[問題] 額外買旅遊平安/不便險的目的 ?
大家好
年底打算要去日本玩個五天
最近在想需不需要額外買旅遊平安險和旅遊不便險
因為之前買機票是刷信用卡(聯邦銀行無限卡),已經有送一些相關的保險了
簡單摘要一下:
旅遊平安險
公共運輸工具期間
身故或殘廢: 5000 萬元
移靈費 : 5 萬元
傷害醫療費: 300 萬元
海外全程保障
身故或殘廢: 1000 萬元
移靈費 : 5 萬元
傷害醫療費: 100 萬元
旅遊不便險
班機延誤 : 1 萬元 ~ 2 萬元
行李延誤 : 1 萬元 ~ 2 萬元
行李遺失 : 5 萬元 ~ 10 萬元
劫機 : 5 千元
旅行文件遺失: 5 千元 ~ 1 萬元
行程縮短 : 3 萬元 ~ 6 萬元
個人責任險 : 10 萬元
請問還需要自行去保旅遊平安險和旅遊不便險嗎 ?
爬文看板上很多人都是自己再去保國泰或是富邦的
是覺得信用卡送的保障會不夠嗎? 還是理賠的條件比較嚴苛呢?
另外,若自行再買保險,相關證明文件是不是都要準備兩份?
謝謝
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