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If the travel itinerary is affected by industrial actions, the key to travel insurance claims is "foreseeability"

2022-12-07T06:28:18.727Z

The Cathay Pacific Flight Attendant Union stated yesterday (6th) that it has been authorized by its members to act as a union and does not rule out taking industrial action during Christmas and Chinese New Year. The end of the year is the peak tourist season. Although citizens can purchase travel insurance when traveling abroad, they do not



The Cathay Pacific Flight Attendant Union stated yesterday (6th) that it has been authorized by its members to act as a union and does not rule out taking industrial action during Christmas and Chinese New Year.

The end of the year is the peak tourist season. Although citizens can purchase travel insurance when traveling abroad, they may not be able to claim for damages if they have to change or even cancel their itinerary in the event of a strike.


Some insurance industry pointed out that the time of insurance is the key, and some travel insurance clauses state that in the event of unforeseen strikes or other industrial actions, they are still covered.

Take the case of the Cathay Pacific trade union as an example. If the time for citizens to apply for insurance is before relevant news reports, they should still be insured.

However, the industry also emphasized that the insurance terms vary, and the public is advised to check carefully with the insurance company they have purchased.


▼On December 6, the Cathay Pacific Air Service Staff Union held an emergency membership meeting▼


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The Cathay Pacific flight attendant union is empowered by employees to take any form of industrial action during Christmas and Chinese New Year

Cai Yinghao, president of the Insurance and Financial Practitioners Rights Branch, pointed out that travel insurance mainly includes protection items such as cancellation of trips, early termination of trips, and changes to itineraries.

In the terms of these protection items, some travel insurance products will list unforeseen strikes, riots, civil disturbances, industrial actions, etc., and claims can still be made for damages to various specified interests.

Take the incident of the Cathay Pacific trade union as an example. If the citizens had already insured their future itinerary before relevant reports appeared, and then strikes or other industrial actions occurred, resulting in the need to change the itinerary, which would damage the interests of the insured (for example, the insured paid but unused and non-refundable accommodation and transportation expenses), citizens can file a claim.

Buying travel insurance after the strike news may not be able to claim compensation

Tsai Ying-ho continued to point out that if citizens take out insurance after relevant reports appear, it means that strikes or other industrial actions are no longer "unforeseeable", and they may not be able to file claims for various protection items in travel insurance.

However, he also reminded the public that the protection clauses are different, and it is recommended that the public check carefully with the insurance company they have purchased.

Luo Shaoxiong, president of the International Professional Insurance Consulting Association, also said that general travel insurance does not protect the impact of predictable events, and strikes are "negotiable matters." Usually, employers or employees will announce actions at a specific time.

If citizens plan to travel abroad, they already know that similar incidents will occur. They should pay more attention when booking air tickets and make their own considerations.

▼September 26, the situation on the arrival floor of the airport on the first day of the implementation of the entry quarantine "0+3"▼


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▼On October 7, Cathay Pacific held the first job fair for cabin crew after the epidemic▼


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▼Cathay Pacific layoffs on October 21, 2020▼


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The Cathay Pacific flight attendant union sent a letter to the CEO approving the remuneration while the aviation industry was recovering. Not at the same level as before the layoffs. In recent days, OT money has been reduced. Cathay Pacific has rarely violated the quarantine. Infection still awaiting judgment

Source: hk1

All news articles on 2022-12-07

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