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With worries about student debt and the graduate jobs market, young people are choosing to increa their savings and improve their CVs ( 简历 ) by working abroad on gap years. However, experts warn that students, as well as older “grey gappers”, who are hoping to earn money during an extended overas holiday , should check their travel insurance small print or face being denied a payout if they fall ill or have an accident during a work placement. Travel insurers do not clearly define the type of work they cover for tho taking gap years, according to rearch by Fletchers Solicitors, which specialis in rious personal injury. The insurer says that it handles veral cas a year of workers and their families facing an uncertain future becau of insufficient protection. The Fletchers rearchers studied the small print relating to work in gap-year insurance products from ten student insurers. They found that it was difficult to determine the types of work that were covered, with the majority failing to distinguish between manual and light labour. For example, Real Gap insurance states that it covers manual work and occasional light manual work, but it does not define what “light” or “heavy” manual work is, nor what is mea马塔迪
drawing是什么意思nt by “occasional”. There are two main insurance options for tho taking an extended trip abroad : specialist gap-year insurance products and long-stay travel insurance. The first usually caters for younger travellers, with some policies having a maximum age of only 35, and most will include cover for working or volunteering abroad in some capacity. Long-stay insurance, meanwhile, tends to protect tho who have straightforward long trips—people who spend their summers in France, for example. There are exclusions to check in both policy types—trip duration, for example, which can vary from 31 days to two years. If you are taking a fancy camera, smartphone or your MacBook, make sure you’re covered if they are lost or stolen—some policies offer a emingly high baggage limit, but offer only very low upper limits for single items. Also, be sure you are covered for activities undertaken in your leisure time that may be considered risky, such as cycling or bungee jumping.企业财务通则
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