一下是某一间保险公司的说法
For each Insured Person, the Company will pay:
Up to RM20,000 per Insured Person for Adult Plan/Adult Annual Plan/Senior Citizen
Plan/Child Plan/Child Annual Plan and up to RM50,000 per family for Family Plan
for the reimbursement of the unused and non-refundable part of the Insured
Person’s Trip in proportion to the unused days paid or contracted to be paid by
the Insured Person having to return to Malaysia in the event of necessary and
unavoidable cancellation by the Insured Person during the Journey. The refund for
accommodation will be based on each day of the Journey the Insured Person has
lost. A proportion of travel expenses will be refunded only if the Insured Person
cannot use the return ticket and is claiming return travel expenses under other
Sections of this Policy.
The above benefits are payable in the event of the following:
(a) Travel Curtailment due to the Insured Person’s death or confinement to
Hospital for the duration of the Journey as a result of bodily Injury or Illness;
。。。。
(d) Travel Curtailment due to death or confinement to Hospital due to bodily Injury or
serious Illness during the Journey of the Insured Person’s Travelling Companion.
In the event of Travel Curtailment, compensation for the irrecoverable prepaid charges
or expenses would be computed on the basis of each completed day from the day of
arrival back in Home Territory to the scheduled return date as shown on the booking
invoice.