Traveling still need to buy insurance? Of course you have to buy it, because various unexpected situations will also occur during the trip. Don’t just think that traveling is more fun, just have fun, and don’t consider your own safety issues. Whether it’s traveling in a group or a self-driving trip, remember to buy travel insurance before traveling.
Currently, there are many types and terms of travel accident insurance on the market, but don’t buy them all, and there is no need to buy them all, and some of them are not very useful. There are three main items related to our travel!
1, medical insurance
medical insurance includes medical transportation, death treatment or body repatriation, etc. Ensure that you can get assistance as soon as possible when you encounter accidents or sudden illnesses abroad. Travel is much safer now than before, but you can’t feel that you won’t get any injuries at all. Unexpected injuries can happen occasionally, because you will inevitably have to take transportation, travel equipment, etc. during the trip. Now even taking trains, high-speed rails, and airplanes will have this type of insurance. Although it is optional, it is still worth spending a few hundred yuan for your own sake.
2, Accidental injury protection
Accidental injury insurance In addition, according to your own needs, you can also choose whether you want to include lost, damaged, stolen items, cancel air tickets, hotels and other related guarantees. Many people want to know how travel accident insurance is compensated? What is the scope of compensation? Let's answer.
Travel accident insurance mainly pays for accidents during the trip. These accidents are mainly caused by sudden and non-human factors. The scope of compensation specifically includes the following aspects:
1. Compensation for personal injury or death caused by accident during the trip;
2. Compensation for medical expenses caused by the treatment of injuries and acute diseases;
3. Compensation for expenses required for death treatment or repatriation of remains;
4. Compensation for loss, damage or stolen luggage items carried by tourists;
5. Compensation for third party liability. According to the basic standards of the compensation amount of tourism accident insurance, there are specific regulations on inbound tourism, outbound tourism and domestic tourism; if a travel agency applies for insurance for domestic tourists in China, the insurance amount of each tourist shall not be less than RMB 100,000. When applying for tourism accident insurance for foreigners who travel inbound and Chinese who travel abroad, the insurance amount of each tourist shall not be less than RMB 500,000. If an accident occurs during the travel period, the tourist will obtain the full, half or part of the insurance amount according to the regulations depending on the specific circumstances. Insurance like
is a guarantee for yourself and your family. We cannot ignore important protection just because we pay more than ten yuan.
3, emergency rescue service
If you are involved in high-risk projects such as rock climbing, skiing, diving during your travels, it is recommended to purchase a special outdoor sports high-risk accident insurance. This type of insurance is suitable for friends who like outdoor sports and team activities. The dangers of extreme sports are still very high, including outdoor activities such as mountain climbing. It is easy to encounter dangerous environments outdoors and can call for emergency rescue, but this type of rescue requires a fee, so it is necessary to purchase this type of insurance.
Currently, 1 15 popular travel insurances in the market. You may not have bought some products, and you may have heard of them. Whether you have heard of them or not, let’s learn about these insurances together:
Some of them can only be used for domestic tourism, but some include the scope of foreign tourism. No matter whether you travel frequently or not, don’t save this cheap travel insurance fee. Travel, especially in self-driving tours or free travel activities, no one can guarantee that there will be no accidents. According to your own travel choice, you can also choose the corresponding insurance service. This is a kind of life guarantee for yourself.
