How much is a travel accident insurance? How to buy more cost-effective?

Friends who see this, stop skating.

what is the best way to buy travel insurance?

it's enough to read my article. Be sure to pay attention to these points.

otherwise, you will be miserable!

As the domestic epidemic situation continues to improve, most enterprises have resumed work.

Counting the days, the May Day holiday is coming soon. I believe many people can't help but want to go out surfing.

Childe understands this feeling very well. Since the outbreak of the epidemic, everyone has basically been unable to get out of the house, and more or less they may be choked up.

But just when I started thinking, when I wanted to book tickets on some travel App(X (X-way and X-net),

the routine came.

If you place an order in a hurry (just click the big word "book" on it), you will buy this aviation accident insurance by default.

instead of compulsory tying, the ordinary reservation is very small and is placed in a small corner.

Remember, don't choose this version with aviation accident insurance.

be sure.

Aviation accident insurance itself is a very meaningful product.

Although the probability of an accident is extremely low, once it happens, there is basically no possibility of survival.

so it's not a big problem to buy an aviation accident insurance.

The problem is that the aviation accident insurance bundled on these travel apps is extremely low in cost performance.

these apps make use of information asymmetry to make a difference! Things that were originally less than 2 yuan, but these apps dare to sell dozens of pieces!

Take the aviation accident insurance tied up on the X-route App:

What can be covered by subtracting 1 vouchers?

-the accident happened on the first flight of the insurance policy.

that is to say, from boarding the plane to leaving the plane door, the first guarantee is over.

3 yuan is gone.

But I want to tell you a fact:

There are many aviation accident insurances in the market, with the same coverage.

If you spend 25 yuan, you can cover them for one year and fly at will within one year!

in contrast, Ctrip's 3 yuan only guarantees one flight, which is simply weak!

For example, this one:

5 million insured, flying smoothly within one year, as long as it is in 25 yuan, it is very suitable for trapeze buyers.

But if the frequency of flying is not very high, you can actually consider short-term products,

For example, this one on Alipay:

5 million, only for 1 days, 5.8 yuan.

There may be people who think that 3 yuan will be spent.

Relying on this idea of many people, these travel apps can earn hundreds of millions of yuan in premium income a year only by selling aviation insurance, even more than selling train tickets.

instead of the original 3 yuan, I actually spent only 5.8 yuan.

Would it be nice to buy a cup of milk tea with the money saved?

and if you fly more often, you can save a lot of money unconsciously.

so don't buy accident insurance tied to such platforms!

at this point, the article is far from over.

because the above is only about aviation accidents, but there are many accidents that people may encounter when traveling. In fact, it's better to buy a travel insurance for yourself and your family before you go out.

If you spend a few dollars, it will be more than twenty dollars, so you can cover all kinds of accidents during your trip, such as plane delays, lost luggage and various accidents. Travel insurance is a more practical choice for travel. Isn't it more fragrant than accident insurance for only one flight (train)?

so next, let's introduce some basic information about travel insurance.

the full name of travel insurance is travel accident insurance, which is a kind of accident insurance.

Therefore, it has all three major guarantees of accident insurance: accidental death, accidental disability and accidental medical treatment.

In addition, the travel insurance also attaches some special protection for travel, such as air delay/cancellation, property loss, sudden illness rescue and so on.

Therefore, in the case of existing accident insurance, whether it is necessary to supplement a travel insurance needs to be measured in detail.

Travel insurance is a supplement to accident insurance, aiming at possible accidents during travel.

in the selection process, we should measure our actual needs and make a purchase.

The so-called actual needs are often very specific and trivial.

Childe lists some conceivable situations for your reference.

Normal activities of domestic city tours:

Travel normally, and no dangerous items are arranged.

If you already have accident insurance, you don't need to buy another travel insurance.

Of course, if you don't have accident insurance yet, you can spend a few dollars to buy a travel insurance as a travel guarantee.

go on road trip:

When traveling by car, you should consider both personal safety and driving safety.

in case of sudden puncture, flameout or even running out of gas, it will be very troublesome.

Therefore, if you go out to go on road trip, it is best to include the responsibility of self-driving rescue in the additional protection of travel insurance, which can be used to reimburse the trailer money in case the car breaks down halfway.

Traveling with children and pets:

Traveling with children and pets is more suitable for third party liability insurance.

If Xiong Haizi and his pet accidentally cause personal or property damage to others, this guarantee will help you lose money to the injured party.

High-risk sports:

If high-risk sports such as mountaineering, diving and rafting are arranged, these ordinary accident insurances will not be covered. At this time, you may need to supplement a high-risk sports insurance.

Traveling abroad:

Because the epidemic situation abroad is very serious recently, Mr. Sun thinks it's best for everyone not to go abroad. Now it's much safer to stay at home than abroad.

However, if you must go abroad, you should pay attention to two points:

First, you should buy enough overseas accident medical insurance coverage;

We have medical insurance reimbursement for domestic travel,

But if you want to go abroad, especially in Europe and America, where medical expenses are high, you must pay attention to buying enough unexpected medical insurance.

developed countries in Europe and America, at least 3, yuan (US$ 4,); For Southeast Asia, Hong Kong, Macao and Taiwan, more than 1, is more appropriate.

Second, foreign rescue services are more important;

when people are abroad, it is more important to insure services such as medical transportation (ambulance) and medical repatriation (returning to China after illness). If there is no insurance already purchased, you can supplement it. This kind of service is often a timely help.

You can refer to several kinds of travel insurance that you commonly use:

Domestic travel: Travel insurance for traveling in China with Shi Dai

If it is only domestic travel and you have already bought accident insurance, there is no need to buy this one.

At present, this kind of travel insurance is relatively cost-effective:

Claim Tel: 499-9557

This kind of travel insurance is very cheap, with

3, accidental death and disability, 3, accidental medical treatment, 3, acute illness and an accidental hospitalization allowance of 3 yuan/day.

accidental medical treatment is free of compensation, and it is not limited to social security medication.

All these responsibilities are added up, and it takes 1 days to spend 12 yuan.

The price is cheap and the guarantee is real, so you can consider it when traveling in China.

go on road trip in China: Allianz Imagine Self-driving Protection Plan

Claim Tel: 4-8-22

As mentioned earlier, when traveling by car, you should not only protect people, but also pay attention to driving safety.

This Allianz Imagination Self-driving Protection Plan has a very good responsibility:

The engine stops halfway, and the trailer is free within 5 kilometers;

halfway through, there is a roadside quick repair service;

if it can't be repaired that day, the insurance company will pay for you to find a place to live;

if you want to continue traveling, there is also a travel allowance;

one-way train tickets are reimbursed within 1, kilometers, and economy class tickets are reimbursed beyond 1, kilometers.

I finally came out to relax and have such a bad heart. With these intimate guarantees,

I can still clear my mind and continue to wave!

High-risk activities: outdoor sports in the historical zone

Claim Tel: 499-9557

The explosion of short video shows us more interesting extreme sports.

For example, bungee jumping, skydiving, diving, etc ...

So if you go out this time and like this high-risk sport, you can choose this historical zone for outdoor sports.

There are three kinds of protection plans, which can be selected according to needs:

For example, in Plan C,

accidental death from falling off a cliff, drowning, loss of mountaineering equipment, loss of diving equipment and so on are all covered.

the guarantee lasts for 3 days, and the premium is 5 yuan.

overseas travel insurance: Shi Dai Leyou global travel insurance (it is not recommended to go abroad for the time being)

Claim report: 499-9557

Emergency rescue: 4-82-731

For overseas travel, people often hear about these three insurance companies: Allianz, Meiya and Shi Dai.

(because these three companies have their own rescue teams)

I usually use this historical travel insurance, which is relatively cheap and comprehensive.

There are three plans: silver plan, gold plan and diamond plan.

security is divided into four parts:

basic security, medical security, travel accidents and financial security

it covers everything you think and don't expect.

everything from kidnapping by kidnappers to visa refusal can be said to be comprehensive.

the cost is not high either. The silver plan costs 7 yuan for a seven-day trip, which is very good.

But recently, you are not advised to go abroad. You can wait until the epidemic situation stabilizes.

Before going out, Mr. Sun also reminds you a few words:

First, you should buy travel insurance in advance;

if the policy is purchased one day in advance, the payment will take effect the next day.

Second, no matter what insurance you have bought (aviation accident insurance, travel insurance), you should inform your family after buying it;

In case of a major accident and no one is left, the insurance company will not take the initiative to settle the claim, so be sure to tell your family.

Third, we can't relax our vigilance in the current situation. We should wear a mask and cooperate with local policies.

I wish everything goes well when I am away from home.

The insurance information is asymmetric, so you can buy nine pits. You want to know more about the insurance dry goods, so please pay attention. Buy the right insurance and save half the money! (Sida Caizi Netcom ID: Sida Caizi 333)