The Japanese government suddenly announced yesterday (27th) that starting from Friday (30th), flights from mainland China, Hong Kong and Macau will only be able to fly to Tokyo Narita, Haneda, Kansai and Nagoya Central Airport, disrupting many plans to go to Fukuoka, Okinawa and Japan. Itinerary for Hong Kong residents in Hokkaido.
The Federation of Insurance Industries issued a statement today (28th) stating that the government's anti-epidemic decree is not insurable.
And another insurance industry also said that the government order is a non-insurable matter, and affected citizens cannot recover losses through insurance: "This time is special, there is no way."
▼On December 23, the airport reappeared the crowds of tourists▼
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COVID-19 coverage includes medical expenses due to diagnosis, early termination or cancellation of trips
The insurance union stated that the general travel insurance on the market will cover "flight delay or change of itinerary, cancellation or early termination of the trip" as an insurable event, but only for specific reasons, such as machine failure, bad weather, natural disasters, etc. Wait.
Since the government decree of epidemic prevention is an exclusion, travel insurance cannot provide relevant protection.
According to the Insurance Federation, based on the same principle, although the travel insurance policy provides extended coverage for the new crown virus disease, such as medical expenses caused by the diagnosis, early termination or cancellation of the trip, but because this measure is an epidemic prevention government order, it is not a risk that travel insurance can cover , and for the listed exclusions, it is recommended to inquire with service providers, such as airlines, and make appropriate arrangements.
▼On June 22, the first group of EGL tour in Japan▼
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Cai Yinghao, president of the Insurance and Financial Practitioners’ Rights Branch, said that in the insurance clauses, one of the exclusions applicable to all policies is a government order. The current situation in Japan is a policy change, which is a type of government order, so it is difficult to pass the loss. Insurance recovery, but there are a variety of travel insurance products on the market, and policies often change under the epidemic situation. It is not ruled out that some travel insurances clearly state the losses caused by policy changes.
He said that there are many travel insurances that include the epidemic, but they only cover the changes in the itinerary due to the epidemic before departure, or the epidemic during the trip. Although the government order cannot be covered by the insurance, it is recommended to be affected When traveling, you can check with airlines and hotels whether there is a compensation plan: "This time is special, there is no way."
Japan’s entry requirements｜Dongying Youji delays the implementation of restrictions on airlines or arranges auspicious planes to pick up Hong Kong residents. Japan’s entry requirements｜Hong Kong flights will only be allowed to land at 4 airports from Friday to Okinawa and other places to stop customs clearance｜Fosun allows mainlanders to arrive in Hong Kong Dr. Dafu Bitai pointed out that the private market does not hinder the supply of Hong Kong from customs clearance in the mainland｜North nucleic acid test is required in the north. Prepare
