What is the general amount of travel accident insurance?

We always say that buying insurance means spending money to buy protection. The money spent here refers to the premium, and what is insured is the amount of compensation paid by the insurance company after an accident. The amount of protection is closely related to the premium paid when taking out the insurance, and the amount of premium paid depends on the financial situation and insurance awareness of the policy holder.

In travel insurance, the amount insured is related to many factors such as travel location, time, content, etc. How to allocate the specific premium requires detailed analysis of the specific content.

The insured amount of travel comprehensive accident insurance is generally chosen by the policy holder, that is, a centralized rate plan is provided for the policy holder’s reference. In addition, the longer the travel time, the higher the rate. However, general travel accident insurance does not cover everything. Many high-risk sports are still exempt from liability, such as rock climbing or adventure activities, wrestling, judo competitions or stunt performances, etc. Currently, Meiya’s “Travel China” domestic travel protection plan can cover such sports, including skiing, diving, skydiving, horseback riding and other popular sports.

When choosing the amount of insurance, you should consider the risk of the travel destination. The most important thing when purchasing travel accident insurance is to have enough insurance. Tourists should not ignore the protection in order to save premiums. If you go to Tibet, Xinjiang and other places, it is best to choose the highest insured amount. If you go to more mature tourism markets, the insured amount can be moderately reduced, relevant experts said. At the same time, experts also said that if traveling involves risky sports, it is best to purchase an insurance product that covers risky sports.

If you choose personal accidental death and disability protection in the domestic mature tourism market, the insured amount is generally 200,000-300,000, while the accidental medical insurance amount is the same as the accidental death or disability insurance. It is better to control the ratio of the amount to 5:1 or 10:1, but generally the probability of accidental medical expenses exceeding 20,000-300,000 is small. If you choose death or disability protection of 200,000-300,000, the accidental medical expenses The insured amount is 20,000-30,000.

When traveling overseas, the insurance amount of medical insurance should be appropriately adjusted according to the level of national medical expenses. For example, when traveling to countries with high medical expenses such as the United States, Singapore, and Japan, the insurance amount of medical insurance should preferably not be less than 200,000. Yuan, and when traveling to countries such as Thailand and Malaysia, if the trip is short, the insured amount of medical insurance can be around 100,000 Yuan.

According to the "Regulations on Travel Agency Liability Insurance for Travel Agencies", the amount of liability insurance provided by travel agencies shall not be less than the following standards: the limit of liability compensation per person for domestic tourism is RMB 80,000; for inbound tourism and outbound tourism, each person The limit of liability is RMB 160,000. Traveling inevitably requires a variety of means of transportation, which increases the risk of accidents. However, most travel insurance does not cover traffic accidents. Therefore, you should purchase traffic accident insurance to increase your protection.

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