How to buy accident insurance for group travel?

In order to further experience the infinitely charming scenery and enjoy a comfortable and wonderful life, many people have begun to travel in groups. At the same time, group travel accident insurance has begun to enter people's field of vision. So, how to buy group travel accident insurance? 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!

What are the types of group travel accident insurance?

There are many types of group travel accident insurance. For example, when students travel in a group, they should consider purchasing a group travel accident insurance for their group. Groups can choose suitable insurance according to their itinerary; while choosing traffic accident insurance, they can also choose group travel accident insurance to provide extra protection for their travels.

What are the characteristics of group travel accident insurance?

1. When making claims for group accident insurance, most of them follow the 7-level disability compensation standards promulgated by the People’s Bank of China. That is to say, within the scope of work-related injury appraisal, level 8 and 9 disabilities do not constitute compensation. scope. During the construction process, level 8 and level 9 disability accidents still often occur, which means that group accident insurance coverage is not comprehensive enough. Regarding the differences and claims between critical illness insurance, accident insurance, accident insurance and life insurance, I have just compiled relevant content. I hope it will be helpful to you: Detailed introduction to critical illness insurance, medical insurance, accident insurance and life insurance! Claims Guide

2. Group accident insurance has restrictions on the increase or decrease of personnel. Generally, the change of personnel cannot exceed 30% of the total number of people. If it is an ordinary enterprise or institution, it is generally more suitable, but it is not suitable for those units with high personnel mobility, such as engineering companies, security companies, etc.

3. Although group accident insurance is handled by the unit, it cannot completely solve the problems of the insured unit. For example, occupational diseases are not covered by group accident insurance.

How to buy accident insurance for group travel?

For some business units and school clubs, outings will be organized regularly to increase the ability of unity and collaboration. However, when a group travels with a large number of people, management is difficult and accidents are easy to occur. You can purchase a group domestic travel insurance before departure. Before choosing this type of insurance, you need to clarify whether the number of people traveling meets the criteria for purchasing group domestic travel insurance, which is generally more than 8 people. If the group travel routes and destinations are well-developed tourist routes and attractions, the safety factor is relatively large, and travelers can simply purchase a short-term accident insurance covering the duration of the trip. In addition, if you have high-risk sports, such as diving, mountain climbing, rock climbing, etc., you need to pay special attention to the coverage and choose an overseas group travel insurance that can cover high-risk sports.

It is extremely pleasant to travel abroad as a group and experience the infinite customs of foreign countries. However, due to the large number of travelers, the overall cost of purchasing overseas travel insurance individually is relatively high and is not cost-effective. Therefore, it is recommended that the team leader purchase overseas group travel insurance. When purchasing this type of insurance, different travel countries have different priorities. If a group travels to countries with average medical standards such as Thailand and Malaysia, the medical coverage of group overseas travel insurance does not need to be too high, which is about 100,000 yuan. If you are going to countries with high economic levels and expensive medical expenses such as the United States, Canada, and Japan, the medical insurance coverage of the group overseas travel insurance purchased should be more than 200,000 yuan. When traveling to European Schengen countries as a group, such as France, Italy, Germany, etc., you need to apply for Schengen visa insurance.

What should you pay attention to when purchasing accident insurance for group travel?

When selecting group travel accident insurance, you need to pay special attention to the coverage period, which must include the actual number of days of the group trip. It is necessary to comprehensively analyze the unexpected risks that group travelers may face, and individual individuals cannot be considered individually. In addition, for students who go abroad to participate in summer camps collectively, they need to pay special attention to the coverage when choosing group overseas travel insurance. Because the child is young and has weak adaptability, the medical allowance can be appropriately increased.

When purchasing group travel accident insurance, you need to select products in a targeted manner based on the actual travel conditions of the group. Of course, a good purchasing platform will help tourists purchase a satisfactory group travel accident insurance.

Bao Ge’s Tip: From the above, it can be seen that groups traveling domestically can choose a suitable domestic group travel accident insurance, while groups traveling overseas are best to choose an overseas accident insurance with powerful protection functions. Group travel accident insurance. In addition, in addition to paying attention to group travel accident insurance, you can also pay attention to the following products.