比較香港最佳旅遊保險 2021

由於保費和承保範圍不同,因此要找出最佳的旅遊保險不太容易。我們分析了來自香港25間保險公司的數百個數據點,助您簡單比較。閱讀我們的指南,尋找性價比最高的旅遊保險計劃,並根據旅行頻率以及醫療和事故保險等不同的福利來比較計劃。

香港最便宜旅遊保險

我們推薦:
基本金計劃基本標準
每週保費
HK$51
HK$103.95
HK$105
HK$106
醫療HK$500,000HK$600,000HK$300,000HK$500,000
意外/死亡HK$250,000HK$600,000HK$300,000HK$300,000
行程取消N/AHK$30,000N/AN/A
行程延誤N/AHK$1,500N/AN/A
顯示的保費為亞洲目的地1週保費
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  • 豐隆保險:透過網上申請可享單次旅遊保費四五折優惠,全年旅遊保費八折優惠
  • 安达保險:單次旅遊和全年旅遊保費享七折優惠

我們為尋求市場上最實惠計劃的消費者推薦 AIG的基本計劃(儘管AIG標準計劃的價格也相當合理)。希望選擇相對負擔得起而且提供更多保障的計劃的消費者可能會想要考慮上面列出的豐隆、Chubb或STARR,雖然保費比AIG計劃較貴,但比起行業平均,前往亞洲目的地為期一週的基本旅遊保險保費HK$160.30仍便宜最少33%。

豐隆的金計劃對於希望省錢又能避免旅遊不便的消費者而言是一個不錯的選擇。這是為行程取消和延誤提供保障的最便宜的計劃,非常適合希望獲得更多全面保障而又無需多付錢的消費者。與同類價格的計劃相比,金計劃還提供了更多的醫療和意外保障,使其在各個方面都具有頗高的價值。

STARR的卓悅遊標準計劃不僅覆蓋亞洲,而且覆蓋全球。更重要的是,雖然該計劃具有較低的意外事故和醫療保障額,但在四個最便宜的計劃中,其分配給子女返回香港交通的金額最高(HK$50,000)。如果您希望費用容易負擔並可確保受子女安全回程,那麼STARR的卓悅遊標準計劃計劃可能較適合您。

Chubb的基本計劃是市場上最便宜的旅遊保險計劃之一。雖然價格便宜,但它的承保範圍也較輸蝕,消費者在決定購買該產品之前應該留意。上列的其他平價旅遊保險計劃可提供更佳的保障。

環球目的地最便宜旅遊保險

我們推薦:
基本標準基本優閒
每週保費
HK$79
HK$106
HK$108
HK$117.75
醫療HK$500,000HK$500,000HK$500,000HK$300,000
意外/死亡HK$250,000HK$300,000HK$300,000HK$300,000
行程取消N/AN/AN/AHK$10,000
行程延誤N/AN/AN/AHK$3,000
顯示的保費為環球目的地1週保費
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  • 美亞保險:單次旅遊保單每支付HK$6可獲1「亞洲萬里通」里數;全年旅遊保單每支付HK$4 可獲1「亞洲萬里通」里數。
  • 中國平安:單次旅遊保費享七五折優惠

AIG提供的旅遊保險仍然是最便宜,但其醫療和意外/死亡保障額相對較低。因此,即使消費者可以透過AIG保障自己免受重大事故和醫療費用的影響,但亦可以考慮STARR、交通銀行或中國平安的計劃以獲得更全面的保障。

STARR的卓悅遊標準計劃提供具競爭力的強大醫療和意外保障,並且與許多其他較便宜的計劃相比,該計劃為同行子女回程以及恩恤探視提供頗為慷慨的保障。

交通銀行升級旅遊保險基本計劃是另一個經濟實惠的選擇,不設單程旅遊保險的年齡限制。大多數旅遊保險要求投保人在一定年齡範圍內(通常為18 - 75歲)才能投保。這使交銀升級旅遊保險對年長的消費者或希望為其年長親友購買保險的人來說更有吸引力。

中國平安保險的優閒計劃以最全面的保障脫穎而出,並且是四個最便宜的旅遊保險計劃中唯一提供行程取消和行程延誤保障的。如果您擔心行程延誤或取消,優閒計劃是保障您免受旅行不便帶來的經濟後果的一個平價選擇。

最高性價比旅遊保險

我們推薦:
鑽石標準單程
每週保費
HK$120.6
HK$250.08
HK$164
性價比
2.38
2.23
2.03
醫療HK$1,000,000HK$1,200,000HK$5,000,000
意外/死亡HK$800,000HK$1,200,000HK$1,200,000
行程取消HK$50,000HK$50,000HK$50,000
行程延誤HK$2,500HK$5,000HK$2,500
顯示的保費為亞洲目的地1週保費
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  • 豐隆保險:透過網上申請可享單次旅遊保費四五折優惠,全年旅遊保費八折優惠
  • 滙豐銀行:單次旅遊保費享八五折優惠,環球全年旅遊保費享七折優惠

對於尋求覆蓋範圍和價格的最佳組合的消費者,我們建議使用豐隆的鑽石計劃、利寶國際的單程保險計劃和滙豐旅遊萬全保亞洲標準計劃。這些計劃均提供高於平均水平的醫療和意外保障。此外,豐隆和利寶的計劃保費低於市場標準。雖然滙豐的保險計劃可能比大多數計劃昂貴,但其領先市場的醫療保險使其脫穎而出,成為實際價值最高的計劃之一。 豐隆的鑽石計劃價格較具競爭力,同時仍提供高於平均水平的醫療和意外/死亡保障。豐隆的鑽石計劃的保費僅為HK$120.60,比亞洲目的地1週保險的平均價錢HK$215.60便宜約HK$100。尋求價格適中但較大額保險的消費者絕對值得考慮這個計劃。 滙豐旅遊萬全保亞洲標準計劃 提供最高水平的醫療保障,對於想要盡量高的醫療保障的旅客來說是理想的選擇。如此高的保額足以彌補該計劃比亞洲平均1週計劃高出HK$35的保費。

利寶的旅遊保險計劃價格合理,並提供很高的行程延誤賠償,不僅具有與行程相關的高額保障,而且該計劃的醫療和意外賠償金額都大大高於市場標準。消費者還可以在旅行途中獲得大多數保險未涵蓋的恐怖活動和危險運動(笨豬跳、滑雪等)的保障。

最適合常旅客

我們推薦:
標準鑽石星級
保費
HK$1866.62
HK$1773.1
HK$2430
醫療HK$5,000,000HK$1,500,000HK$1,500,000
意外/死亡HK$2,000,000HK$2,000,000HK$2,000,000
行程取消HK$50,000HK$50,000HK$80,000
行程延誤HK$2,500HK$3,600HK$3,000
顯示的保費為環球目的地全年保費
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Button\" data-eventlabel=\"\u5bcc\u885b\u4fdd\u96aa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5bcc\u885b\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fi.fwd.com.hk%252Ftc%252Ftravel-insurance\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5bcc\u885b\u4fdd\u96aa - Image\" data-eventlabel=\"\u5bcc\u885b\u4fdd\u96aa\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5bcc\u885b\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fi.fwd.com.hk%252Ftc%252Ftravel-insurance\"\u003E\u003Cimg alt=\"\u5bcc\u885b\u4fdd\u96aa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/fwd_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/fwd_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/fwd_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5bcc\u885b\u4fdd\u96aa - 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  • 滙豐銀行:單次旅遊保費享八五折優惠,環球全年旅遊保費享七折優惠
  • 中國銀行:單次旅遊保費享七五折優惠,全年旅遊保費享八五折優惠(優惠期至2020年12月15日)
  • 富衛保險:使用優惠碼「FWD20ST」,享單次旅遊保險八折優惠;使用優惠碼「FWD20AT」,享全年旅遊保費八折優惠

這些旅遊保險計劃為常旅客提供最高的價值。這些計劃雖然覆蓋全球,但我們發現它們在亞洲目的地也提供了的價值亦最高。只要是每年旅行至少7次,購買年度旅遊保險計劃代替每次旅遊的個人計劃就可為您節省開支。 想獲得市場上最高醫療保障的消費者絕對應該考慮滙豐旅遊萬全保環球標準計劃。該計劃的HK$5,000,000醫療保障領先市場,加上同樣高於市場水平的意外事故和行程取消保障金額,使其成為經常旅行者尋求充分保障的全面選擇。

對於希望在年度計劃中節省開支的常旅客,中銀環宇智選旅遊保障計劃的鑽石計劃是一個不錯的選擇。首先,它的保費僅HK$1,773.10,比亞洲和全球高級旅遊保險計劃的平均年保費低近HK$500。 此外,環宇智選旅遊保障鑽石計劃的行程延誤賠償高達HK$3,600。與許多提供此保障的計劃一樣,延誤的賠償額為每6小時延遲HK$300。

富衛TravelCare星級旅遊保險提供高達HK$80,000的高額行程取消保障,是平均承保額約HK$26,000的兩倍多。該計劃的行李保障額為HK$50,000(大多數個人物品的賠償上限為HK$3,000),比其他即使是最高級別的計劃的平均行李保障都高出一倍以上。因此,擔心行程被取消或攜帶大量行李旅遊的消費者肯定應該考慮星級旅遊保險計劃。

最高保障額旅遊保險

我們推薦:
環球標準尊貴星級
每週保費
HK$394.69
HK$536
HK$365
醫療HK$5,000,000HK$3,000,000HK$1,500,000
意外/死亡HK$2,000,000HK$1,500,000HK$2,000,000
行程取消HK$50,000HK$50,000HK$80,000
行程延誤HK$2,500HK$5,000HK$3,000
顯示的保費為環球目的地1週保費
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Button\" data-eventlabel=\"\u5bcc\u885b\u4fdd\u96aa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5bcc\u885b\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fi.fwd.com.hk%252Ftc%252Ftravel-insurance\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5bcc\u885b\u4fdd\u96aa - Image\" data-eventlabel=\"\u5bcc\u885b\u4fdd\u96aa\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5bcc\u885b\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fi.fwd.com.hk%252Ftc%252Ftravel-insurance\"\u003E\u003Cimg alt=\"\u5bcc\u885b\u4fdd\u96aa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/fwd_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/fwd_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/fwd_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5bcc\u885b\u4fdd\u96aa - Button\" data-eventlabel=\"\u5bcc\u885b\u4fdd\u96aa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5bcc\u885b\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fi.fwd.com.hk%252Ftc%252Ftravel-insurance\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • 滙豐銀行:單次旅遊保費享八五折優惠,環球全年旅遊保費享七折優惠
  • 富衛保險:使用優惠碼「FWD20ST」,享單次旅遊保險八折優惠;使用優惠碼「FWD20AT」,享全年旅遊保費八折優惠

以上計劃最適合優先考慮承保範圍而非負擔能力的消費者。如果您在預算上比較靈活,滙豐的環球標準計劃、QBE的尊貴計劃和FWD的星級計劃是不錯的選擇。這些計劃雖然價格較為昂貴,但它們提供領先市場的醫療、意外和行程取消保障。

一支獨秀的是滙豐的環球標準計劃,提供高達HK$5,000,000的醫療保障。由於該計劃還提供HK$2,000,000的意外/死亡保險,因此,它無疑是尋求最高承保額的消費者的最佳計劃之一。而雖然環球計劃提供更高的保障和全球覆蓋範圍,但短線旅遊者可以購買更便宜的亞洲計劃來節省預算。

QBE的尊貴計劃提供極具競爭力的醫療和意外保障,以及相對較高的行程延誤保障。雖然恒生或平安等其他公司提供更高的行程延誤賠償(分別高達HK$10,000和HK$12,000),但QBE提供較高的醫療和意外保障,因而更加全面。對於不介意保險較高的消費者而言,QBE的尊貴計劃總括而言是一個不錯的選擇。

FWD的星級計劃提供市場上最高的行程取消和縮短賠償。對於預訂了相當昂貴的行程並希望保障行程被取消或縮短的損失的消費者而言,是一個不錯的選擇。

最佳家庭旅遊保險計劃

最高價值家庭旅遊保險計劃

我們推薦:
單次家庭鑽石家庭標準家庭
每週保費
HK$385
HK$227.25
HK$780.61
性價比
1.97
1.82
1.62
醫療HK$1,200,000HK$1,000,000HK$5,000,000
意外/死亡HK$1,200,000HK$800,000HK$1,200,000
行程取消HK$50,000HK$50,000HK$50,000
行程延誤HK$5,000HK$2,500HK$2,500
顯示的保費為亞洲目的地1週保費
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Button\" data-eventlabel=\"\u6ed9\u8c50\u9280\u884c\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u6ed9\u8c50\u9280\u884c\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hsbc.com.hk%252Fzh-hk%252Finsurance%252Fproducts%252Ftravel%252F\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n"],"offsetPercentage":20}
  • 豐隆保險:透過網上申請可享單次旅遊保費四五折優惠,全年旅遊保費八折優惠
  • 滙豐銀行:單次旅遊保費享八五折優惠,環球全年旅遊保費享七折優惠

我們發現利寶的單程旅行計劃、豐隆的鑽石計劃和滙豐的亞洲標準家庭計劃為家庭提供最高的保障額與保費比率。雖然各自的定價結構因保險公司而異,但以上價格顯示 1個兒童的家庭的平均每週保費用。雖然價格各有不同,但每個計劃都提供獨特的出色保障,使其與其他旅遊保險計劃有所不同。

利寶的單程旅遊保險計劃為行程延誤和取消提供較高的承保額,而由於促銷優惠,其目前保費僅為HK$385.00,比其他家庭計劃的平均保費HK$496.05低約22%。

豐隆的鑽石計劃對於預算較緊張的家庭來說是非常有價值的選擇,雖然承保範圍並不比其他高級計劃,但仍高於平均水平,保費僅為HK$268.85,幾乎是市場平均的一半。

滙豐旅遊萬全保標準計劃再次HK$5,000,000的醫療保障在競爭中脫穎而出。如上所述,這是市場上最高的保額,因此,即使保費高於平均水平,該計劃也具有極高的價值。

最便宜家庭旅遊保險計劃

我們推薦:
基本家庭標準家庭基本家庭尊尚基本家庭
每週保費
HK$115
HK$212
HK$216
HK$221.2
醫療HK$500,000HK$500,000HK$500,000HK$300,000
意外/死亡HK$250,000HK$300,000HK$300,000HK$300,000
行程取消N/AN/AN/AN/A
行程延誤N/AN/AN/AN/A
顯示的保費為亞洲目的地1週保費
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Button\" data-eventlabel=\"Starr\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Starr\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.starrinsurance.com.hk%252Fhk_starr_insurance%252Finsurance_detail%252F123869%253F_curcid%253D15664\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate zh_travel_insurance_companies: Starr - Image\" data-eventlabel=\"Starr\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Starr\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.starrinsurance.com.hk%252Fhk_starr_insurance%252Finsurance_detail%252F123869%253F_curcid%253D15664\"\u003E\u003Cimg alt=\"Starr\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/starr_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/starr_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/starr_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate zh_travel_insurance_companies: Starr - 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Button\" data-eventlabel=\"\u4ea4\u901a\u9280\u884c\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u4ea4\u901a\u9280\u884c\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hk.bankcomm.com%252Fhk%252Fshtml%252Fhk%252Ftw%252F2004980%252F2005052%252F2005053%252F2038381.shtml%253FchannelId%253D2004980\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u4ea4\u901a\u9280\u884c - Image\" data-eventlabel=\"\u4ea4\u901a\u9280\u884c\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u4ea4\u901a\u9280\u884c\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hk.bankcomm.com%252Fhk%252Fshtml%252Fhk%252Ftw%252F2004980%252F2005052%252F2005053%252F2038381.shtml%253FchannelId%253D2004980\"\u003E\u003Cimg alt=\"\u4ea4\u901a\u9280\u884c\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/bank_of_comm_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/bank_of_comm_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/bank_of_comm_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u4ea4\u901a\u9280\u884c - Button\" data-eventlabel=\"\u4ea4\u901a\u9280\u884c\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u4ea4\u901a\u9280\u884c\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hk.bankcomm.com%252Fhk%252Fshtml%252Fhk%252Ftw%252F2004980%252F2005052%252F2005053%252F2038381.shtml%253FchannelId%253D2004980\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5b89\u8fbe\u4fdd\u96aa - Image\" data-eventlabel=\"\u5b89\u8fbe\u4fdd\u96aa\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5b89\u8fbe\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.chubbtravelinsurance.com.hk%252Fzh%252F\"\u003E\u003Cimg alt=\"\u5b89\u8fbe\u4fdd\u96aa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/chubb_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/chubb_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/chubb_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5b89\u8fbe\u4fdd\u96aa - Button\" data-eventlabel=\"\u5b89\u8fbe\u4fdd\u96aa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5b89\u8fbe\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.chubbtravelinsurance.com.hk%252Fzh%252F\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5b89\u8fbe\u4fdd\u96aa - Image\" data-eventlabel=\"\u5b89\u8fbe\u4fdd\u96aa\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5b89\u8fbe\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.chubbtravelinsurance.com.hk%252Fzh%252F\"\u003E\u003Cimg alt=\"\u5b89\u8fbe\u4fdd\u96aa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/chubb_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/chubb_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/chubb_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate zh_travel_insurance_companies: \u5b89\u8fbe\u4fdd\u96aa - Button\" data-eventlabel=\"\u5b89\u8fbe\u4fdd\u96aa\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\u5b89\u8fbe\u4fdd\u96aa\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.chubbtravelinsurance.com.hk%252Fzh%252F\"\u003E\u7acb\u5373\u7533\u8acb \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
  • 美亞保險:單次旅遊保單每支付HK$6可獲1「亞洲萬里通」里數;全年旅遊保單每支付HK$4 可獲1「亞洲萬里通」里數。
  • 安达保險:單次旅遊和全年旅遊保費享七折優惠

AIG的基本家庭計劃是最便宜的家庭選擇。即使該計劃對行程取消或延誤不提供任何賠償,並且醫療和意外事故的承保額遠低於平均水平,但對於想要節省金錢同時仍能保障自己免受財務損失的家庭,是一種低成本的選擇。希望獲得更多保障的消費者可以選擇AIG標準家庭計劃,這是僅次於基本家庭計劃最實惠的選擇,提供更高的賠償並能保障行程延誤。

STARR和交通銀行的計劃比AIG的兩個首選計劃都稍微貴一些,然而它們亦比AIG的基本計劃提供更多的意外保障,但都沒有提供行程取消的保障。儘管如此,與亞洲1周家庭計劃的平均保費HK$496.05相比,它們的保費仍比市場上大多數計劃便宜。

最後,Chubb的基本計劃雖然沒有在特定的保障範圍內脫穎而出,但它仍然屬於價格非常低廉的選擇,與AIG的基本計劃相比,意外保障額略高。

常見問題

旅遊保險是一種金融產品,可以在旅行前購買,以保障自己免受行程中可能發生的財務風險和損失的傷害。所有旅遊保險計劃(甚至是最基本的旅遊保險計劃)都提供人身意外和醫療費用的賠償,保費較高的計劃則可以提供更高的賠償金額並涵蓋更多的事件。

雖然大多數旅遊保險保單通常都有類似的例外情況,但有些可能會涵蓋某些其他計劃所不保障的事件。以下我們列出了一些最常見的例外情況,但您應該閱讀特定旅遊保險計劃的保單條款,以了解所涵蓋和未涵蓋的保障項目。

已有情況參加專業或有償體育活動
精神障礙由於政府禁令或規定而導致的損失
分娩和相關疾病由於受保人的體力勞動而導致的損失
牙科保健故意暴露在特殊危險情況中
到保險公司指定的國家旅遊到處於戰爭狀態的國家旅遊

購買旅行保險與否是個人決定,但假如您決定購買旅遊保險,通常最好是在旅遊前在網上購買保單,以獲得潛在的促銷優惠。您可以在出發前一天購買旅遊保險,但提前購買可以讓您有更多時間挑選最佳選擇。

大多數旅遊保險索賠可以經保險公司的網上平台提交。您也可以透過寄送任何相關文檔的副本以郵件提出索賠。您應盡快提出索賠,減低索賠失敗的可能性。

其他選擇

如果您想要獲得旅遊保障,但又不想購買特定的保單,也可以經以下方式獲得免費的旅遊保險。例如,幾張里數信用卡提供每次航班的免費旅遊保險。提供這種福利的卡可能需要支付昂貴的年費,但它們同時允許持卡人每次購物中賺取里數,並大多為海外消費提供升級里數獎賞。

研究方法

我們從20多家保險公司收集了數百項資料,以對香港的旅遊保險提出獨到的見解。我們收集的資料包括人身意外、醫療費用、緊急疏散、行程取消、縮減和延誤以及個人行李、金錢和旅遊證件的保障。我們還根據承保期間(1週、2週和每年)各自收集保費資訊。其後,我們比較了不同計劃的平均成本和福利。以下是我們分析過其產品的保險公司列表。

AIG美國運通藍十字大新豐隆平安日本財產保險
友邦安盛中銀星長滙豐保誠STARR
Allianz交通銀行ChubbFWD富衛利寶QBE蘇黎世
世聯保險東亞Citibank恒生三井住友

為了找出旅遊保險的首選,我們分析了許多因素。我們確定了醫療/意外保險的兩個主要類別,以及保障旅遊不便的條款(行程取消、延誤、限制、行李丟失等)。其後,我們為每個類別計算出一個成本效益比,透過平均權衡類別並比較各個保險計劃的相對價值,我們便能夠確定哪些計劃提供了最低成本的最大保障額。

Stephen Lee

Stephen Lee is a Senior Research Analyst at ValueChampion Hong Kong, specializing in insurance. He holds a Bachelor of Arts degree in International Studies from the University of Washington, and his prior work experience include risk management and underwriting for professional liability and specialty insurance at Victor Insurance. Additionally, Stephen is a former US Peace Corps Volunteer in Myanmar (serving between 2018-2020), where he continues to provide business development consulting services to HR companies in Asia Pacific.