摘要
根據觀光統計資料顯示，自助旅行及遊學風氣逐年提升，台灣人出國差旅人次逐年攀升，由此可看出旅遊市場深具消費潛力。雖然有些信用卡發卡機構因市場競爭的情況下，幾乎都有提供持卡人本人、配偶或其未滿25足歲之未婚子女旅遊綜合保險保障。通常持有的信用卡等級越高，保險的保障內容才越多，但保障內容卻無法選擇，故有些人為了增加保障，會再向保險公司多買旅遊不便險。 本研究首先分析旅遊可能發生的各種風險，接著分析旅遊不便保險之保障內容、不保事項及條件事項，並比較國內十五家產險公司旅遊不便保險之保障範圍及保單條款之差異性。本研究發現，國內十五家產險公司提供的旅遊不便保險，保障項目多寡存有一些差異，這些差異可以提供給消費大眾購買選擇之參考依據。而國外旅遊不便保險提供的保障項目及範圍則更為廣泛，亦可作為國內保險公司日後修訂旅遊不便保險之參考標的。
並列摘要
According to tourism statistics, more and more Taiwanese like self-service travel and study-abroad trips so the number of Taiwanese going abroad has increased year by year. Based on the statistics, there is great consumption potential in the tourism market. Due to market competition, almost all credit card issuers provide travel insurance coverage for the cardholders, their spouses and their unmarried children under the age of 25. Insurance companies provide the owners of high-tier cards with better insurance coverage, but customers are unable to determine their own insurance coverage. So in order to get more insurance coverage, some people may buy extra travel inconvenience insurance from insurance companies. This study is to analyze the various travel risks first and then to analyze the terms of travel inconvenience insurance including coverage, exclusions and conditions. This research is also to compare the differences of policy terms and riders among fifteen local non-life insurers. The differences can provide for the people to select coverage items for different travel risks based on the demand. The foreign policy with broad coverage items will also be a good reference for local insurers to revise their policy to cover more travel risks in the future.