with worries about studentdebt的习题解析可编辑.doc

with worries about studentdebt的习题解析 With worries about student debt and the graduate jobs market, young people are choosing to increase 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 overseas 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 those taking gap years, according to research by Fletchers Solicitors, which specialises in serious personal injury. The insurer says that it handles several cases a year of workers and their families facing an uncertain future because of insufficient protection. The Fletchers researchers 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 meant by “occasional”. There are two main insurance options for those 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 those 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