What kinds of travel insurance are there?

Although many people choose to buy a suitable travel insurance before going out, some people still don't know much about travel insurance. So what are the types of travel insurance? Let's give you a detailed introduction to the three major types of travel insurance.

Insurance 1: passenger accident insurance.

This insurance is mainly to protect tourists from accidental injuries when they go out to take public transport. Generally speaking, the premium of this kind of accident insurance is often included in the fare purchased by passengers. As long as passengers buy ordinary tickets for cars or boats, they are equivalent to buying this kind of insurance. The premium of this kind of insurance is mostly calculated at 5% of the ticket price, and the insured amount of each insurance is RMB 20,000, of which RMB 65,438+RMB 0,000 belongs to the accident medical fund. During the insurance period, check-in procedures are carried out for tourists or when they get on the bus halfway to check-out procedures or when they get off the bus halfway. During the validity period of the insurance, if an accident occurs, resulting in disability or even death of passengers, the insurance company will not only pay medical expenses according to the provisions of the insurance regulations, but also pay part or even all of the insurance amount to the disabled or the family members of the deceased. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Insurance 2: Travel personal accident insurance.

This kind of insurance is mainly to protect tourists from accidental injuries when they experience thrilling trips in scenic spots. When people travel to scenic spots, many scenic spots will have thrilling tourism projects for tourists to experience. But these tourism projects are also very dangerous. "This insurance, tourists can choose voluntarily, and the insurance premium paid is very small, but the insurance amount is very large. Generally, the insurance premium for each copy is only 1 yuan, but the insured amount can reach 1 ,000 yuan, allowing tourists to purchase at most 1 copy at a time. In other words, if tourists are in danger, they can get compensation of 1 0,000 yuan. The insurance period is from the time when tourists buy this kind of insurance, to the time when tourists enter tourist attractions or scenic spots, until they leave.

Insurance 3: Personal insurance for lodging passengers.

This kind of insurance is mainly to protect tourists from accidental injuries during their stay. For this kind of insurance, tourists can buy it voluntarily according to their own needs. The same insurance premium is paid very little, but the insurance amount is very large. As long as each insurance premium is 1 yuan, there are three aspects of insurance liability: first, compensation for passengers' property losses caused by accidental damage or theft; second, the insurance premium for lodging passengers is 5,000 yuan; and third, the insurance premium for lodging passengers is 1 1,000 yuan. The insurance period is calculated from 0: 00 on the day when the tourists stay, and the insurance period is 15 days. If it expires, visitors can renew their insurance again. This kind of insurance allows visitors to make multiple copies at a time. If tourists take out this insurance, within the validity period of the insurance, once they encounter accidents, foreign attacks, or in order to protect their own or others' lives and property, they are eventually disabled or killed, or their property is lost due to illegal acts such as robbery and theft. The insurance company will pay the necessary insurance money to tourists who have bought this insurance according to different standards.

Brother Bao reminds: What kinds of travel insurance are there? There are three main types of travel insurance, namely, passenger accident insurance, travel to personal accident insurance and personal insurance for lodging passengers. When purchasing travel insurance, consumers should determine the insured amount according to the number of days of travel and read the insurance clauses carefully.