东方网3月12日消息：据《青年报》报道，为减少意外损失，在澳洲游出发前，邢女士一家三口各花了120元买了美亚财产保险有限公司（以下简称“美亚保险”）的一份“安心游”保险，保单上称旅游行程受影响后的理赔费可达7500元/人。但他们澳洲游行程被当地天气搅局后向保险公司索赔时，却难以获赔。本报“老罗帮你忙”互动维权栏目热线记者现场采访后，保险公司称，由于邢女士未按要求提供材料，理赔程序难以继续开展。

News on March 12:According to the[Youth daily]reports,In order to reduce accident loss,In Australia before you leave,Ms. Xing each spent 120 yuan to buy three united property insurance co., LTD(Hereinafter referred to as the"Aiu insurance")a"Peace of mind to swim"insurance,Policy on called trip affected after settling fee of up to 7500 yuan/person.But their local weather spoiler Australian trips to insurance company claim for compensation,Is difficult to obtain compensate.This newspaper"Mr. Luo to help you busy"Interactive activist columns hotline reporter interviews at the scene,According to the insurance company,Due to ms xing does not provide the materials as required,Claim procedure is difficult to continue.

　出境游遇恶劣天气 Outbound tourism in bad weather

　　游客想理赔受阻 Visitors want to claim

　　1月19日，邢女士一家三口通过上海航空国际旅游(集团)有限公司（以下简称“上航旅游”）前往澳大利亚旅游，根据与旅行社所签协议，他们的游程至1月30日，游程包括凯恩斯、大堡礁等景点。出发前，他们通过上航旅游购买了美亚保险的“安心游”保障计划保险，每人交了120元保费。保单明确：“旅程变更”的最高赔付额度为7500元/人。

On January 19,,Ms. Xing 3 by Shanghai airlines international tourism(group)Co., LTD.(Hereinafter referred to as the"Shanghai airlines Tours")To travel in Australia,According to the signed agreement with the travel agency,Their feet, or 30 to 1 month,Tours include John Maynard Keynes/The Great Barrier Reef and scenic spots.Before you go,They travel through Shanghai airlines bought aiu insurance"Peace of mind to swim"Security insurance,Premium paid 120 yuan per person.The policy clearly:"Change the journey of"The maximum compensation limit of 7500 yuan/person.

　　但天公不作美，他们到凯恩斯后，当地刮起大风下起暴雨，前往大堡礁的行程被迫终止，他们不得不在凯恩斯的酒店里住了两天。因时间关系，整个游程中再没有去往大堡礁。之后，上航旅游给他们每人——包括没有买美亚“安心游”保险的游客，都退了450元。

But the god doesn't make the United States,After they went to the John Maynard Keynes,Local to blow winds up under the heavy rain,Go to the Great Barrier Reef trip was forced to terminate,They had to live in Keynes's hotel for two days.Due to time relationship,The feet, or no more in to the Great Barrier Reef.after,Shanghai airlines travel to each of them - including the didn't buy business"Peace of mind to swim"Insurance of tourists,All out of 450 yuan.

　　邢女士以为，除了退还的450元外，还能根据保单向美亚保险索赔7500元。回国后，他们便向美亚保险提出了理赔要求，并提交了有关材料。美亚保险回复他们称，根据《美亚附加旅行变更保险》规定，“将在扣除免赔额（如有）后，以保险单所载本附加合同项下该被保险人相应的保险金额为限赔偿该被保险人预付的实际未使用且不可退还的旅行费用以及其在旅行开始后，为前往旅行目的地或返回日常居住地或日常工作地而额外支出的合理且必需的旅行费用。”并要求他们根据这一规定继续提交有关材料。

Ms. Xing thought,In addition to the refund of $450,Can also according to the policy to aiu insurance claims 7500 yuan.After returning,They asked the aiu insurance claims demands are put forward,And submit the relevant materials.Aiu insurance reply, they said,According to the[Additional travel insurance change the United States and Asia]provisions,"Will be deducted from the deductible(If you have)after,Contained in insurance policy the insured under this additional contract corresponding prepaid insured indemnity the insured in the actual use and non-refundable travel costs and the after the start of my trip,To travel to destinations or to return to daily lives or reasonable and necessary daily work and additional travel costs."And asked them to continue to submit relevant materials according to this regulation.

　　邢女士说，他们看不懂这一规定，再次致电美亚保险时，对方反问他们是否已拿到了450元，他们肯定答复后，对方就说赔偿已完成。“我们这就搞不懂了：如果说这450元/人的费用是保险公司通过上航旅游理赔的，为什么那些没有买保险的人也从上航旅游那拿到了450元/人的退费？”

Ms. Xing says,They don't understand the rules,Aiu insurance when contact again,Ask whether they have got 450 yuan,When they must reply,The other said compensation has been completed."We don't understand it:If this is the cost of RMB 450 / person insurance company by Shanghai airlines travel claims,Why do people who don't have to buy insurance from Shanghai airlines travel that getting a refund of RMB 450 / person?"

　索赔遭遇重重限制 Claims suffered many restrictions

　　旅行社、保险公司“二选一” Travel agency/The insurance company"A choice"

　　3月6日，记者现场采访时，上航旅游相关负责人曹女士称，退给每位游客的450元，并非保险公司的理赔款，而是大堡礁的门票费，因行程受天气影响变更未能前往才给予退还。

On March 6,,Reporters interview on site,The relevant person in charge of Shanghai airlines travel cao said,Returned to each visitor's 450 yuan,Not the insurance company claims,But the admission of the Great Barrier Reef,Because of the change of stroke is influenced by the weather and failed to to refund.

　　“交了120元/人的‘安心游’保险费，在旅程变更后，虽然保单上显要位置写明最大理赔额可以达到7500元/人，但索赔的程序却遭到重重限制，120元岂不是白交了？”邢女士倍感失望。

"Pay the RMB 120 / person‘Peace of mind to swim’The insurance premium,After the change journey,Although most prominently indicated in the policy claim amount can reach 7500 yuan/person,But the claim procedure by many restrictions,120 yuan is not white?"Ms. Xing disappointed.

　　记者致电美亚保险投诉热线，对方于3月7日回复称，邢女士的索赔主张属于保险合同范围，公司自收到理赔申请之日起，一直积极与邢女士保持沟通，遵照保单规定，邢女士需提供具体的索赔内容及金额，包括相应的证明资料，理赔程序才能继续开展。期间，公司已指导邢女士如何获取相应材料以证明索赔主张，并已就此与旅行社进行沟通，但截至3月7日，邢女士尚未提供相应资料，因而无法进入下一步理赔程序。

Reporters call aiu insurance complaints hotline,Each other on March 7th reply said,Ms. Xing claims belong to the scope of the insurance contract,Company since the date of receipt of the claim,Has been actively maintain communication with ms xing,Comply with the policy provisions,Ms. Xing must provide and the specific contents of the claim amount,Including the corresponding proof materials,Claims procedures to continue.During the period,Ms xing company has guidance how to obtain the corresponding material to prove the claims,And have to communicate with the travel agency,But as of March 7,Ms. Xing has yet to provide the corresponding information,Thus unable to enter the next step claims procedures.

　　美亚方面称，希望邢女士提供能证明其“预付的实际未使用且不可退还的旅行费用”的材料包括：1、该次旅程实际未使用且不可退还的旅行费用的证明；2、已交的旅行费用正式发票/收据原件；3、导致该次旅程变更原因的证明文件。

Meiya said.,Hoping to prove their ms xing"In advance of the actual use and non-refundable travel costs"The materials include:1/The trip did not actually use and non-refundable proof of travel costs;2/Have to pay the travel costs of formal original invoice/receipt;3/Cause the trip change documents.

　　邢女士说，这些证明材料难以开具。她仔细研读《美亚附加旅行变更保险》规定后认为这是一个“二选一”的规定，如果她不能证明受暴风雨影响往返于凯恩斯酒店的额外支出是必需的费用，在旅行社已主动退还450元/人的大堡礁门票费的情况下，难以从美亚保险那得到理赔；只有在旅行社不退门票的情况下，保险公司才会赔那450元门票。由此，她基本放弃了索赔，并表示以后旅游再也不买这样的保险。

Ms. Xing says,These documents are difficult to open.She carefully read[Additional travel insurance change the United States and Asia]Think it is a after regulation"A choice"The provisions of the,If she can't prove that affected by the storm and from Keynes hotel spending is necessary additional cost,Active refund RMB 450 / person in travel agency has the Great Barrier Reef under the condition of admission,Hard to get claims from aiu insurance;Only under the condition of the travel agencies not refund tickets,The insurance company will compensate the tickets for 450 yuan.thus,She gave up the claim,He said tourism can not buy such insurance.