Take stock of the travel insurance clauses you don't know.

It has become the habit of many people to buy an overseas travel accident insurance before traveling abroad. In the face of overseas travel with certain risks, most people will buy an insurance before going out. However, in a wide variety of accident insurance products, in addition to paying attention to accident protection, emergency rescue, medical care first and so on. We should also pay attention to some ordinary and inconspicuous additional terms. During the trip, the flight is delayed or cancelled, the trip is shortened or cancelled, and the stay time is extended. You can get the corresponding economic compensation through insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

Flight delay: At present, most overseas travel insurance products on the market contain the responsibility of "flight delay". In addition, most of the aviation accident insurance sold by major airlines and travel agencies also give flight delay insurance. Flight delay guarantee can be compensated by hours, with the highest compensation amount, but usually the highest compensation amount is within 1000 yuan. Whether the flight delay can be compensated by insurance mainly depends on the agreement in the additional insurance clauses. Some products include flight delays caused by strikes, riots and terrorist activities as the compensable part.

Flight delay: At present, most overseas travel insurance products on the market contain the responsibility of "flight delay". In addition, most of the aviation accident insurance sold by major airlines and travel agencies also give flight delay insurance. Flight delay guarantee can be compensated by hours, with the highest compensation amount, but usually the highest compensation amount is within 1000 yuan. Whether the flight delay can be compensated by insurance mainly depends on the agreement in the additional insurance clauses. Some products include flight delays caused by strikes, riots and terrorist activities as the compensable part.

Extension of stay: Some overseas travel insurance products also include the protection responsibility of "extension of stay" caused by riots and other events. When traveling abroad, if the stay in the local area is temporarily extended due to riots, tourists will generally incur more expenses such as accommodation and food. In this case, if overseas insurance products contain the "extended stay" clause, they can provide economic compensation to passengers to a certain extent, and the maximum compensation amount can exceed 1 10,000 yuan.

Shortened itinerary: Due to riots in a certain place and other reasons, tourists are in a hurry to return to China, which leads to shortened itinerary. The expenses incurred, such as hotels, changing airline tickets, etc., can be compensated through the "travel shortening" item in overseas travel insurance. Most overseas travel insurance products provide compensation liability for trip shortening caused by riots and other events, but if tourists can get a refund or compensation from the government, hotels, airlines, travel agencies or other travel service agencies, they may be refused compensation by insurance companies. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Itinerary change: If a passenger cannot go to a certain place as agreed due to riots and other reasons and must change his scheduled itinerary, the insurance company will pay the itinerary change insurance premium for the increased transportation or accommodation expenses. However, if passengers have been informed of the potential risks that may lead to the change of itinerary, such as riots in this area, they may also face refusal to pay.

Trip cancellation: What tourists are most worried about is whether the economic losses caused by trip cancellation can be compensated by the insurance company. For example, the relevant state agencies issued a travel warning not to travel to a certain country or region, which led to the final cancellation of the tour group or the inability of individuals to travel freely. In this case, if the overseas travel insurance products insured by tourists contain the insurance liability of "travel cancellation", then they can directly get the corresponding compensation, and the compensation amount can exceed 10,000 yuan.

China Merchants Cigna Overseas Travel Insurance (Global) is recommended, which can comprehensively help tourists cope with all kinds of risks and accidents during overseas travel. In addition to the above provisions, it also provides emergency rescue services, covering travel accidents, sudden STD medical treatment, death and so on. Unique global overseas inpatient and outpatient medical services make you worry-free when you go out.