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有几年没回中国了，在澳洲没有任何呼吸道的问题，耽心回去雾霾天会诱发急性呼吸道感染，耽心症状会重大，所以买旅行保险前征询了保险公司，这类状况能不克不及cover, 这是保险公司的解释：
Unfortunately, we do not cover you for any kind of medical expenses that you are expecting or may expect when you are travelling overseas. We only cover Unexpected and Unforeseen medical expenses that you are not aware about before you travel or at the time of purchasing this policy.
大家感觉这个“you are expecting or may expect when you are travelling overseas”的解释是否很狡黠，甚么叫you are expecting or may expect，当初香港在闹流感，那是否你去香港前耽心传上，就叫are expecting or may expect了，所以万一真的流感了很重大，保险公司也不会保的？都知道中国车多人多，那末要是耽心车祸甚么的，是否也属于 are expecting or may expect when you are travelling overseas，万一出了问题照这解释也能够不cover, 保险公司这么解释公道吗？
注：我征询前看了保险的条框，外面没有看到“you are expecting or may expect when you are travelling overseas”这样的文字 |
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