Is it necessary to buy insurance for domestic travel?

It's necessary to have fun!

if you want to buy a travel insurance,

then I will present you with a travel insurance strategy from the aspects of selecting key points, excellent products and so on.

whether you are traveling abroad or enjoying the great rivers and mountains of the motherland, here can help you. First, the key to choosing travel insurance is three points

When you are away from home, some unexpected things often happen.

So, how should we choose travel insurance to make our journey more secure?

Selection point 1: medical insurance coverage

The economic development of countries around the world is unbalanced. A week's hospitalization in India may be enough for several thousand yuan;

But if you get sick in Europe and America, it may cost thousands of dollars to call an ambulance once.

therefore, when buying travel insurance, we should first pay attention to the medical insurance coverage, which should be sufficient to meet the medical expenses of the tourist destination.

At present, traveling to some countries and regions requires medical insurance coverage.

For example, Schengen countries require not less than 3, euros (about 3, RMB), and Taiwan Province in China requires not less than 125, RMB.

key point 2: emergency rescue

In p>217, there was a news that a Chongqing tourist suddenly developed meningitis in Bali and eventually spent 6, yuan on a charter flight to return to China for treatment ...

If she bought travel insurance with emergency rescue, the insurance company could bear the 6, yuan, without having to pay a penny herself.

in a foreign country, the road to life is unfamiliar. If there is a rescue service from an insurance company, at least you won't be at a loss when an accident happens.

selection point 3: high-risk sports

if you want to experience hot air balloon, diving, rock climbing and other exciting projects during your trip, ordinary accident insurance is probably not covered, and you need special travel insurance.

you can confirm whether to protect high-risk sports through insurance clauses or consulting the customer service of insurance companies.

in addition to the above three points, travel insurance also covers flight delay, lost luggage, property theft and personal liability, and you can choose according to your needs. Second, which one should I buy for overseas travel?

familiar places have no scenery. If you have enough time and budget, it is also very good to go abroad for a walk.

For overseas travel insurance, I have also selected the following items:

Let's come to the conclusion directly:

If we pursue comprehensive protection, the medical coverage of Shi Dai's "Global Overseas Travel Insurance" and Zhongan's "Schengen Travel Insurance" is more than 5,, and the emergency rescue is more than 5 million, which makes people feel very safe.

in addition, after confirmation with customer service, Zhongan can guarantee this product in all countries of the world, not only in Schengen;

If you think it's enough, Allianz's Overseas Long-distance Travel Plan and Ping An's Antu Asia are all good, and more than 1, medical insurance is enough for going to Southeast Asia.

If we pay attention to emergency rescue: Shidai, Meiya and Allianz are all self-owned rescue organizations, which saves the step of third-party cooperation and authorization, and the follow-up service will be more convenient and quick;

If you participate in high-risk activities: Zhongan's Schengen Travel Insurance covers the most high-risk activities, such as hot air balloon, rock climbing, skiing, mountaineering and other activities can be insured.

remind everyone to insure in advance, and the effective date of the policy is the day of departure.

if you get on the plane and come back for insurance, you can only start insurance after : the next day. 3. What insurance should I buy for domestic travel?

In fact, if you travel in China, it is enough to have an ordinary accident insurance.

But if you want to strengthen the protection, or engage in high-risk sports such as diving and paragliding, you need a travel insurance.

Let's come to the conclusion directly:

If it's a leisure tour, we recommend the Pacific Folk Music Short Tour and Allianz Antu China, among which Antu China has more comprehensive protection, including acute medical care, vehicle rescue and other services, and the price is slightly more expensive.

If you travel to the plateau, such as Tibet, Daocheng and Shangri-La, you can choose Ping 'an Plateau Travel Insurance and Zhongan Lvyou Travel Insurance, which have special protection for altitude sickness, and Ping 'an can also pay for hospitalization.

If you take part in high-risk activities: Zhongan's "Traveler Insurance" can cover popular activities such as diving, skiing and paragliding, which is basically enough for most people.

If it's a trip to Hong Kong, Macao and Taiwan, Taiping's "Domestic and Asian Tour" and the Pacific's "Taiwan Province Travel Insurance" are both good, so just take your seats accordingly. Iv. Aviation accident insurance. It is recommended to take out an aviation accident

It is a small probability event, but once it happens, it will be a disaster, and

it will be a fatal blow to my family. Anyway, I will buy an aviation accident insurance every time before flying.

you can buy tens of millions of aviation accident insurance for a few dollars, so there is no need to save this money.

In the event of an unfortunate air crash, at least our family will be multi-millionaires.

Basically, we will have enough food and clothing for the rest of our lives, which can be regarded as our due responsibility.

Travel insurance is a very personalized product, and each product of each company is different.

It is difficult to cover everything, but these products should meet the needs of most people.

I wish you come on the spur of the moment and enjoy yourself.

You can click on my avatar, click on the official website of Deep Blue Insurance, and view relevant original articles. I believe you will gain something. (Deep Blue Security Network Universal ID:shenlanbao)