What do you think is the best travel insurance?

Travel insurance is purchased in an insurance company. Many domestic insurance companies have launched travel insurance products for travel enthusiasts to choose from. Insurance companies that provide travel insurance products: China People's Insurance, China Life Insurance, Ping An Insurance, Pacific Insurance, Yi 'an Insurance, Changsheng Life Insurance, Lippo Insurance and Meiya Insurance.

Consumers can log in to the relevant insurance company official website or go to the business outlets of relevant insurance companies to consult the specific details of travel insurance products. Consumers need to be clear about their needs when purchasing travel insurance products. If consumers travel in China, they can choose domestic travel insurance; If consumers travel abroad, they can choose overseas travel insurance.

Take China People's Insurance Company as an example. China People's Insurance Company's domestic travel insurance includes domestic road travel insurance, domestic travel insurance, plateau travel insurance, domestic business travel insurance, domestic free travel insurance, domestic parent-child travel and other products.

The coverage of each travel insurance product is different. The coverage of plateau travel insurance covers the plateau areas of China (Tibet, Yunnan, Sichuan, Qinghai and Xinjiang), and no claims are paid for travel accidents in non-plateau areas.

Domestic travel insurance protection mainly provides consumers with accidental medical treatment and accidental injury protection, but does not provide protection for patients with congenital diseases and congenital malformations.

Glad to answer your question:

First of all, if you are traveling with a group, the company special line will buy you travel accident insurance. Whether at home or overseas, every special line has long-term cooperative insurance companies.

Secondly, for tourism, the travel society recommends some of their platforms to guests, allowing them to choose their own insurance companies and types of insurance. This is bought by the guests themselves.

In fact, the most important thing in traveling is safety. There are many types of insurance, but I suggest buying the one recommended by the travel agency. After all, they have long-term cooperation and it is convenient to pay for something!

Buy short-term travel insurance online. Travel insurance is a short-term insurance product with accident risk as the main protection content. Accidents are everywhere. What's more, most of the time when traveling is outdoors, which greatly increases the possibility of accidents. Accidents are also prone to occur by various means of transportation, and it is also common to encounter flight delays by plane.

Short-term travel insurance in the market usually includes accidental death and burns, disability protection, medical expenses compensation for accidents and acute diseases, emergency medical transportation and return, flight delay, lost air checked baggage, stolen bank cards, third party liability, etc. The amount of protection is different. Usually, the amount of protection for accidental death is between 6.5438+10,000-6.5438+10,000 yuan, and the scope of claims for other insurance products and

Travel insurance offered by major insurance companies is similar. It depends on where to go when you are insured, and it is more reliable to insure according to your own situation.

Physical and mental safety is the best travel insurance.

As we all know, travel insurance is usually divided into travel agency liability insurance and travel accident insurance.

Travel agency liability insurance is paid by the travel agency and the beneficiary is the travel agency.

Travel accident insurance is purchased by tourists voluntarily, and the beneficiary is tourists.

If something goes wrong, the insurance company will not pay until it accepts and meets the terms.

When traveling, self-defense is the most important thing. Peace is the best insurance and the greatest guarantee. Don't "know that there are tigers in the mountains, but insist on walking with tigers." This kind of consciousness is absolutely unacceptable. No matter how good the terms are, insurance is not guaranteed.

Allianz and Meiya's travel accident insurance are recommended in terms of the smoothness of claims and the items covered by insurance. Including lost luggage, lost family property during travel, trip cancellation and change, trip delay, etc.

If you are traveling in China, the distance is short, the high-speed train travels, and the local public security is good, you will not carry valuables with you and will not participate in high-risk sports.

It belongs to a trip for the purpose of rest and relaxation. For this kind of travel, the main consideration is personal safety when purchasing travel insurance. Corresponding to insurance products, this product is enough as long as it protects accidental death, disability and medical care. The protection of accidental death and disability is easy to understand. It was just an accident. Just pay a certain compensation according to the insured amount.

Accidental medical treatment is the easiest thing to get tricky. You can't just look at the amount of compensation. You must open the contract and find the item "unexpected medical treatment". Look carefully at the accidental medical treatment of this insurance, whether there is a deductible, what is the reimbursement ratio, and whether it only reimburses medical expenses within the scope of social security.

Travel insurance, that is, travel insurance, is the protection against all accidental deaths and injuries caused by various accidents that may occur in the process of traveling abroad (except illness, surgery, suicide, war chaos, professional sports competitions and intentional acts), and can generally be settled by insurance companies. Its characteristics are to ensure tourism safety, comprehensive responsibility and high security.

Main types:

travel accident insurance

Traveling by car and boat is essential. The insurance period starts from the time when the ticket goes through the formalities of entering the station or boarding, and ends when the ticket goes through the formalities of leaving the station or leaving the ship. During the validity period of insurance, if an accident causes the death, disability or loss of physical function of tourists, the insurance company shall pay insurance money to the injured or the family members of the deceased in addition to medical expenses as required.

Travel personal accident insurance

Before going to the scenic spot and experiencing thrilling tourism projects, it is best to choose to go to personal accident insurance voluntarily. The insured amount is 10000 yuan, and at most 10 copies can be insured at one time. The insurance period is from the time you buy insurance and enter the tourist attractions to the time you leave the scenic spots.

Tourists can choose whether to buy the insurance according to the safety factor of tourism projects. But when you take the following tours, you'd better buy insurance: adventure tours, such as exploring grand canyons and caves, going to deserts and grasslands, etc. Eco-tourism, such as watching animals in wild zoos, picnicking and camping in wild botanical gardens, etc. Thrilling swimming, such as drifting with rapids and climbing cliffs.

Personal insurance for lodging tourists

From 0: 00 on the day of check-in, the insurance period is 15 days, and the insurance can be renewed at the expiration, and multiple copies can be invested at a time. During the insurance period, the insurance company will pay insurance benefits according to different standards if tourists die, become disabled or lose their physical function due to accidents, foreign attacks, murders or to protect their own or others' lives and property, or their property is stolen or robbed.

Each insurance liability is divided into three aspects: first, the insurance premium for accommodation tourists is 5000 yuan; 2. Insurance premium for lodging tourists 1 1,000 yuan; Third, compensate 200 yuan for the accidental damage or theft of tourists' belongings.

Travel assistance insurance

Jointly launched by insurance companies and rescue companies. Visitors can call for free assistance no matter where they are in danger at home or abroad. Expand the original personal accident insurance service for tourists, extend the general claims of traditional insurance companies, and provide timely and effective help in case of accidents.

Accident insurance, life is gone, accidents are inevitable, either people go home or money goes home!