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January 11, 2014

長期滞在でも海外旅行保険ってバラして安価に何年か契約できる。

tacchyです。

威力あるクレジットカード(海外旅行保険、マイル)

という記事を書いたのですが、かなり問い合わせがありました。

特に海外旅行保険。

今後も検索でそうだと思うので、記事を一本流します。

私が扱っている放射能からの避難海外移住では、それはその方々のプライベートありますから詳細を書くことができませんが、特に年収も余り関係なく「スルガ銀行クレジットVISAゴールド」が殆ど、他のケースもあるけど。在住しても、ずっと継続できますからね、日本に「居所」と「口座」があって手数料などの引き落としが常に決済できてれば。

だから、他のことは書いてないし、他の手段は模索する必要がないのです。が、それができないというお話がいくつかあります。それで私は経験談だけを書きますが、これは現在でも可能だろうけど具体的なトコが不明なので、それは調べて頂きたいですね。調べるっていっても、ググるは、あんまり有効じゃないケース多いですから、業界に接触とかも必要かもしれないですね。

いわゆる一般的な日本の海外旅行保険。凄く高いです。あれはパッケージになっていて必要ないものが多いからです。

パッケージなんです、つまり、元はバラバラの単体がある。その単体だけを購入が私は何度かした。

長期となると、切実に必要なのは「疾病」「障害「搬送」くらいじゃないですかね。「搬送」は掛け金が凄く安いけど、チャーターのヘリコプターとか使えるから、フィリピンなどでリゾートは在住者でも楽しみですよね、そういう医療的に僻地で極めてパワーがある。

フランスに5年以上いた時は、関西の旅行代理店でバラシて購入、継続できたけど、もうその旅行代理店はないし、そもそも私が記憶が薄れすぎているから詳細不明。

約20年前ですが、東京都港区虎ノ門に「瀬尾社長」が経営する「東京トラベルサービス」という会社がありました。ぐぐると同名の会社いくつかあるが、これ違うな。瀬尾社長が絶対にキーワードです、手腕が高い経営者でそれでもっていた会社。ここは、フライトに関しては、正規運賃(ノーマルチケット)のみの販売、そして現地での手配を独自にする会社。いわゆる普通の海外旅行代理店と全く違う。パッケージツアーなんて一切扱わない。独自路線。数人のスタッフですが、格調高い。スキルの高いエージェントとして際立っていた。瀬尾社長から何度か高い寿司屋奢ってもらいました。

ここは、AIUの海外旅行保険の代理店でもあった。

そもそも海外旅行代理店は全てが海外旅行保険の代理店であって、何社か扱っていたりするはず。

AIUの直接販売では単体販売は無理。直販がもう代理店の目あるので消極的です。

ここは推測ですが、他の保険会社も直販では難しいのではないだろうか。

AIU代理店で私は明確にバラシて販売してもらった。そういう代理店を探すのが重要ですね。

そもそも私が約20年前にフィリピンに初渡航した時、瀬尾社長に手配を依頼したけど、いつ戻るかわからなかった。

「疾病」「障害」「搬送」にかけた。価格は世界のエリアで違う。アジアなら保険会社でも違うだろうけど、これらで一か月3000円位。当時は、ということです。「アジア」とかのカテゴリーなので一国だけじゃなく応用できるのですよね。しかもとりあえず二か月かけて、実際にフィリピンにもっといることになったので、国際電話で延長を依頼した。もちろんできた。

ほかの国でもやってもらいました。

クレジットカードがどうしても無理なら、この手はあります。

ただ、これ以降、年齢でゴールドカードをゲットできたから(あの頃はうるさくて30歳以上)、クレカ附帯の保険ですけどね。

金額は、スルガVISAゴールドの年会費よりちょっと高いですけどね、またスルガだと、いわゆるパッケージで全てが保障されるんですけどね。それはおいて、またもう少しの値上げは十分にありえる。だが、人によっては、これで安い、となることもあるでしょう。

瀬尾社長が率いる東京トラベルサービスが今はどうなっているのかわからないのが残念です、屋号変更とかありえますしね。移転でも、最低限、港区だけは外していません、それは断言できる。理由は長いから省略。非常に先見性のある経営者で20年前に今後はインターネットがメインになり、既存のエージェント(そこは、特殊で、一般のエージェントではないけど)はなくなる、といって、ネットやシステム言語の勉強までしてましたから、何にか別な形や名前で存続していると思うのですよね。あれだけの経営者はそういない。

これが追跡できれば一番いいんですけどね。

どこかで、そういう代理店、他でもあるはずですけどね。はず、じゃなくて、絶対に。

具体例の法人名なくて申し訳ないんですけど。私は実体験を流すしかできない。

絶対にある、ただ少数派の可能性が高い。それは探してみてください、としか、申し訳ないけどいえないのです。

ネットに情報ない可能性は高いので、足や人脈などを使う必要あるかも、ということ。

特に外資保険会社の代理店でしょうね、日系は厳しい気がする。勘だけど、実はそこそこ業界の裏をしっているので、それなりの根拠がもやもやと。あったらすみません。

一般的な話、ググるは全く万全ではない、まだまだ300年早い。一つの例えでいえば、日本なら国会図書館にいくとか、真剣に調べようと思えばそういうものです。、

↓クリックでランキングにご協力をお願いいたします。

にほんブログ村 海外生活ブログ フィリピン情報へ

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