Do you need insurance for domestic travel? What are the domestic travel insurances?

Many people are not sure whether to buy insurance when traveling. There are too many uncertainties abroad. Why do you have to buy insurance for safe travel in China? Actually, it is really necessary. Please have a look at what insurance you want to buy first.

Do I need to buy insurance for domestic travel?

Some people say that I already have accident insurance, and accidental medical treatment is also applicable throughout the country. So do you still need to buy travel insurance for domestic travel?

Need!

Reason:

1. The most valuable part of travel insurance is emergency rescue, and there is no general accident insurance;

2. Accidental medical treatment in general accident insurance is limited to medical insurance drugs, but accidental medical treatment in travel insurance can generally cover self-funded drugs, and some plans will also include the responsibility of disease medical treatment.

3. For some high-risk sports, including but not limited to diving, rock climbing and skiing. Except general accident insurance, but some travel insurance can be underwritten;

4. Personal responsibility during travel, travel delay, baggage delay and other aspects of protection;

5. Travel risk is higher than usual, and travel insurance can also be used as a supplement to short-term accident risk (increasing accident protection).

Compared with overseas travel insurance, domestic travel insurance is simpler, including accidental death and disability, accidental medical compensation (some include disease medical treatment, some do not), emergency medical transportation and return, body return and other basic insurance items. In addition, some plans include illness, death, travel delays and property losses, while others do not.

Accidental death and disability insurance

Accidental death, it is not difficult to understand, is due to accidental death, the insured amount is paid in full;

Accidental disability is paid in proportion to the degree of disability. According to 20 15' s new personal insurance disability assessment standard, the degree of disability is divided into one to ten grades, and the insurance compensation ratio corresponding to the degree of disability in personal insurance is also divided into ten grades. Take "one limb missing (above elbow joint of upper limb and above knee joint of lower limb)" as an example. The level of disability belongs to level 5 (moderate disability). If the amount of disability insurance for general travel insurance or accident insurance is 6.5438+10,000, the corresponding compensation ratio for level 5 disability is 60%, and the compensation amount is only 60,000.

The "accident" in this insurance amount refers to a comprehensive accident. Some types of insurance include public traffic accidents and self-driving accidents, and the coverage is superimposed. Take chestnuts for example. If a person has taken out the following travel insurance "Scheme 2" and was killed by his own car during the travel, he will get 500,000 yuan (400,000 yuan for accidental death and 6,543,800 yuan for accidental death by his own car). If this person still has 6.5438+0.5 million accident insurance every year, then the compensation he gets is 6.5438+0.5 million accident insurance and 500,000 travel insurance = 6.5438+0.5 million.

emergency relief

No matter at home or abroad, I value the emergency rescue service in travel insurance most, because in case of emergency, time is life.

Let's learn about emergency rescue first:

Emergency rescue means that when the insured suffers from accidental injury or sudden illness during the trip and is confirmed by the rescue agency designated by the insurance company to need rescue services, the insurance company shall bear the transportation and return expenses, and the maximum amount shall not exceed the insurance amount agreed in the policy.

Emergency rescue includes:

1. Medical transportation and repatriation: For example, if the insured is in distress in an inaccessible mountainous area, the rescue agency will send helicopters and medical teams to the scene for rescue; For another example, if the insured has an accident or illness and the nearest hospital is not suitable for disease treatment, the rescue agency will be equipped with professional medical care and necessary transportation, and send it to a hospital that meets the treatment conditions for treatment. Return trip means that the rescue agency believes that the insured's illness or injury has stabilized and let him return to the original place of departure. However, during the treatment period, the flight scheduled by the insured may be delayed, and the insurance company will bear the cost of changing the flight or arranging another return ticket.

2. Return of the remains: that is, after the death of the insured, the insurance company will bear the expenses for the return of the remains.

The first scene rescue generally refers to the scene where the party in distress is still at the scene of the accident or in danger and needs to be sent to the hospital for rescue. In this case, the local public * * * functional department must be the department closest to the scene of the accident, with the most perfect service network and the fastest arrival to the insured. Please contact local public functional departments as soon as possible, such as local 120, 1 10, etc.

The medical rescue of insurance companies is generally a second on-site rescue. For example, the insured has an accident or illness and is sent to a hospital for treatment, but the hospital where the insured is located is not suitable for the treatment of the disease. The authorized doctor of the rescue organization will analyze the insured from a medical point of view according to the physical condition at that time, and evaluate whether to carry out medical transportation according to the advice of the attending doctor. If it is determined through evaluation that transshipment is necessary, the rescue agency shall be equipped with professional medical aid and necessary transportation tools to transport the insured to the nearest hospital or the insured's permanent residence that meets the treatment conditions.

However, in some cases, insurance companies also provide first aid services. For example, if the insured is in distress while climbing or hiking in an inaccessible mountainous area, the emergency rescue service of the insurance company will arrive at the scene faster than the local public authorities, such as sending helicopters and medical teams to the scene for rescue. So, this is the first on-site rescue.

Therefore, when insuring travel insurance, it is best to choose insurance companies with their own rescue agencies, such as Allianz, AIG Meiya, AXA AXA and Starr Times. As far as emergency rescue is concerned, all four companies have their own directly affiliated rescue companies and directly affiliated insurance companies, so communication will be much faster.

In addition, ensure that the amount of "emergency medical transportation and return" of your insured products matches the travel destination and the risks during your travel. For example, in some inaccessible areas or mountainous areas in distress, emergency medical transportation is likely to dispatch helicopters and cost hundreds of thousands of dollars.

Domestic emergency rescue costs are relatively not as high as those in developed countries such as Europe, America, Australia and New Zealand, so the amount of "emergency medical transportation and return" for domestic travel insurance is generally not set too high. For example, Allianz's "Unlimited Power" emergency medical return insurance can cover up to 200,000 yuan:

Compensation for medical expenses

It refers to the necessary and reasonable medical expenses that the insurance company will compensate when the insured suffers an accident or sudden illness during his domestic travel and goes to a second-class or above hospital or a medical institution recognized by the insurance company for treatment.

Please note here that domestic travel insurance generally only covers compensation for unexpected medical expenses, excluding compensation for sudden diseases. Even with the medical expenses of the disease, this 1000 yuan is limited. Moreover, the medical treatment of diseases is limited to sudden diseases during the journey, as well as existing diseases, dental diseases, reproductive diseases, drug allergies and so on. Be excluded.

For example, the first phase of Allianz's "Crossing China" plan includes 1000 medical expenses, of which the medical limit for diseases is 1000 yuan.

Another example is Allianz's "Travel Around the World" plan, which only includes accidental medical care and does not include disease medical care.

Therefore, even for the same insurance company, different product protection plans and protection projects are different. Be sure to look carefully when you apply for insurance and choose the protection scheme that suits you.

For some diseases in domestic travel, they are generally colds, fever, gastroenteritis and so on. Because the medical expenses in China are not as high as those in Europe, America, Australia and new developed countries, I think these minor illnesses in China are not covered and the problem is not serious.

High-risk activities

If there are high-risk activities such as diving, rafting, mountain climbing, skiing, rock climbing and horseback riding. During the trip, it is recommended to buy travel insurance that includes these high-risk activities. Choose the right protection plan for different trips.

For example, Allianz's "unlimited power" can cover mass entertainment activities such as diving and skiing.

Many people choose to drive when traveling around their permanent residence. Therefore, it is suggested to choose a travel guarantee plan by self-driving, including not only general travel guarantee, but also various situations during self-driving.

For example, Allianz's "Anlv China" includes emergency trailer, quick roadside maintenance, emergency tire change, hotel accommodation or continuous travel during car repair.

Explain the safety responsibilities in the above table:

1. Double compensation for self-driving accidents, that is, the insurance amount of "accidental death and disability" is "insurance amount superposition compensation" for accidental death and disability;

2. Driving with insurance means that both drivers and passengers are suitable for driving protection.

Aviation accident insurance

Children's shoes that often fly can be supplemented with an aviation accident insurance of 6.5438+million. Zhongan Elite Edition 79 yuan can have 6,543,800+million aviation accident insurance for the whole year, unlimited flight times and a small amount of other travel insurance. It's against the sky to compensate for an hour's delay in the flight. You should know that the flight delay of general travel insurance takes 4 or 5 hours to compensate!

For children's shoes that don't fly very often and only fly once or twice occasionally, you can also choose short-term aviation accident insurance, such as Metropolis10 million yuan pure aviation accident insurance 7-day plan (unlimited flight within 7 days), 30 yuan and 20 yuan 15 days. They are worth tens of millions of dollars, so they can fly with more peace of mind.

Security area (excluding permanent residence)

Domestic travel insurance only covers the travel in Chinese mainland (excluding Hong Kong, Macao and Taiwan), and does not include the administrative area of the prefecture-level city where I live or work.

If you want to protect the risks in your daily life or workplace in China, it is recommended to configure comprehensive accident insurance. For example, The Times, a comprehensive accident insurance with millions of stars and millions of lives, covers the whole world, including domestic daily life. Coverage is wide, and self-funded drugs 100% are reimbursed outside medical insurance.

term of service

Travel insurance must be taken out before you travel, and the protection time of travel insurance must cover the whole journey, starting from the day you leave your permanent residence and ending on the day you return to your permanent residence. You can also add a few days later to prevent the itinerary from changing.

: the age of the insured

1./kloc-the amount of death insurance for minors under the age of 0/8 shall not exceed the limit set by the China Insurance Regulatory Commission (10 under the age of 0 shall not exceed RMB 200,000; Over 10 but under 18, not exceeding 500,000 yuan);

2. For the insured aged 7 1-80, the death/disability and medical expenses involved are half of the protection included in the protection plan, and the premium remains unchanged;

3. For the insured aged 8 1-90, the insured amount of death/disability and medical expenses involved is one quarter of the insured amount in the protection plan, and the premium remains unchanged.

: Other precautions and exclusions

1. Foreigners buy travel insurance: they need to live or work in Chinese mainland for more than 183 days in the past year.

2. The insured applies for compensation for cardiovascular and cerebrovascular diseases, hypertension or diabetes or complications of the above diseases before insurance.

3. Exclude:

No matter what kind of travel insurance or accident insurance, there are quite a few exclusions. It is recommended to pay attention to insurance. All the policy terms can be downloaded and read on the insurance website.

The following picture shows the exemption clause in a domestic travel insurance policy of Allianz, which is similar to other insurance companies. What is often overlooked is point 4: exemption related to pregnancy, and point 16: exemption from participating in sports activities at any professional or professional level, or sports activities with bonuses or rewards. In other words, for sports activities, entertainment can compensate, but competition can't. Food poisoning, drug allergy and heatstroke mentioned in point 5 are generally exempted unless there are special protection items.

Summary:

1. The most important thing in travel insurance is emergency rescue. Try to choose an insurance company with strong emergency rescue strength, and the amount of insurance should match the travel risk.

2. Choose a suitable travel protection plan according to your own itinerary. For example, whether to participate in high-risk activities, whether F

4. After the insurance, you can call the official customer service phone of the insurance company to inquire about the insurance policy, or you can inquire at the insurance company official website. But in official website, sometimes there is a system delay, which can only be found the next day.

Travel insurance must be purchased at least one day before the trip, the sooner the better, and take effect on the set date.

Tips: As long as the effective time is not up, you can surrender unconditionally! However, if it is not necessary, please try not to involve the staff by turning yourself in.