How to buy travel insurance? Avoid two major misunderstandings

The so-called travel insurance, or travel accident insurance, means that if an accidental injury or medical problem occurs during the trip during the insurance period, as long as it is within the coverage of the insurance company, you can obtain insurance coverage from the insurance company. claims or services. So, how to buy travel insurance? Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

Group travel: travel agency liability insurance + travel accident insurance

Example: Mr. Ou, an employee of a foreign company, plans to fly to Mount Jiuhua and Huangshan in a group with his girlfriend during the National Day Go on a 4-day tour. "The travel agency has liability insurance and accident insurance. But we are worried that the coverage is not broad enough, and we would like to inquire if there is a suitable insurance and buy another one ourselves." What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at the latest list! Ranking of popular accident insurance among insurance companies across the country!

Comments and suggestions: "Travel agencies generally have two types of insurance, one is travel agency liability insurance for themselves, and the other is accident insurance for organized tourists." said Mr. Gan, a senior insurance salesperson at Ping An Insurance , the former is a type of insurance used by travel agencies to pass on their own responsibilities, while the latter is generally a group accident insurance. It is worth mentioning that travel agency group tours basically include travel agency liability insurance, but do not include travel accident insurance; and travel agency liability insurance will only bear the liability for compensation when tourists’ personal and property losses are caused by the travel agency’s responsibility. Therefore, travel agency liability insurance cannot be equated with travel accident insurance. It is best for tourists to buy a tailor-made travel accident insurance for themselves: when going to remote areas with low medical standards, you can choose insurance with emergency rescue services; when going to plateau areas, you can buy specialized plateau travel insurance. As for how Ping An Insurance is, I just compiled relevant content, I hope it will be helpful to you: How is Ping An Insurance? Ranking list of the top ten Ping An insurance products!

Self-guided travel: Comprehensive accident insurance + outdoor sports insurance

Example: Xiaojia is the administrator of several "travel friends" groups in Guangzhou, and often uses weekends to organize "travel friends" to travel inside and outside the province When it comes to mountain climbing, “We generally don’t buy additional travel accident insurance because we often go out for fun. Everyone has a year-round comprehensive accident insurance that covers high-risk sports. As long as an accident occurs, you can get corresponding compensation.” Xiaojia told reporter.

Comments and suggestions: “For those who travel frequently, it is recommended to purchase a comprehensive accident insurance with a one-year protection period. Traffic accidents after work," suggested Mr. Gan, a senior insurance salesman from Ping An Insurance. Comprehensive accident insurance can provide compensation as long as it is an accident. It should be noted that extreme outdoor sports such as rock climbing, diving, and mountain traversing are not covered by ordinary accident insurance. Those who like outdoor sports need to add high-risk sports accident protection features or purchase specialized outdoor sports insurance.

Self-driving travel: Self-driving travel accident insurance + vehicle occupant insurance

Example: Mr. Jiang, a post-80s white-collar man, loves self-driving travel. “I didn’t pay attention to buying insurance before, but I got an accident once before. In the event of an accident, our insurance awareness has improved a lot." Mr. Jiang told reporters that the car insurance should be as complete as possible, including insurance for people on the car, and the insurance amount should be as high as possible. In addition, we also purchased special accident insurance for self-driving travel. "Self-driving travel insurance provides more comprehensive road rescue services, including on-site fault rescue, distress rescue, cart rescue and other services, which is very suitable for self-driving travel."

Comments and suggestions: Insurance experts believe that Mr. Jiang is Self-driving travel enthusiasts have set a good example by purchasing insurance. Car owners can also choose short-term personal accident insurance based on the number of days they travel and their risk profile. Some insurance companies have specially launched self-driving travel insurance. There are self-driving travel protection specially designed for people who travel by self-driving during the National Day. There are also self-driving travel insurance plans launched one year ago for people who often drive by themselves. Insurance experts from the Guangdong branch of American Insurance said that in addition to the risks of daily driving, self-driving travel also faces some special risks. Before traveling, it is still necessary to add enough insurance for the car and the people on the car according to different vehicle conditions, destinations and road conditions on the way. Assure. "Those who travel by car can purchase special self-driving travel insurance. If the car owner has purchased insurance for people on the car, when choosing self-driving travel insurance, the risk of property damage on the car should be considered."

How to buy travel insurance and avoid insurance misunderstandings

Myth 1: Travel agency insurance is enough. Many citizens who travel in a group often think that as long as the travel agency has purchased travel liability insurance, they can go to the insurance company for any problem. In fact, this is not the case. When unexpected situations occur during travel, the travel agency only bears part of the responsibility. Travel insurance includes travel liability insurance and travel accident insurance. Travel liability insurance is an insurance that travel agencies must underwrite. However, it only pays for the travel agency's financial liability due to negligence or fault. If an accident occurs to the tourist himself, it is not covered. Travel accident insurance covers personal injuries caused by accidents during travel. Therefore, before going on a trip, in addition to confirming the travel liability insurance of the travel agency, you should also buy a travel accident insurance yourself to increase your protection.

Myth 2: The more expensive the travel insurance, the better. After deciding to buy travel insurance, which insurance company’s product to buy and how much insurance to buy have become issues to consider.

In the traditional concept, when buying insurance, of course, the higher the insured amount, the better. Especially when going abroad, considering the consumption level abroad, insurance companies often persuade customers to purchase insurance with high insurance amounts. Many insurance companies offer overseas travel insurance with insured amounts ranging from 500,000 yuan to 1 million yuan. In fact, it is not necessarily better to have a higher insurance amount for overseas travel insurance. When choosing the amount of insurance, you should refer to the number of travel days, the consumption level of the travel area, etc. For example, if you go to countries with high medical expenses such as the United States, Singapore, and Japan, the insured amount of medical insurance should not be less than 200,000 yuan. If you go to countries such as Thailand and Malaysia, if the trip is short, the insured amount of medical insurance should be no less than 100,000 yuan. It’s about 10,000 yuan.

How to buy suitable travel insurance

Friends traveling abroad need to consider purchasing an overseas travel insurance that includes dual protection for accidents and emergency rescue. Since the cost of medical treatment abroad is relatively high, consumers’ travel protection cannot be too low. According to the regulations of the Council of the European Union, when applying for a national visa, you need to purchase accident medical insurance of no less than 30,000 euros (equivalent to RMB 300,000) and with overseas rescue functions.

Accommodation safety is also one of the concerns of tourists. Many companies have launched personal insurance for accommodation passengers. If the passenger is lost due to an accident, external attack, or theft or robbery of his or her belongings, the insurance company will pay the insurance premium according to different standards. For example, Sunshine Property & Casualty Insurance has newly launched Sunshine Accommodation Passenger Accident Injury Insurance. The insurance liability includes "accidental injury within the hotel accommodation" protection liability, "accidental injury medical treatment within the accommodation hotel" protection liability, and also adds accident protection liability outside the hotel accommodation.

Baoge Tips: When purchasing travel insurance, choose different insurances according to different travel modes, so that you can buy the insurance products you like, effectively improve the level of protection, and play the role of insurance protection.