旅遊保險將賠償原本需由受保人承擔的汽車保險自付金費。不少旅遊保險都設有「租車自付額」保障,即是保險公司會承保指定金額的自付額,減輕投保人的負擔。在購買旅遊保險時,可多加留意。
一般而言,旅遊保險都必須在離境前投保方為有效,因保險保障是由購買一刻就開始生效,一直持續到受保人返回香港並重新進入香港境內為止。如果在離境後才購買旅遊保險,保險公司將不會承認該保單的有效性。換句話說,萬一在旅途中不幸發生意外,將無法獲得任何保障。
一般而言,旅遊保險應在確定行程及支付費用或訂金後,就盡快購買。因旅遊保險在出發前已經開始提供保障,如不幸遇上惡劣天氣等原因延誤或取消航班、旅遊目的地發出黑色外遊警示而需要取消行程,都可申請索償。然而,假若於航班延誤或取消或發出旅遊警示發出後才購買,保險公司是不會為此作出賠償。
大部分的旅遊保險都會提供行李及個人物品保障,包括如行李、相機及指定電子設備的意外損失或損壞。但並非所有的旅遊保險都保障手機遺失,因此若需要此保障,可在購買時多加留意。10Life深明大家的需要,以上列表已用簡單易明的方式列出有涵蓋「手提電話保障」的旅遊保險產品,方便消費者。
10Life了解大家的需要,現經10Life 購買指定旅遊保險,可獲獨家優惠,詳情可參考以上列表 。此外,10Life亦整合了保障較全面的旅遊保險產品比較表 ,比較保費及保障一目了然。