What personal insurance is available for domestic tourists?

This article mainly introduces the relevant content of personal insurance for domestic tourists, including insurance types, insurance fees, purchase methods, insurance rights, insurance risks, etc. The article finally summarizes the importance of personal insurance for domestic tourists and recommends that tourists prepare personal insurance before traveling in order to have a safer travel experience.

Personal insurance for domestic tourists:

1. Types of insurance

1. Accidental injury insurance: It mainly protects travelers who are injured in accidents during travel. Receive financial compensation.

2. Emergency medical insurance: It mainly protects travelers who receive emergency medical services if they suffer accidental injuries or illnesses during travel.

3. Baggage delay insurance: It mainly protects travelers who can get financial compensation if their baggage is delayed during travel.

4. Trip cancellation insurance: It mainly protects travelers who suffer accidental injuries or illnesses during travel and can receive trip cancellation compensation.

2. Insurance fees

1. The size of the insurance fee depends on the type of insurance, insurance period, insurance amount and other factors.

2. Generally speaking, the premiums for accident insurance are lower, the premiums for emergency medical insurance are higher, and the premiums for baggage delay insurance and trip cancellation insurance are lower.

3. Purchase method

1. Online purchase: Insurance can be purchased from insurance companies or third-party platforms, and third-party payments such as Alipay and WeChat are supported.

2. Offline purchase: You can purchase insurance from local insurance companies or travel agencies, and payment methods such as cash and credit card are supported.

IV. Insurance rights and interests

1. Accidental injury insurance: This guarantees that travelers can receive financial compensation if they are accidentally injured during travel.

2. Emergency medical insurance: Travelers are guaranteed to receive emergency medical services in the event of accidental injury or illness during travel.

3. Baggage delay insurance: It protects travelers who can receive financial compensation if their baggage is delayed during travel.

4. Trip cancellation insurance: Travelers are protected from accidental injury or illness during travel and can receive trip cancellation compensation.

5. Insurance Risks

1. Insurance liability exemption: If the loss occurs due to the traveler’s intentional behavior or negligence, the insurance company has the right to refuse compensation.

2. Insurance period limit: Generally speaking, the insurance period cannot exceed one year. Tourists should pay attention to the insurance period limit during their travels.

3. Insurance amount limit: Under normal circumstances, the insurance amount cannot exceed the maximum amount stipulated in the insurance contract. Tourists should pay attention to the insurance amount limit when purchasing insurance.

Personal insurance for domestic tourists is very important to protect the safety of tourists. Before traveling, tourists should understand the insurance types, insurance fees, purchase methods, insurance rights and insurance risks, etc., and prepare personal insurance to ensure their safety. Looking forward to a safer travel experience.