[雙語翻譯]保險外文翻譯--馬來西亞的強制旅游保險一些監(jiān)管方面的考慮研究（英文）

1、 Procedia - Social and Behavioral Sciences 172 ( 2015 ) 344 – 351 Available online at www.sciencedirect.com1877-0428 © 2015 The Authors. Published by Elsevier Ltd. This is an open access article under the CC

2、BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer-review under responsibility of GLTR International Sdn. Berhad. doi: 10.1016/j.sbspro.2015.01.375 ScienceDirectGlobal Conference on Business co

3、mpulsory; risk; travel agent; challenges. 1. Introduction The utility of travel insurance as risk reduction scheme in international travel is one useful indicator on how modern socially sensitive society views their q

4、uality of life. Travel insurance covers the financial risk against unforeseen mishap that travelers are exposed to while on their holiday. Depending on the policy coverage, such risks include loss of baggage, loss of t

5、ravel deposit, trip cancellation, medical repatriation or evacuation, physical injury, bankruptcy of travel service providers, personal liability against tort committed to citizen of host country, legal expenses cover a

6、nd may cover almost any unforeseen situations that is not covered by typical policies such as terrorism and denied * Corresponding author. Tel.: +6-019-429-6509. E-mail address:ahmadafiqhasan@gmail.com © 2015 The

7、Authors. Published by Elsevier Ltd. This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/). Peer-review under responsibility of GLTR International Sdn. Berhad.34

8、6 Ahmad Afiq Hasan and Nuraisyah Chua Abdullah / Procedia - Social and Behavioral Sciences 172 ( 2015 ) 344 – 351 3. Extent of regulated travel insurance and its implications The imposition of travel insurance t

9、o Malaysian travellers is, to some extent, softly regulated (Ahmad making it a compulsory requirement as a matter of contract. Aside from travel insurance, UK travellers are encouraged to apply for European Health Insu

10、rance Card (EHIC), which is valid in all European Economic Area (EEA) countries including Switzerland. This card is not an alternative to travel insurance and some insurers insist travellers to become holders where re

11、dundant benefits from the travel insurance policy will be waived (“EHIC – European Health Insurance Card”, 2014). Consequently, the premium of travel insurance will become cheaper. While healthcare is free within UK,

12、EHIC enable travellers to get state healthcare at a reduced cost or sometimes for free including treatment for existing medical conditions and routine maternity care(“EHIC – European Health Insurance Card”, 2014). Cove

13、r for non-medical emergencies includes, replacing possessions or a lost passport (“Travel Insurance”, 2014). Travel insurance will cover other medical cost that is not covered by EHIC such as the cost for return to UK

14、if sickness delays the travellers (“Travel Insurance”, 2014). In Hong Kong, travel insurance is not mentioned under the Travel Agent Ordinance 2002 or in its accompanying rules thus, implicitly suggests that purchasing

15、 travel insurance before departure is voluntary in Hong Kong. However, the Ordinance establishes Travel Industry Compensation Fund, which covers the risk in respect of loss of tour deposit, physical injury and death wh

16、ile travelling abroad under a package travel. Such financial relief extends to expenses for medical, relative visitation and funeral. Apparently, the voluntary-based travel insurance approach as practiced in Hong Kong

17、is justified by the protection already accorded under the Ordinance. Malaysia had, previously, proposed to establish a fund known as Tourism Industry Compensation Fund (TICF) with similar vision to protect the interest

18、 of outbound travellers but there are some implementation concerns in the proposal that need to be reviewed (Ahmad either to purchase travel insurance or to rely on the Government assistance in tumultuous time, which in