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「旅平險」不賠戰爭衝突 中東受災旅客損失慘重
發布時間：2026/03/01 16:39:11
更新時間：2026/03/01 16:39:11
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圖、文／上報
美國與以色列昨天（28日）對伊朗發動軍事攻擊，伊朗隨後展開報復行動，並傳出攻擊杜拜國際機場，導致中東局勢升溫，不少赴相關地區旅遊的民眾被迫滯留當地。對此，有旅客經詢問保險業務員理賠時，才得知一般旅遊平安險並不包含戰爭與軍事衝突。
根據《壹蘋新聞網》報導，有赴杜拜旅客原訂今天返台，卻因戰事影響航班全面停飛，原本期待旅平險可補貼額外開銷，向保險業務員詢問理賠時，才得知一般旅遊平安險並不包含戰爭與軍事衝突。
戰爭、內亂、武裝鎮變都不在保證範圍內
實際上，根據《旅行平安險示範條款》第10條明定，若被保險人因「戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂」致成死亡、失能或傷害，屬於保單的除外責任，但此部分是旅客投保時常忽略的條款。
不過，有保險業者建議，因旅平險排除戰爭責任，受困旅客可檢視「信用卡附贈保險」是否包含海外急難救助服務。部分高端卡別雖不賠償延誤費用，但可能提供法律諮詢或在非戰爭因素受傷時的醫療轉運協助。
這次中東領空關閉，不僅在杜拜等中東地區的旅客受到影響，不少自歐洲等地轉機的旅客也受到影響，為了順利返台必須另買機票，甚至等待期間的住宿費都要自行承擔，損失慘重。（責任編輯：殷偵維）
