What insurance should I buy for traveling?

With the increasing popularity of tourism, there are more and more risk factors in the process of tourism, and unnecessary accidents frequently appear in newspapers, which makes people uneasy. How to guard against the risks in the journey? So, what kind of insurance does travel have? Qingtian Com believes that the following types of insurance can be considered:

First, passenger accident insurance

Traveling by car and boat is an essential form. Not afraid of 10 thousand, just in case, the last insurance is equivalent to wearing a seat belt. Therefore, the premium for compulsory passenger accident insurance has been included in the fare. Passengers have actually taken out their insurance when they buy tickets and boat tickets. The premium is calculated at 5% of the fare, and the insured amount of each insurance is RMB 20,000. 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 insurance period, if a passenger dies, is disabled or loses physical function due to an accident, the insurance company shall pay all, half or part of the insurance amount to the injured person or the family members of the deceased in addition to the medical expenses as required. Of course, it is best to buy insurance when flying.

Second, travel personal accident insurance

Before going to some scenic spots with special activities and experiencing thrilling tourism projects, it is best to choose to go to personal accident insurance voluntarily. At present, the insurance company provides this type of insurance, with a premium of 1 yuan per share and an insured amount of 1 10,000 yuan. You can vote 10 at most once. The insurance period is from the time you buy insurance and enter the tourist attractions or scenic spots to the time you leave the scenic spots. What needs to be emphasized here is that passengers can choose whether to buy this insurance according to the safety factor of tourism projects.

Qingtian Com believes that it is best to buy insurance when you take the following tours:

1. Adventure tours, such as exploring the Grand Canyon, visiting vast deserts and grasslands, and exploring caves;

2. Eco-tours, such as watching animals in wild zoos and picnicking and camping in wild botanical gardens;

3. Thrilling sightseeing projects, such as water rafting and rock climbing.

4. Wonderful activities in various amusement parks.

Three. Personal insurance for lodging passengers

What should I do if I am attacked while traveling abroad? Or how can you go back to your hometown if you are robbed by a pickpocket? Today, with the development of insurance industry, China's insurance companies have opened up new types of life insurance for accommodation passengers. The premium of this insurance is 1 yuan, and the insurance period is 15 days from 0: 00 on the day of stay. You can renew your insurance when it expires, and you can take more than one copy at a time. Each insurance liability is divided into three aspects:

1, and the insurance premium for accommodation passengers is 5,000 yuan;

2. The insurance premium for lodging passengers is 1 1,000 yuan;

3. Compensation to 200 yuan for accidental damage or theft of passengers' property.

During the insurance period, if a passenger is killed, disabled or physically disabled due to accidents, foreign attacks, murders or to protect his or others' lives and property, or his or her property is stolen or robbed, the insurance company will pay insurance benefits according to different standards.