Traditional Culture Encyclopedia - Tourist attractions - What should I pay attention to when buying insurance for travel?
What should I pay attention to when buying insurance for travel?
First, different? Tourist status? You must buy insurance.
At present, there are many overseas insurance products on the market, and different people need to pay attention to different places when choosing. The following summarizes the compulsory insurance for outbound travel, business travel and visiting relatives.
Second, outbound travel pays attention to international rescue services
There are many aspects to pay attention to when buying insurance, such as flight delay, lost documents and stolen property. It is recommended to buy an overseas travel insurance with additional protection such as flight delay or cancellation and personal belongings. In addition, special attention should be paid to international rescue services.
Third, business travel needs ordinary travel insurance and business travel insurance.
We should choose overseas insurance that can protect personal belongings and flight delays. There are two kinds of insurance suitable for business people to go abroad: general travel insurance and special business travel insurance. Although the first kind of insurance is cheap, it excludes the responsibility of personal items such as notebook computers and pda, while the second kind can provide protection in this respect, so it is recommended to choose.
Fourth, pay attention to medical insurance when visiting relatives.
Pay special attention to the amount of medical insurance when choosing insurance, and make targeted choices according to the local medical level. For example, you go to visit relatives in Schengen countries in Europe, such as Germany, France, Italy and the Netherlands. The medical insurance amount should be at least 300,000 yuan.
5. Different? Tourism form? compulsory insurance
Before going out, consumers should choose several insurances according to their own situation, and make comprehensive insurance protection arrangements according to the actual situation to solve their worries.
Six, with the group travel liability insurance, accident insurance can not be less.
Travel agency contracts often include group tours? Insurance? First, so many consumers feel that it is not necessary to buy their own insurance.
But in fact, the insurance insured by travel agencies is travel agency liability insurance. This kind of insurance compensates the travel agency for personal and property damage caused by its own behavior, and does not assume the liability for accidents and medical expenses caused by tourists' personal going out. Therefore, as a traveler who is responsible for himself and his family, it is very necessary to have a travel accident insurance. It is recommended that friends traveling with a group buy self-service insurance cards online, with low premiums and high insurance coverage.
Seven, self-help travel risk assessment and wise purchase
Free travel products usually only include local hotel accommodation and round-trip air tickets, others need to be arranged by themselves, and the risk is no less than pure self-help travel. It is suggested that such travelers can lock their products from the perspectives of coverage, insurance coverage and exemption clauses.
Pay special attention to extreme outdoor sports such as rock climbing, diving and mountain climbing, and? A donkey friend? Preferred modes of transportation, such as chartered cars and hitchhiking, may not be included.
Eight, travel must buy major natural disaster accident insurance.
There are some risks that can't be ignored when traveling on Go Road: for example, drivers are very prone to fatigue, such as unpredictable weather and unknown road conditions, which are hidden dangers during the journey, so it is very important to have a comprehensive accident insurance.
Suggest adding one for self-driving tourists? Nine major natural disasters, accidental death and disability protection? As an additional insurance, the premium is extremely low, but in the event of misfortune, you can get high personal compensation. At the same time, make sure everyone in the car is guaranteed.
Nine, different? What's the coverage? You must buy insurance for outbound travel.
At present, there are five kinds of overseas travel accident insurance: first, travel accident insurance, second, travel personal accident insurance, third, travel accident insurance for lodging tourists, fourth, travel accident rescue insurance and fifth, travel emergency rescue insurance.
X. Personal insurance for lodging tourists
This is an insurance recommended by experts for tourists, which is suitable for tourists staying in hotels or guesthouses. The protection provided by this kind of insurance mainly includes the insurance premium for lodging passengers, the insurance premium for lodging passengers' courageous deeds and the compensation for accidental damage or theft, robbery and loss of passengers' property.
XI。 Travel assistance insurance
Timely assistance is the biggest feature of travel assistance insurance, which extends the general claims of traditional insurance companies and provides timely and effective assistance in case of accidents. Therefore, it is very suitable for traveling with friends and relatives during the long vacation. In case of car breakdown or traffic accident, you can inform the insurance company at the first time to deal with it, without delaying the trip and arrangement at all.
XII. Travel Assistance Insurance
This kind of insurance is very suitable if you travel alone. Because of this kind of insurance, once an accident or legal dispute occurs because you are not familiar with local customs and regulations, you can get free assistance as long as you call the police for help. Choosing this insurance can save you some unnecessary troubles and make your trip smoother.
Thirteen. travel accident insurance
Travel accident insurance is more suitable for tourists who travel by car, ship and other means of transportation. From the time of check-in, boarding or disembarking to the time of check-out or disembarkation, when an accident causes unexpected consequences within the insurance validity period, the insurance company will pay all, half or part of the insurance amount to the insured's family members who suffered from the accident in addition to the medical expenses as required.
XIV. personal accident insurance
This is one of the travel insurance provided by most insurance companies at present, which pays for the accidents in the process of traveling. It can be said that it is a very necessary kind of insurance.
Fifteen, hot spots? Tourism problem? Blind spot of insurance failure warning
In fact, many hot issues encountered in tourism are not covered by travel insurance. When traveling, you must pay attention to buying insurance, and be careful to fall into misunderstanding.
Sixteen, high-risk activities are not insured.
Skydiving, diving and even stupid pig jumping are all exciting activities that many people will take part in when traveling abroad. These activities are generally classified as high-risk activities by insurance companies. Different insurance companies have different definitions of high-risk activities, and being classified as high-risk activities does not mean that they are not insured.
Pay attention to the insurance restrictions for high-risk activities. If the diving depth is particularly limited, it will not be covered beyond a certain depth. Therefore, when buying travel insurance, we should pay more attention.
Seventeen, financial losses are not insured except in special circumstances.
Tourists accidentally lose cash, paper money and traveler's checks during their travels and get compensation for the losses. This situation is mostly applicable to robbery. However, it should be noted that some insurance plans only cover accidental losses, and unattended property is not covered.
18. It is difficult to guarantee the cancellation and delay of tour groups.
Most travel insurance plans have the protection of canceling or shortening the trip. The former will compensate the cost of air tickets, hotel accommodation and admission tickets, while the latter will pay the paid but unused travel expenses, various admission tickets, extra transportation expenses and cash allowance for returning to the insured place. It should be noted that the extended warranty only applies to the insurance before the early warning takes effect or upgrade.
Nineteen. Matters needing attention in purchasing travel insurance
Understand the visa requirements of destination countries for overseas tourists, because different countries have clear requirements for insurance types, insurance coverage and insurance companies.
The insured amount of outbound travel insurance should refer to the number of days of travel and the consumption level of tourist areas.
See the insurance clauses clearly and make a clear claim.
The travel protection plan should pay attention to the targeted insurance according to the actual medical needs of the travel destination.
The rescue guarantee is most applicable when traveling abroad, and this guarantee can not be ignored in particular.
The insurance period purchased shall not be less than the number of days of business trip or business trip.
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