How should tour guides buy personal accident insurance?

Due to professional needs, tour guides often travel between famous tourist attractions, and the risk of accidents is greater. In order to further improve your protection, I suggest you buy a suitable accident insurance in time. What should I pay attention to when buying accident disability insurance for tour guides?

The so-called accidental disability level insurance refers to the additional risks attached to personal accident insurance. Pay attention to the following points before insurance:

1. Pay attention to the provisions of insurance clauses on deductible, self-funded ratio and maximum reimbursement limit of medical expenses, and try to choose accident medical insurance with low deductible, large reimbursement ratio and high reimbursement limit.

2. Accident insurance should pay attention to the protection of medical expenses. Pay attention to the compensation of medical expenses when buying accident insurance.

3. Understand the definition of accident. Insurance clauses stipulate that accidents are "foreign", "sudden", "unintentional" and "non-disease". For example, if it is a sudden disease, it is sudden and unintentional, but because it is a disease, it does not care about the scope of trauma.

4. Understand the liability exemption, coverage, insurance conditions and hospital visits of accident insurance. Accident insurance has restrictions on the insured's occupation, and high-risk occupations will refuse insurance. Most accident insurance products have requirements for hospitals. The general requirements are hospitals with grade two or above. What should I pay attention to when buying accident disability insurance for tour guides? The above precautions are for your reference. It is an insurance platform that provides professional accident insurance. Welcome to compare choices. The domestic coverage of Allianz customized tour guide plan: * Designed for domestic tour guides * Accidental death and disability of 300,000 yuan, sudden death of 654.38+10,000 yuan * Public transportation accident of 300,000 yuan, and hospitalization allowance as low as 100 yuan/day: 350 yuan Allianz customized tour guide plan coverage: * Designed for overseas tour guides, loss of travel documents of 3,000 yuan * Accidental death and disability.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.