This year (2020) continuous vacation guide is released. If it is well arranged, there will be seven consecutive vacation opportunities ranging from eight to 11 days each time. When you go out to play, you are most afraid of knocking on the door by accident. Three common injury insurances (commonly known as accident insurance), including travel safety insurance, general injury insurance, and holiday injury insurance. How to cover it better?
Property Insurance Association Supervisor said that travel insurance is a type of injury insurance. Travel insurance and general injury insurance both guarantee death or disability caused by accidents; however, travel insurance can be accompanied by overseas sudden diseases or overseas emergency assistance, and general injury insurance is less accompanied by overseas sudden diseases. Overseas emergency assistance is only available for travel insurance. The valid period of the travel insurance contract is only for travel period. For example, if you go to Japan for five days, these five days will be guaranteed; the valid period of the injury insurance contract is as short as one year, and the long as life. In terms of premiums, the premiums for injury insurance are calculated according to occupational categories. The rates of those who sit in the office follow people outside are different, and the occupational levels are divided into six categories. As for travel insurance, premiums are related to the number of days of travel, but not to the occupation category or the area you are traveling.
Insurance companies usually use insurance amounts rather than premiums to regulate insurance risks in dangerous areas. Assuming that the situation in Middle East is tense, people who go to the Middle East will not be allowed to take out excessive insurance coverage for travel insurance, such as death payments cannot exceed 10 million yuan.
As for holiday injury insurance (or holiday accident insurance), there are only national holidays during the protection period. There are few main contracts for commercially available goods, but they adopt the form of additional terms. When the insured encounters an accident on the holiday, the insured amount will be doubled.
Does anyone who has already taken out injury insurance still need to buy travel insurance? The head of the Property Insurance Association said that before going out, check whether the protection is sufficient. If it is not enough, the travel insurance can be strengthened. In addition, the medical expenses abroad are relatively high, and the risks can also be transferred through travel insurance with overseas sudden diseases, or by purchasing overseas sudden diseases insurance separately.
The editor suggests that in the digital era, you can make more use of online insurance. Find some insurances with a wide coverage, including on the way to the gathering and on the way home.
Assuming that Lisa has to go to Wuling to obtain the trip to Wuling, she will be able to apply for the safe-life insurance online. The insurance amount is 1 million yuan for accidental death, and the premium is only 26 yuan; the insurance premium is only 7 yuan for additional injury medical insurance with an additional insurance amount of 100,000 yuan. If you spend 33 yuan, you can have basic medical insurance for disability, death and injury, which is a high CP value product.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-