China Times (www.chinatimes.net.cn) reporter Wu Min Beijing reported
National Day holiday has arrived, and many citizens have planned travel and play strategies. Insurance salesmen also began to promote their own products, "Come and get travel insurance during the National Day holiday", "Essential short-term tourism insurance", "National Day 8.8 epidemic prevention insurance is worth owning"...
"It is still very necessary for travelers to configure insurance." Li Wenzhong, deputy director of the Department of Insurance of Capital University of Economics and Trade, said in an interview with a reporter from " China Times ": "When you go out, especially during the period of large-scale concentrated travel such as the National Day holiday, whether it is transportation, tourist attractions, or meals, accommodation, business units are generally in a high-load operation state, and the probability of accidents has increased greatly. Therefore, it is recommended that tourists configure necessary insurance before traveling."
So, how to buy short-term tourism insurance during National Day travel? What issues should be paid attention to during the insurance process?
Essential accident insurance and epidemic prevention insurance
During the holiday travel, due to the existence of various uncertain factors, the risk of accidental injury also increases. For example, colds, fevers, digestive system disorders caused by long-distance stumbling blocks, etc. At the same time, the number of cars and people during holidays is also a period of frequent traffic accidents. Traffic regulations need to be followed to ensure safe travel. In addition, the domestic epidemic has been circulating in many places recently, and the prevention and control situation is complex. If there is a risk of epidemic-related incidents in the travel destination, control measures need to be implemented on the spot as required.
Huize Insurance Brokerage Chief Product Officer Wang Yin told the reporter of the China Times that holiday consumption involves risks such as tourism safety, food safety, traffic safety, outdoor sports safety, consumption protection, etc., and the related insurance protection will inevitably receive more and more attention, mainly focusing on tourism insurance, transportation insurance, and consumer insurance. Three points to pay attention to when traveling during the National Day holiday: travel destination, travel projects, and travel tools.
"If it is a city tour, you need to choose insurance for traveling in this city. This city refers to the municipal administrative area where the insured's daily residence or daily work place is located. If the itinerary contains diving, swimming, rock climbing, pulleys and other items, you need to choose a travel insurance that includes high-risk sports; if you choose to ride a bicycle, drive a self-driving tour, rail transit, and air travel, the protection required is different, and insurance can be configured as needed." Wang Yin said.
In Li Wenzhong's view, the first thing that needs to be configured is travel personal accident insurance. Secondly, it should also be considered as the risk of losing deposits due to an accident that may cause the booked hotel to be unable to check in on time and the insurance can be cancelled. Finally, you can also purchase insurance for your luggage if necessary.
Xia Qiuyu (pseudonym), a professional life insurance planner of a foreign life insurance company, told the reporter of the China Times: "Short-term travel insurance is mainly purchased according to needs. In addition to personal accident insurance for travel, you can also purchase isolation insurance if you travel for a long distance to avoid economic losses caused by the prevention and control needs. It is best to purchase them for special purposes, which can avoid disclaimer clause ."
In recent years, more and more citizens have chosen to travel by themselves, but this also faces the dual risks of personal safety and property losses. At this time, a driving and riding insurance is indispensable. For example, Ping An Pension Insurance launched the "Anxinfu 1 Yuan Driving and riding insurance (exclusive to the Internet), which can be covered by 1 yuan premium for one month, and can also customize the travel date. Both driving and riding can be protected, with a maximum coverage of 100,000 yuan.
If it is a long-distance trip, citizens generally choose to travel on planes, trains, ships, and cars. In this case, in addition to the aviation accident insurance purchased with tickets on travel platforms such as Qunar.com, many travel insurance accident insurances on the market cover the "package" protection responsibilities for accidental death/disability by planes, trains, and ships. For example, the "300,000-year-old accident insurance version" covered by PICC Property Insurance, a policy allows the whole family to share a 2 million yuan protection, and also provides three road rescue services, with the premium of only 6.6 yuan per month.
is aimed at high-risk game projects, such as the Supreme Edition of "Changwan Domestic Travel Insurance" launched by Zhongan Insurance . 14.5 yuan can be covered by 1-2 days. In addition to underwriting high-risk sports such as diving, water skiing, driving or riding paragliding , rock climbing, etc., it also includes accidental death and disability with a coverage of 500,000 yuan, accidental medical compensation of 100,000 yuan, etc., and the product also includes bank card theft and personal liability in the scope of protection.
Recently, domestic epidemics have spread at many points, and citizens are often more concerned about epidemic prevention and control policies at the destination and route. If there is a risk of epidemic-related problems, control measures need to be implemented on the spot as required. When returning, they must also report in accordance with regulations and actively cooperate with epidemic prevention and control work. Therefore, before traveling, citizens can check the epidemic risk levels and prevention and control policies across the country through the State Council client mini program. If you are unfortunately "hit", you can avoid economic losses by taking out the relevant "quarantine insurance" in advance. For example, the Huatai Anti-epidemic Insurance for Huatai Insurance can choose to cover 30 days or 60 days. Taking the 30-day version as an example, the premium is 8.8 yuan. If centralized quarantine is used, you can subsidize 200 yuan per day, and a maximum subsidy of 14 days can be paid. If you are diagnosed with new coronavirus pneumonia, you can pay 3,000 yuan.
It should be noted that the centralized isolation allowance for Huatai Anti-epidemic Insurance is to protect passengers (including themselves) who have positive nucleic acid in the same car (car)/flight when taking public transportation during the insurance period, resulting in the insured being centralized and unified to a designated hotel or hospital or other isolation points for isolation, and does not guarantee unified isolation for entry from abroad. In addition, the product also includes 200,000 yuan in insurance against the new crown vaccine, and 500,000 yuan in insurance against the vaccination, as well as 500,000 yuan in insurance for accidental death and disability in traffic such as airlines, rail transit, ships, cars (passenger cars limited to commercial operations).
AIA Insurance launched a free insurance event during the National Day holiday. In addition to receiving common personal accident insurance for free, you can also receive sports insurance and pet insurance. It can not only protect accidental injuries such as Lu Chong, Frisbee, football, skiing, camping, etc., but also protect accidental injuries such as cat catching dogs and biting.
Insured, you need to be vigilant about "falling into pits"
Because there are many insurance products on the market and the terms are complex, consumers are also prone to "falling into pits". Li Wenzhong reminded that when taking out insurance, consumers must first choose the most suitable insurance product based on their travel plans. Some insurance products with too single protection responsibilities may not be able to meet tourists' travel protection needs during the National Day. At the same time, you need to carefully fill in the insurance policy , fulfill the obligation to truthfully inform , and carefully fill in the insured, insured and beneficiary information to avoid disputes during claims. In addition, it should be noted that only parents can insure personal accident insurance for minor children, and the total insurance amount (including personal insurance products purchased in the past and are currently in valid period) cannot exceed the standards stipulated by the regulatory authorities, and the excess part cannot be covered.
So, what are the misunderstandings about insured insurance during the National Day holiday? What should you pay attention to during the insurance process?
Wang Yin pointed out to the reporter of the China Times that some citizens believe that traveling with groups already has travel liability insurance, so there is no need for individuals to buy it again. But the reality is that some travel agencies do purchase travel liability insurance for tourists, but this type of insurance is not mandatory insurance. Secondly, the guarantee amount is low. The travel agency liability insurance limit for each tourist is no less than 200,000 yuan. This requirement is stipulated in the " Travel Agency Responsible Insurance Management Measures " issued in 2010. Judging from the current economic development level, the minimum amount of 200,000 yuan is already relatively low; in addition, the coverage is small. Usually, travel agency liability insurance does not include death, disability and medical responsibilities caused by tourists' own illness, accidents caused by tourists' personal reasons, and accidents caused by tourists' failure to participate in activities organized by tourists. To sum up, consumers must carefully check their insurance coverage before traveling, and they must still configure some personal travel insurance on their own.
Some citizens also think that travel insurance products are single and have low selectivity. In this regard, Wang Yin pointed out that there are many types of subdivided plans for tourism insurance products, and they need to be carefully selected according to each person's different situations.For example, single-time journey plans, multiple-time journey plans, travel interruption plans, all-inclusive plans, family travel plans, companion travel plans, etc., choose the most economical and practical ones according to everyone's travel habits and travel plans.
Since travel insurance is accident insurance, citizens often think that they do not need health notifications. But generally speaking, the travel insurance has fewer exemptions and the protection is relatively simple. However, when purchasing, consumers still need to read the terms carefully and strictly follow the insurance process. "If you have a serious medical history, you need to inform your health during the insurance process. You must be informed truthfully. If you conceal your historical condition and save some insurance premiums, the insurance policy may be invalidated." Wang Yin said.
There are also many citizens who have bought travel insurance but do not pay attention to time and responsibility. In this regard, Wang Yin emphasized that when purchasing travel insurance, you must pay attention to the coverage time and coverage liability. On the one hand, the insurance period of travel accident insurance should match the travel time. The effective date of travel insurance is usually 2 days later. It is recommended to purchase 1 day in advance and confirm the coverage period of the selected insurance before traveling. On the other hand, the protection responsibility may need to be matched. For example, if you want to ride a motorcycle for self-driving tour during the National Day holiday, there will be emergency rescue during the trip. Do not choose a simple motorcycle riding insurance. You can use additional insurance or other insurance types to meet the protection needs.
