Credit card stolen on the way to travel insurance “umbrella” is indispensable
In recent years, due to the convenience and speed of bank cards and credit cards, timely remittance, and smooth network, they have already become necessary equipment for mass tourism travel. However, all kinds of criminal activities targeting bank cards and credit cards at home and abroad frequently appear. “If you have swiped your card in Southeast Asia, the bank will tell you to go home and change your card!” This recent popular phrase on the Internet shows the credit card in Southeast Asia. The phenomenon of fraud is on the rise.
In response to the frequent theft and brushing of credit cards recently, bankers suggested that they should replace their credit cards as soon as possible after returning to China. However, not all banks can provide free card replacement services; in addition, it takes 15 working days to reset the card and replace it with a new card, and the risk of being stolen and swiped in the middle cannot be ignored.
So, how to defuse the losses caused by duplicated and stolen bank cards or credit cards during travel has become a matter of public concern. The reporter learned that domestic tourists can buy insurance to relieve their worries about the theft of bank cards.
Recently, Fengtai Insurance Shanghai Branch joined hands with Fubon Property & Casualty Insurance to launch the “Enjoy Taiwan Travel” travel insurance. In addition, two travel insurance products, “Excellent Youyou” and “Zhi Xing Tianxia”, are quite bright. The protection benefits of these insurances are extremely diverse. In addition to common travel protections such as personal accident, medical expenses, travel inconvenience, and personal liability, they also add several personalized insurance benefits such as loss of credit cards. Many policyholders are worried about the risk of loss and theft of credit cards when using credit cards overseas, and this insurance benefit solves such worries.
In addition, according to the reporter’s understanding, in response to the frequent occurrence of stolen credit cards at home and abroad, Zurich Insurance Company is also planning to launch “travel bank card theft protection” this year, which can compensate the insured for the loss of bank cards during travel. Or the loss of accounts caused by unauthorized use of bank cards by unauthorized persons.
In fact, with the diversification of travel risks, more and more travel-specific risks can be covered. For example, Fengtai Insurance has launched travel car rental insurance for overseas self-driving tours. “The vehicle insurance that comes with foreign rental cars usually has a high deductible. Travelers are more likely to have traffic accidents because they are not familiar with local traffic rules and road conditions. This insurance liability provides a way for friends who travel by car. Umbrella.” said the relevant person in charge of Fengtai Insurance Shanghai Branch.
In addition, for business travel insurance, Zurich Insurance has launched two additional insurances: additional credit card death protection and accidental injury disability. The product’s unique “Additional Credit Card Death Benefit” will reimburse the insured for the amount owed by the insured’s credit card up to the date of the accident when the insured dies due to an accident, up to a maximum of RMB 100,000; The accidental injury disability protection will provide the policyholder with a maximum of 500 yuan per day and a maximum of 90 days of disability allowance.
In addition to insuring the credit card, relevant experts on bank credit cards remind cardholders to protect their personal information and the last three codes on the back of the credit card (following the three numbers after the card number), because the last three codes are the “third code” of the credit card. “Second password”, which can prevent the card from being “cloned”, criminals voyeuristically obtain the credit card account information and copy the card, but if there is no last three-digit information, In some cases, even if the password is known, the withdrawal or consumption will be blocked by the ATM or POS machine refused.
In addition, cardholders can set a text message reminder for the consumption amount on the credit card, so that they can know the change of the amount in the card at the first time, and call the bank immediately if there is any abnormality, to avoid unnecessary losses. Finally, experts remind you to write down the service phone number of the credit card. If you find that the credit card is lost, you must report the loss as soon as possible, so as not to be madly stolen.
