|
Brunei
Cambodia
China
India
Indonesia
Japan
Laos
Malaysia
Nepal
Philippines
Singapore
Thailand
vietnam
travel tips
Free Consumer
Reports
|
CHINA
Insurance
It's essential to take out a good travel insurance policy. Bank
and credit cards (particularly American Express) often have certain
levels of medical or other insurance included if you use them to
pay for your trip. This can be quite comprehensive, anticipating
anything from lost or stolen baggage to missed connections.
If you have a good "all risks" home insurance policy it
may well cover your possessions against loss or theft even when
overseas, and many private medical schemes also cover you when abroad
- make sure you know the procedure and the helpline number.
If you plan to do some hiking, skiing or other adventurous sport
- not a very likely prospect in China - you'll probably have to
pay an extra premium; check carefully that any insurance policy
you are considering will cover you in case of an accident, and includes
a 24-hour emergency contact number . When choosing any policy, also
establish the level of excess , the initial amount of any claim
that you have to pay. In all cases of loss or theft of goods, you
need to contact the local police to have a report made out so that
your insurer can process the claim. For medical claims , you'll
need to provide supporting bills, though more comprehensive policies
will arrange for payment for treatment on the spot. Medical emergencies
aside, very few insurers will pay out at the time of a major expense
or loss; you will usually be reimbursed only after going home. Keep
photocopies of everything you send to the insurer and note any time
period within which you must lodge claims.
Before buying an insurance policy, check that you're not already
covered. |
|
|
