Is Ctrip's unreasonable travel cancellation insurance completely unreasonable to refund 80%?

The insurance can only be selected when placing an order, and it will take effect the next day after purchase. Once sold, unsubscribe is not supported. Recently, Ctrip.com and Ping An Property & Casualty jointly launched the first "no reason to surrender" in China. Even if the insured temporarily changes his mind and cancels the reserved travel products, he can still get a loss of 80%- 100%. It is understood that this insurance mainly covers Ctrip's free travel products in Thailand, Malaysia, Japan and Australia. Depending on the destination, the selling price and compensation amount are also different. For example, Thailand's "no reason to surrender", each copy of 150 yuan, the maximum compensation can be 6000 yuan. Japanese, Mauritian and Australian 250 yuan can get 1 ten thousand yuan. If consumers book travel plans through Ctrip. Com, when riots, natural disasters or sudden infectious diseases occur in the place or destination of departure within one week before the departure of the insured, or the insured or his spouse is pregnant or his immediate family member is unfortunately fractured, his loss will be compensated by 100%, and if the trip is cancelled due to his own reasons, he will be compensated by 80%. The person in charge of Ctrip Travel Insurance said that the biggest difference between "no reason to surrender" and conventional insurance is that conventional insurance does not compensate guests for the cancellation of their trips due to their own reasons, refusal of visas, past diseases or chronic diseases, but there is no reason to surrender. You can also underwrite it for your own reasons. "No reason to surrender" covers most of the guests and risks that can't be covered by conventional insurance, filling the gap in tourism protection. Ctrip's exclusive launch of this travel insurance product has enabled Ctrip's customers to get far more protection than other tourists, so that they can book travel products with greater confidence, recover losses to the maximum extent, and at the same time improve the protection level of domestic tourists. A customer service staff member of Ping An Property & Casualty pointed out that the overseas travel accident insurance introduced in the past usually covered the "responsibility for travel change", that is, the insured or his immediate family members died, or the accident or sudden illness diagnosed by the doctor, and the destination occurred natural disasters or riots that required hospitalization, and the insurance company would pay for the loss of travel expenses caused by it. Therefore, it can be understood that "no reason to surrender" is a further broadening and extension of the responsibility for travel change. According to industry insiders, tourism is easily affected by its own and objective factors. Traveling abroad, in particular, is generally booked long in advance. It is difficult to predict whether there will be personal reasons that will prevent the trip in the future. Tourists can buy an insurance policy before going out, which can compensate the unused but non-refundable travel expenses. "No reason to surrender" is a guarantee for the interests of tourists. During the insurance period, after the insured has successfully booked the Ctrip holiday itinerary and paid the expenses, if the cancellation of the reservation causes the loss of the advance payment of the insured, the insured will receive compensation of up to RMB 65,438+00,000, of which 65,438+000% will be cancelled for reasons other than his own, and 80% will be cancelled for his own reasons. 1 Cancellation of hospitalization due to the death of the insured or his immediate family, accidental injury or sudden illness due to reasons other than his own. 2. The insured or his spouse is pregnant normally and is not suitable for travel. 3. The insured or his immediate family member has a fracture and is not suitable for travel. 4. The insured is hijacked. 5. Riots, strikes by employees of the insured public transport carrier, bad weather, natural disasters or sudden infectious diseases occur at the departure or destination of the trip within one week before the departure of the trip. 6. If the family property of the insured suffers serious losses due to natural disasters or criminal acts of a third party, the insured must cooperate with the police to investigate or evaluate the losses on the spot. Cancellation due to own reasons The insured voluntarily cancels this trip due to his own reasons. Special statement 1 and over 90 years old are not covered. 2. The applicant must obtain the consent of the insured before being insured; If the insured is a minor, the consent of his guardian must be obtained. The insurance product can be sold nationwide with permission, and anyone who meets the purchase conditions of the insurance product can buy it.