Travel insurance package subscription, ensuring information revealed poor

[Korea gimmingyeong financial newspaper reporter] revealed that the poor of information guarantee overseas travel insurance that comes with the package travel is required attention of consumers. The insured may not be eligible for mortgage guarantee does not include the actual cost of medical and disease, and death.

Typically customers package tours sold by travel agencies are affiliated with Combined travel insurance. Combined Travel Insurance is when you pay a currency exchange, international roaming, airline tickets, tours, etc. refers to the travel insurance provided additionally.

According to the Korea Consumer Agency showed that if it does not guarantee the Combined Travel Insurance disease deaths among the 81 products offered in the market more than a whimper than half to 67.9% (55). If less than 26 the rest of the 15 million won that product even death benefit guarantee disease mortality was 76.9% with the majority (20).

Some items are missing collateral, the actual cost of medical illness "that can receive treatment when ill during the trip amounted to 29.9% (29). Even let the guaranteed 19.6% (19) 200 to 300 million yuan, 9.3% (9) of 500 million yuan, 5.1% (5) is to the extent of 1000 ~ 3000 million won limit, came a lot of medical bills hanging on illness during travel even it appeared to be difficult to guarantee enough.

Consumers insurance policy before leaving on a journey through the check guarantee products and content that you subscribe to, and if necessary, can join other travelers duplicate insurance products. However in this case it is the principle that even small insurance insurers proportional compensation. For example in the event of a medical ₩ 300,000 from local discomfort that may be charged into the insurance each insurer.

Consumer Agency's' travel such as travel insurance providers will strengthen guidance on the core of the product and must deliver the goods with sufficient coverage and limits, he said.



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