I don’t want to know why they are so young and so rich? I just want to know whether they bought insurance before they were wandering around? But, the tourism insurance on the market is dazzling, how to choose?

I heard that the post-00s have become a new force in traveling!
I don’t want to know, why are they so young and so rich?
I just want to know, did they buy insurance before they were wandering around?

I heard that there are more and more holiday travel styles!
I don’t want to know, why are you so awesome and creative?
I just want to know, have you bought insurance for brothers and sisters?

Haha, no matter where you go, safety and happiness are the most important.
However, the tourism insurance on the market is dazzling, how to choose? It seems that it is time to give you a complete list of travel insurance!

. What is travel insurance?

As the name suggests, it is a comprehensive insurance related to traveling. It is a travel protection product provided by insurance companies for specific travel risks. Its characteristics are to ensure travel safety, has comprehensive responsibilities, and high .

The scope of protection generally includes personal accidents, accidental medical care, emergency medical transportation, body repatriation, itinerary cancellation or change, travel delay, luggage delay, loss of personal money and documents, home financial protection, personal responsibility and other responsibilities.

Travel insurance is very cheap, with a few dollars or dozens of dollars.

spends a little money, but it can give us enough security when traveling and make us feel more at ease.

. What types of tourism insurance are there?

Common tourism in my country's insurance market include domestic tourism insurance and overseas tourism insurance.

domestic travel insurance

domestic travel insurance mainly protects the accidental risks of travelers when traveling in mainland my country. At present, domestic travel insurance does not include the Hong Kong Special Administrative Region, the Macao Special Administrative Region and Taiwan.

Overseas travel insurance

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. How to buy domestic travel insurance?

1 Domestic tourism insurance is different from overseas tourism insurance. Domestic tourism generally considers general needs such as accidental injury risk, medical insurance , as well as special factors such as self-driving risk, high-risk sports, and whether to go to a plateau.

How to choose a suitable travel insurance? The following issues should be considered:

① Travel time

At least one day before departure, the insurance time must cover the entire itinerary. The coverage period of

Travel accident insurance is relatively flexible, with the coverage period from 1 day to 365 days. The coverage period can be selected based on the number of travel days.

) Intra-city travel, one-day tour, and short-distance travel, you can choose general tourism insurance products, which mainly protects general accidents and medical responsibilities, and solves the most important travel accident protection.

) It is recommended to choose products with emergency rescue and personal property protection for many days or long distances or to travel to relatively remote places.

) If you are a business person or a high-speed rail expert, you can choose an accident insurance product with a coverage period of one year. This accident insurance does not limit the number of travel times, has a higher cost-effectiveness, and reduces the number of insurance and renewals.

②Contains high-risk sports plan

General travel insurance, high-risk sports are generally defined in exclusion as follows: refers to (including but not limited to) diving, water skiing , skiing, ice skating, wing jumping, skydiving, bungee jumping, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunt performances, horse racing, racing , various vehicle performances, vehicle competitions or practices, driving kart , etc.

If the travel plan contains the above high-risk sports events, you generally need to choose a travel insurance that contains high-risk sports protection in .

③Go to the plateau area

In China, the most popular tourist places include Tibet, Daocheng in western Sichuan, Yading , Yunnan Yulong Snow Mountain , etc. There is a certain probability of altitude sickness in these areas.

First of all, it is important to make clear that altitude sickness is a disease, so accidents caused by are not within the scope of accident insurance coverage.

Go to such areas and you need to take out for tourism insurance that is underwriting the anti-protected plateau.

④ Self-driving travel

Self-driving has become one of the important travel methods in domestic tourism. The risks in this process include: "roadblocks" such as broken down of your car, traffic accidents, etc.

When choosing a travel insurance with self-driving protection liability, can also pay attention to whether the passengers on the get off the bus are covered.

If the car owner only insures commercial third-party liability insurance and car damage insurance , then the personal accidents of other passengers in the car are in an insured state.

And during self-driving trips, the risk of accidents for passengers in the car also exists.

Whether it is a driver or a passenger in the car, it is recommended to insure a self-driving travel insurance with driving accident protection.

What should I pay attention to when applying for domestic travel insurance?

①Georgeal range

Domestic insurance does not include Hong Kong, Macao and Taiwan, but is only for mainland . If you go to Hong Kong, Macao and Taiwan, you need to purchase overseas travel insurance.

②Effective time and protection time

Travel insurance rarely takes effect on the same day, so you must plan your itinerary in advance and purchase travel insurance in advance.

Secondly, in order to prevent temporary travel changes, when chooses the guarantee time, it generally needs to be greater than the actual travel time.

If it is a domestic travel insurance, it is generally stipulated that "if the coverage period is one year, the maximum period for each trip is 30 days."

③Popular sports attention products Disclaimer clause

Some popular high-risk sports events are included in the exclusion responsibility, so we should pay attention to it.

④Confirm that the travel destination is within the coverage

If it is domestic travel , you must avoid products that restrict the permanent residence. If
is outbound travel insurance, there is a coverage area, and most of them are "non-war or state of emergency countries."

Conclusion:

Finally, when choosing insurance, you must make targeted choices based on 's travel purpose, travel risk, and activity type .

ensures that all risks are within the scope of the product's ability to protect, and minimizes the risks of itself or the enterprise.

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