一般建議從本島搭乘飛機至離島(如金門、馬祖)，再搭船班前往中國(如廈門、福州)的小三通旅客，可直接投保一張含蓋整趟旅程的國外旅遊險即可。

Travelers using the "Mini Three Links" (e.g., flying to Kinmen/Matsu then taking a ferry to China) should apply for a single international travel insurance policy covering the entire journey.