旅遊保險 - 意外受傷索償

回答:
1) 因我是第三天就在旅館受傷, 但我沒中斷我的旅程, 而一直繼續橕到墾丁再回港, 期間都一直只是在旅館休養, 沒去其他地方, 所以我是不是只能索償醫療費用 (包括意外後3個月內的洗傷口+藥物費用??)

你要有表面傷痕, 同要證明你的傷係係旅途中受傷, 另要係受傷後多數為30日來向保險公司提出

2) 我已於網上跟銀行登記索償旅遊保的-意外受傷, 其他的意外保險是不是也可以申請索償?? 是不是要預先通知??

要睇返你個人買意外保險係意外醫療費用定係意外住院現金, 意外醫療費用就實報實銷, claim完一間唔夠可以再claim另一間直到你盡保額為止, 住院現金就一定要住院先有得claim

仲有問題:
1) 你受傷後有冇報警?
2) 你有冇去醫院? 如有有冇保留收據?

理論上你係旅館受傷而原因係旅館方面問題, 係可以要求旅館作出賠償

上這個網, 搵人幫你跟..!!

網站:https://www.facebook.com/savingUnion

1. No, although what you have said is exactly the intend of the insurance company.

In order for you to prove your trip has interrupted by the accident, you must be able to prove that your condition does not allow you to continue the trip (but emergency evacuation is not needed). A doctor's report will be definitely needed.

2. Insurance allows supplementary indemnity, but not double indemnity.

So if the travel insurance will pick up 100% of the cost, you can't file another claim with another insurance company to get additional indemnity.

However, if the payment does not cover 100%, then you can ask another insurance company to pick up the difference.

意外保唔同旅遊保兩樣野來，意外保入面通常只有意外死亡，意外醫療，詳細最好問番你agent.你agent一定熟過我地啦，你買左咩佢最清楚claim唔claim到的。。問我地都係一知半解。正常只有旅遊保
claim到。