The National Day holiday is near, have you planned a "travel that goes away"? Some institutions predict that the number of tourists on National Day in 2019 is expected to reach nearly 800 million. "When traveling, safety is the first priority." As people's awareness of insurance increases, the number of people buying insurance on a trip is also increasing. How should I buy insurance? What insurance can you buy when traveling on National Day? What should I pay attention to when taking out insurance? Here is a guide for you.
text | Wei Wei
01 50% of tourists are willing to purchase insurance
More and more people choose to travel on National Day, but the safety issues brought by tourism cannot be ignored.
Last year, the capsized cruise ship accident in Phuket, Thailand took away the lives of more than 40 Chinese citizens, making people feel the risks they may face when they are away.
Cruise overseas travel Source: China News Service Photo by Wei Wei
After various accidents, people's awareness of purchasing insurance is gradually increasing. "I will buy myself insurance when I go on business or travel. Although I have never taken insurance, I just want to buy it with confidence." Xiaohai, who has worked in Beijing for many years, told China News Service (WeChat ID: jwview) that she will purchase insurance through the insurance company's official website, which is simple and convenient.
Recently, the "2019 Tourism Accident Insurance Insurance and Claims Report" (hereinafter referred to as the "Report") released by Ctrip shows that nearly 50% of tourists are willing to purchase travel insurance , and about 30% of tourists "depend on the situation."
From the perspective of insurance channels, online shopping insurance has become the first choice for many policyholders. According to a staff member of China Post Insurance Company, online insurance is the mainstream during the National Day holiday and can be purchased at any time, but you need to pay attention to the time of the insurance taking effect, which usually takes effect at 0:00 the next day after purchase.
02 Travel accident insurance: Domestic travel start from 10 yuan, small expenses solve big problems
The former China Insurance Regulatory Commission once issued a travel insurance consumption tip saying that during travel, you may encounter personal injury, property loss, illness, loss of documents, etc. You can choose to purchase travel accident insurance before traveling.
The above report shows that from the actual probability of accidents (insurances/insurance purchases), the risk of overseas travel is generally greater than that of domestic travel, especially some long-term travel destinations (such as the United States, Africa, Europe, etc.) and island countries. The territory is mainly some border provinces, island provinces, or areas with high altitudes and relatively poor transportation and natural conditions.
China News Service checked several insurance companies' official websites and found that the premiums for travel accident insurance are generally low, with domestic travel starting at 10 yuan, while overseas travel slightly different due to different locations, starting at about 50 yuan. Taking Ping An Insurance's domestic self-guided travel insurance as an example, the insurance travel date is from October 1 to October 7, with a premium of 10 yuan, and the insurance amount for accidental injury and disability is 200,000 yuan.
A staff member of China Life Insurance Company introduced that during this May Day holiday, Mr. Zhao fell seriously while traveling to Huashan and was rated as a first-level disability. Previously, Mr. Zhao spent 100 yuan to purchase a travel accident insurance. After the accident, he paid 100,000 yuan in disability, 20,000 yuan in hospital expenses, and 5,400 yuan in hospital allowance.
What issues should you pay attention to when purchasing travel accident insurance? Zhu Minglai, a professor at the School of Finance of Nankai University, told China News Service that tourists who travel with groups should pay attention. According to relevant national regulations, travel agencies need to purchase travel agency liability insurance, and losses caused by improper arrangements by the insured company will be compensated by the insured company. However, in reality, it is difficult to prove the faulty party or the travel agency provides evidence or there is a dispute. If the faulty party is a tourist, it does not fall within the scope of protection. Therefore, tourists are advised to purchase travel accident insurance on their own.
03 Medical Insurance: Overseas medical expenses are 10 times the domestic medical expenses. Solve the "can't afford to be sick" overseas
In 2017, a netizen broke the news on Weibo that his friend's father was admitted to a Japanese hospital due to a sudden heart disease while traveling to Japan. After rescue, he was out of danger of life. However, he owed the hospital treatment costs equivalent to RMB 600,000, and refused to repay the loan after returning to China. There is a widely circulated joke on the Internet that an international student suddenly felt dizzy when he was low in blood sugar and had dizziness abroad. The last sentence before fainting was "Don't call an ambulance", which in a sense reflects that the price of overseas medical services is expensive.
According to Huang Qing, head of Ctrip's insurance business, the medical prices of Chinese tourists overseas are "extremely expensive", with the United States, Canada, Europe, Japan, Australia, and New Zealand being the most expensive, and the medical expenses are usually more than 10 times in China, and the highest is even more than 30 times. Therefore, it is recommended that tourists traveling to such developed countries purchase insurance, and the medical compensation should be fully guaranteed. When traveling abroad, you should seek medical treatment as soon as possible to avoid deterioration of the condition, and report the case abroad in a timely manner to avoid being rejected for compensation.
When traveling abroad, diseases may occur due to long-distance travel, poor adaptability, etc. Relevant Ctrip reports show that in the first half of 2019, the proportion of claims for medical compensation cases reached 17%, an increase year-on-year.
"Once accidental medical treatment or acute disease medical treatment occurs, the treatment costs are often not very cheap. Especially overseas medical treatment, which has lost its domestic medical insurance policy. If you do not purchase travel insurance, you need to pay the medical treatment costs abroad at your own expense." Huang Qing said.
It is understood that some countries (regions) also regard purchasing medical insurance as a prerequisite for applying for a visa. For example, when traveling to Schengen countries, you must purchase medical insurance with an insurance amount of no less than 30,000 euros (about 233,600 yuan).
Zhu Minglai believes that outbound travel is at a high risk, and it is necessary to buy a medical insurance for a few hundred yuan. When purchasing, you can consider insurance with advance payment of medical expenses in advance, and try to choose insurance products with emergency rescue services.
04 Flight delay insurance: accounts for nearly half of the compensation amount
When you go out by plane, high-speed rail, or car, it is inevitable to encounter flight delays, car failures, etc. Data released by the Civil Aviation Administration of China shows that in 2018, the positive rate of in my country's civil aviation flights reached 80.13%, an increase of 8.46 percentage points year-on-year. Although the positive rate has increased, a non-positive rate of nearly 20% still caused flight delays.
Flight dynamic information tips China News Service Wei Wei Photo by
The above report shows that in the first half of this year, in terms of claims amount, flight delays were the most, accounting for 47%. Judging from the claims for flight delays, the most serious provinces and cities in China are mainly Shanghai, Hubei, Guangxi and other provinces and cities; the countries with the most delays abroad are Thailand and the United States.
Huang Qing told China News Service that the current delays for island categories are relatively serious. First, because there are many bad weather in island categories, they are prone to typhoons and heavy rains; second, there are many delays in flight changes for charter flights on some overseas islands. In addition to islands, destinations involving transit flights abroad are affected by the arrangements for connecting flights, and delays are also relatively high, such as the United States.
China News Service checked the official websites of major insurance companies and found that the price of a flight delay insurance is mostly around 20 yuan, and the amount of compensation is about a few hundred yuan. The insurance liability clause stipulates that only if the flight you are on is delayed by the aircraft or the arrival time exceeds the original plan for several hours due to uncontrollable factors such as bad weather, natural disasters, mechanical failures, etc., the insured person can receive compensation calculated in hours. What other insurances can be invested in
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Family property insurance: Give a house a security
In European countries, people have a very strong sense of insurance for their houses, and housing insurance is almost one of the essential insurance types for residents' families. This type of insurance can protect problems such as plumbing and heating pipe explosion, theft, indoor property, and house subjects. Some can even unlock and open the toilet urgently.
China News Service checked the official websites of several insurance companies and found that the annual premium of this type of insurance ranges from 100 yuan to 1,000 yuan, and the insurance amount ranges from 1 million to several million yuan. If you travel for a long time, you can consider purchasing this insurance.
Pet Liability insurance: Love it and love everyone
During the National Day, some people also want to take their pets out for a walk. What should I do if a pet is accidentally injured? At this time, pet liability insurance can "guaranteed" the policyholder to some extent.
The insurance clause of a pet liability insurance states that during the insurance period, the insured person's personal injury or death and direct property losses caused by the pet owned and cared for by the insured person shall be borne by the insured person (owner) according to law.For example, when walking a dog outside, your beloved dog bites a passerby, etc. The insurance premium is 42.86 yuan, the coverage period is one year, and the coverage amount is 100,000 yuan.
It should be noted that the insurance clauses stipulate that only dogs and cats that meet the regulations of relevant departments are for dogs and cats, and some special breeds cannot be insured, such as Tibetan mastiffs, Chow Chows, German shepherds, leopard cats, etc.
In addition, China Business Network also reminds all policyholders to remember to tell their policy information to their family after purchasing travel insurance. If an accident occurs during the trip, call the insurance company's customer service number or report the case online as soon as possible, go to the hospital for treatment according to the rescue instructions, and properly keep the relevant vouchers.
cover, introduction picture: data picture, photographed by Jiang Ying, China Business Network
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