(Jinan Jiefang Pavilion, picture from the Internet)
Many people choose to travel every year during the National Day holiday, because it is rare to have such a long holiday. Whether it is with family or relatives and friends, you can not only enjoy the local beauty and taste delicious food, but also spend the holiday with the closest people. This is the happiest thing.
Before traveling, everyone will prepare some travel items for emergencies. If you invest in a travel insurance before traveling, it can make our journey more secure and safe.
A friend asked, do I still need to buy travel insurance if I have accident insurance? Travel insurance has some protection responsibilities specifically designed for travel, and these responsibilities are not available for accident insurance, so friends who have accident insurance should add another point of travel insurance before traveling.
Today we will first look at what accident insurance has. We will briefly talk about what you should pay attention to when choosing a suitable travel insurance.
(a travel insurance specifically for traveling in Taiwan)
1. What accident insurance does not contain?
1. Emergency rescue
Most travel insurances include emergency rescue services, especially outbound travel. If an accident occurs, medical transportation and return is required, and self-driving tours require towing and repairing vehicles, you can contact the insurance company as soon as possible to get assistance.
2. Medical Responsibility
Accident insurance only includes accidental medical care, but travel insurance also includes medical expenses incurred due to illness during the trip. Moreover, the medical liability for overseas travel insurance can include overseas, and naturally there is no limit on the scope of social security. Some travel insurances can also enjoy direct payment and advance payment functions, which is equivalent to getting high-end medical services.
3. Personal responsibility
When you arrive in a strange place, you are unfamiliar with the place. You will inevitably suffer financial or personal damage to others due to personal mistakes. For example, if you accidentally break the vase of the British Museum, or if you accidentally hurt someone, the insurance company can be responsible for compensation.
(an overseas travel insurance, including emergency rescue, overseas medical care, financial losses, personal liability, etc.)
4. Personal financial losses
Home in most cities in China are still quite safe, but some countries are rich in pickpockets. If they are stolen or robbed during travel, they can get compensation within the scope of travel insurance liability. But remember to contact the local police as soon as possible to report the case and leave evidence of the case.
5. The itinerary is delayed or changed
. The itinerary is set, and the air ticket tickets and hotels are arranged, but the itinerary has to be cancelled due to accidental reasons. If the originally scheduled air ticket ticket cannot be refunded, the lost money can be compensated through travel insurance.
6. High-risk sports
Comprehensive accident insurance generally excludes high-risk sports. If you want to perform high-risk sports such as skiing, diving, rock climbing, etc., you must choose a travel insurance that includes high-risk sports protection.
(a travel insurance that underwrites high-risk sports)
2. What other precautions should be paid attention to when choosing a travel insurance
Choose a suitable travel insurance and ask yourself a question first: "Who goes, when to go, when to go, where to go, and what to do". Only by understanding these questions can you choose a travel insurance that suits your travel purposes.
1. Whoever goes, it involves who to insure: the age limit for travel insurance is relatively loose, and most people can invest in it aged 0-90. However, some liability insurance for people over 70 years old is reduced by half, such as medical compensation.
2. When to go and when to go back, it involves insurance time: be sure to take out insurance at least the day before travel, and the entire itinerary must be fully covered during the protection period. Simply put, it must be guaranteed from the time from leaving the house to entering the house.
3.Quan Na, it involves investing in domestic, overseas, or cross-border travel insurance. In addition, some countries and regions are not covered by the coverage, so you should also pay attention to this.
4. What to do? Travel insurance for travel and studying abroad, and the travel insurance you have to take out in your work is also different. Pay attention to the distinction.
5. Whether it contains high-risk exercise protection, as well as a detailed description of the protection responsibility (for example, high-risk exercises with a tendency to commit suicide are also not guaranteed).
6. Is there no limit on the social security scope for medical reimbursement?
(a travel insurance with outstanding emergency rescue responsibility)
OK, the above is a brief introduction to travel insurance. Due to different protection responsibilities, the prices of travel insurance vary. The cheaper ones cost less than 1 yuan a day, and the expensive ones cost hundreds a day. If you happen to have a travel plan, or have a travel plan in the future, and want to configure a travel insurance but don’t know where to start, please contact me to choose for you.
Finally, I wish you all a happy National Day holiday. See you next time.
