Is it necessary to buy travel insurance? Under normal circumstances, what are the general travel insurances?

It was explained in detail by teacher Anne, an expert in travel insurance products. The Risk Report of China Residents' Outbound Tourism in 20 19 shows that after 20 12 years, the frequency of overseas tourism accidents in China has increased year by year, with an annual increase of about 2 to 3 percentage points, and the frequency of accidents has increased by 2.5 percentage points in 20 18 years.

Travel insurance has become a necessary risk protection product for travel.

I. Types of travel insurance According to the travel insurance products sold in the market, they can be divided into four categories:

1. Public transport accident insurance. 2. Domestic travel insurance. 3. Overseas travel insurance. 4. Overseas study insurance. 50 insurance products in the above four categories have been selected in the market, as shown in the following table:?

Click to see a larger image. Next, according to the four types, explain them in categories.

? The first category: public transport accident insurance, which covers accidents, injuries or deaths in public transport, refers to trains, planes, ships, cars, subways, light rails and other means of transport that may be taken during travel.

Public transport accident insurance means that you can buy comprehensive traffic accident insurance guaranteed by various means of transport, or you can buy it separately according to specific modes of travel, such as aviation accident insurance, train accident insurance and ship accident insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

For the selection criteria of public transport accident insurance, please refer to the following two products with high cost performance:

? Category II: Domestic Travel Insurance Domestic travel insurance refers to insurance products that protect the travel risks in any city in the Mainland. The price of such products is very affordable, as low as 1 yuan/1 day. The specific product forms are as follows:

? The third category: overseas travel insurance, which provides insurance products to protect the travel risks of cities outside the mainland, mainly including Australian travel insurance, Asian travel insurance, European travel insurance, Everest travel insurance and African travel insurance.

? The fourth category: study abroad insurance, which is a travel insurance product specifically for overseas students. The coverage is very comprehensive, including a series of travel risks such as accidental injury protection in foreign countries, medical insurance for illness hospitalization, financial loss protection, and overseas rescue protection.

Take a study abroad insurance provided by Yongan Property Insurance as an example. The screenshot of the basic version of the study abroad insurance protection content is as follows:

2. What are the travel risks covered by travel insurance? ? 1. Accidental injury protection The insured pays the insurance money on the condition that he suffers death, disability or other agreed circumstances (such as burns) due to accidental injury during the trip.

Some high-risk sports in tourism, such as skydiving, bungee jumping and adventure. If you plan to try these projects on your trip, you should buy travel insurance for high-risk sports. Interpretation of professional knowledge involved in accidental injury (popular science);

① The level of accidental disability is 1- 10, and the disability category is * * 28 1, where 1 disability is total disability, and the compensation amount is equal to the purchase amount; 10 disability is the lightest, and the compensation amount is equal to × 10% of the purchase amount.

28 1 disability rating table. Please leave a message in the comments section if necessary. (2) The amount of compensation for accidental death = the insured amount purchased. It should be noted that accidental death is not compensated.

? 2. Medical Security Medical expenses in many countries are very expensive, and unforeseen emergencies or accidents may occur during travel, requiring hospitalization. At this time, travel medical care is needed to alleviate the urgent need.

Travel medical insurance is divided into general medical insurance (covering outpatient and inpatient medical expenses), accidental injury medical care, surgical medical care and special disease medical care according to specific treatment types.

? 3. Emergency rescue guarantee Emergency rescue guarantee, also known as emergency rescue service, is usually provided by professional emergency rescue agencies.

In a strange foreign country, especially in countries or regions with poor medical conditions, emergency rescue can provide timely and effective rescue services for travelers at the critical moment of race against time. Common rescue services include: emergency medical transportation and return, body return and condolence visit.

A more comprehensive rescue guarantee includes other expenses that may occur during the rescue process.

For example, hotel accommodation, repatriation of minor children, guarantee or advance of hospitalization medical expenses, and support services, including medical consultation, recommendation of medical institutions, legal aid, and emergency message delivery. ? 4. Property protection covers the economic losses of the insured during the journey, such as the loss of travel documents, carry-on luggage, mobile phone or tablet computer, credit card theft, personal money theft, etc.

For property loss protection, the insurance company will stipulate the corresponding claim limit and will not compensate according to the specific value of the property.

Therefore, when purchasing, you need to pay attention to the limit of each item.

? 5. Travel delay protection Due to weather and other reasons, delays in aircraft, ships, trains and other means of transportation are common, which will bring extra expenses such as accommodation and food, which is a typical travel risk.

When insurance companies provide this kind of protection, they usually compensate according to the time of delay, for example, for a delay of 3 hours, the compensation amount is 300 yuan, and for a delay of 5 hours, the compensation amount is 1000 yuan.

? 6. Luggage delay or loss insurance When traveling by air, you may experience the embarrassing scene that a person arrives at the destination, but the checked baggage is not delivered, or the luggage may be lost or broken at the airport.

This is also a common travel risk, and most travel insurance is guaranteed.

It should be noted that if the travel baggage disappears with the carrier (such as an airplane), the insurance company is exempt from liability.

? 7. Trip cancellation and interruption guarantee travel, and trips are generally arranged. However, the plan cannot keep up with the changes. Before or during the trip, it is still possible that the trip cannot be completed due to its own reasons or unexpected events (such as riots, natural disasters, epidemics, etc.). ).

Travel insurance will provide some economic compensation for this and reduce the economic losses of travelers who cancel hotels or air tickets.

? 8. Travel third party liability insurance is similar to the third party liability insurance in auto insurance. The liability of travel third parties covers death or personal injury, property loss or damage caused to third parties due to accidents during travel.

This responsibility is quite special, and only a small number of travel insurance will provide protection. When purchasing, you can choose whether to purchase this responsibility according to your own situation.

Third, travel insurance purchase skills and pit prevention skills? 1. If we sign up for a tour group, we must spend a little more money to buy a travel insurance.

Because in order to save costs, the amount of group travel insurance purchased by travel agencies is relatively low.

? 2, free travel, six precautions for choosing travel insurance, super important, take a small book and write it down! ? ① Choose the corresponding travel insurance according to the pre-determined tourist location, mode, time and items;

② Travel insurance is purchased by the day, so when purchasing, it is recommended that the number of insurance days >; Travel days to prevent insufficient time guarantee caused by travel delay.

③ When traveling abroad, you must choose the products of foreign insurance companies, such as AIA and Allianz. And the guarantee content must cover the travel insurance products of emergency rescue guarantee.

Because foreign insurance companies can provide more timely and powerful rescue services whether they have a strong rescue service network, strategic cooperation with high-quality third-party rescue agencies, and rich experience in rescue handling. There are high-risk sports such as skydiving, bungee jumping, diving, rock climbing and exploration in the travel plan. When choosing travel insurance, we should pay attention to choosing targeted products to ensure high-risk sports.

? ⑤ Travel to unsafe areas with frequent wars or riots in China, such as Cuba, Iran, Syria, Sudan, North Korea, Crimea, etc., travel insurance generally does not provide protection, and directly refuses insurance or compensation.

? ⑥ After purchasing travel insurance, domestic relatives should be informed in time, including insurance company, policy number and contact information. In addition, you need to remember the emergency contact information provided in the travel insurance, especially the contact information for emergency rescue. You should record it in advance and take it with you in case of emergency.

If you encounter an insurance accident, you should try to keep complete and detailed relevant documents as the basis for future claims (such as hotel reservation records, airport certificates when travel is delayed, etc.). ).