Do I need insurance when traveling?

You must buy insurance. Generally, tourists should buy 4 types of insurance when traveling:

Travel assistance insurance is a type of insurance commonly offered by domestic insurance companies. It is the link between insurance companies and international assistance. Jointly launched by the center, tourists can call to receive free assistance no matter they encounter danger anywhere at home or abroad.

Passenger accident insurance mainly provides risk prevention services for tourists when traveling by means of transportation. 5% of the amount of tickets and boat tickets purchased by tourists is used for insurance. Each insurance The insurance amount is 20,000 yuan, including 10,000 yuan for accidental medical accident. The insurance period starts from checking in and entering the station or boarding the ship midway, until the tourists check in and leave the station or get off the ship midway.

Travel personal accident insurance is best purchased by tourists who participate in adventure tours and thrilling tours. Each insurance premium is 1 yuan, and the insurance amount can be up to 10,000 yuan. Each tourist can buy up to 10,000 yuan. 10 insurances. The insurance period starts from the time when tourists purchase insurance and enters tourist attractions and scenic areas until the tourists leave the tourist attractions and scenic areas.

Personal insurance for accommodation tourists costs 1 yuan each. The insurance period starts from 0:00 on the date of accommodation. The insurance period is 15 days. It can be renewed after the expiration. Each tourist can purchase multiple copies of this type of insurance. The protection provided mainly includes an insurance premium of 5,000 yuan for accommodation passengers, an insurance premium of 10,000 yuan for accommodation passengers who are willing to pay for their own righteousness, and a compensation of 200 yuan for passengers whose personal belongings are accidentally damaged or stolen, robbed or lost.

Tourist personal accident insurance is a compulsory insurance regulated by the national tourism management department in the form of departmental regulations. When traveling with a travel agency, tourists must be clear about their insurance rights.

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