What does travel accident insurance mean?

Hello!

Travel accident insurance covers the risk of accidental injury or illness to the insured (i.e. tourists) during travel. Generally speaking, when purchasing travel accident insurance, you need to pay attention to the following matters:

(1) Understand the specific insurance liabilities and purchase according to your actual needs. Whether you choose self-driving travel or group travel, domestic travel or overseas travel, when purchasing travel accident insurance, you must choose according to your own travel needs, not a "big and comprehensive" product. For example, if you go out and participate in high-risk sports, such as skiing, rock climbing, etc., you must buy targeted travel accident insurance. That is to say, when you buy travel accident insurance, you must carefully read the insurance terms and make sure you buy it. The product covers these high-risk sports, otherwise the point of buying travel accident insurance would be lost. However, if it is just for ordinary play, do not choose options with high-risk sports, so as to reduce unnecessary expenses.

(2) When purchasing travel accident insurance, you must be sure of the correct conditions. If you travel abroad, when purchasing overseas travel insurance, you must choose insurance with global emergency rescue functions, which can save lives at critical moments.

(3) It is more cost-effective to apply for insurance online. Nowadays, there are many insurance online sales platforms, which make it easier and faster to apply for insurance. Buying travel accident insurance online is more cost-effective, especially when they have promotions, it will be more affordable. In addition, there are two types of insurance sales websites, one is the official website of the insurance company, and the other is the insurance agency website, such as Kaixinbao Insurance Network or Insurance Network, etc. Many websites sell multiple travel accident insurance products. You can Compare multiple locations.

(4) When applying for insurance, be sure to learn about the detailed claims process from the insurance company. If you buy domestic travel accident insurance, be sure to remember the insurance company’s customer service phone number. If you travel abroad, be sure to remember your policy number and emergency phone number. In addition, in the event of an accident, you must remember to keep the relevant bills and vouchers required for claim settlement.

I hope my answer will be helpful to you! Thanks!

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance