Don’t ignore the risks of travel insurance

1. Types of travel risks

1. According to the risk objects, it can be divided into personal risks, property risks and liability risks.

2. According to the causes of risks, they can be divided into natural risks, social risks and economic risks. These risks may occur from time to time during tourism activities.

2. Prevention of travel risks

1. Enhance consumers’ awareness of potential safety hazards: Travel consumers should maintain safety awareness anytime and anywhere during travel activities and establish “safety first” According to the principle of "tourism first", we must stay calm when facing emergencies and calmly carry out self-rescue.

2. Improve the quality of tourism consumers: While enhancing their awareness of potential safety hazards, tourists must also continuously improve their own quality, continue to learn, and strengthen their understanding of tourism risks. They must be aware that tourism accidents may occur suddenness and the devastation it brings to our lives.

3. Activities to reduce hazardous projects: Generally speaking, the more dangerous the project, the greater the risk and the more serious the damage it will cause. In order to minimize the possibility of accidents, the best way is to stay away from them as much as possible, or carefully check whether the facilities in the scenic spot have undergone national quality inspections, and start everything when you are ready.

4. Reduce tourists’ unconscious behaviors: Tourists should develop good habits in their daily lives. When going out, they should pay more attention to their words and deeds, and try to avoid causing harm to themselves and others. To cause unnecessary trouble.

3. Exemption clauses of travel insurance

1. The policyholder or beneficiary intentionally kills or injures the insured; the insured violates the law, intentionally commits a crime, or resists arrest.

2. The insured fights, gets drunk, commits suicide, intentionally injures himself or takes, smokes, or injects drugs; the insured is under the influence of alcohol, drugs, or controlled substances.

3. The insured drives under the influence of alcohol, drives without a license, or drives a motor vehicle or an assistive vehicle without a valid driving license.

4. Pregnancy, miscarriage or childbirth of the insured; insanity or mental disorder of the insured.

5. The insured’s medical accident caused by examination, anesthesia, surgical treatment, and drug treatment; the insured did not follow the doctor’s advice and took medicine privately; the insured went diving without the approval of the insurer , skydiving, skiing, water skiing, and paragliding high-risk sports and activities.

6. The insured person is suffering from AIDS or infected with HIV.

7. The insured is declared dead by the court due to reasons other than accidental injury or natural disaster.

8. War, military action, terrorist act, riot or armed rebellion.

9. Nuclear explosion, nuclear radiation or nuclear pollution. Costs for orthopedics, plastic surgery, cosmetology, psychological consultation, organ transplantation, or repair, installation and purchase of disability equipment.

10. The insured’s physical examination, recuperation, and rehabilitation treatment; the portion of the insured’s medical and medical expenses that should be compensated by a third party according to law, unless the perpetrator escapes or has no ability to compensate.

Regarding the issue of physical examination when buying insurance, I have just compiled the relevant content. I hope it will be helpful to you: Do you need a physical examination before buying insurance?