What about insurance travel?

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.

Safeguard responsibility

Travel insurance generally includes medical expenses, personal accidents, accidental double indemnity, emergency medical transportation, repatriation expenses, personal luggage, luggage delay, trip cancellation, trip delay, trip shortening, personal money and documents, personal responsibility, etc.

Personal accident protection for tourists

Give a pre-agreed amount due to accidental death or lifelong disability.

Travel medical expenses guarantee

Accidental medical expenses during the trip. Perfect travel insurance should include "international medical support" service. In the event of a major accident in the field, the insured can enjoy the services of the international medical team; For example, emergency medical transportation or return to the country of origin. Most travel insurance only covers medical expenses caused by accidents, but a few policies can also cover medical expenses caused by illness during the trip.

Travel personal property protection

Protect the economic losses caused by accidental damage or theft of property during the journey.

Personal legal liability protection of travel

To protect the claim for personal injury or property loss caused by the negligence of the insured during the travel. Because the terms of policies issued by different insurance companies may be different, the scope of protection may also be different.

Travel delay or protection cancellation

Cancel the trip: If the insured is unable to make the trip due to serious illness or accident between the effective date of the policy and the departure date, the insurance company will be responsible for all losses such as travel deposit and air ticket.

Travel delay: If traffic is delayed due to bad weather, mechanical failure, industrial action or robbery, the insured can get compensation on time.

Shorten the journey: If the insured or his family members need to end the journey ahead of schedule due to an accident, serious illness or death, the insured can claim for the expenses paid or not enjoyed.

coverage

What to buy?

What kind of personal accident insurance to buy is mainly measured by the length of travel. No matter whether it's a domestic tour or an outbound tour, if the time is less than 7 days, you need to pay 25 yuan personal accident insurance fee, with the insured amount of 6,543,800 yuan. For lines with 8 days or more, the insurance premium of 50 yuan or above shall be paid to increase the insurance coverage.

When buying tourism products in banks and going to road trip, you can buy them from tour operators or insurance companies, log on to the official website of insurance companies, or go to the agency of insurance companies in person. "Aviation accident insurance" can be purchased at the ticket sales agent or the airport.

How to buy?

1, pay attention to the insurance period, such as 7 days or 10 days;

2. It is very important to see clearly the scope of insurance coverage, what to protect and what not to protect, especially the exemption clause;

3, pay attention to the amount of insurance, some people think that travel insurance is the same, in fact, sometimes the price is the same, but the amount of insurance is different;

4, the amount of insurance must be enough, some people are used to buying accidents of 654.38+ 10,000 yuan and medical treatment of 5,000 yuan at ordinary times, which is actually of little help, because people buy insurance in the hope of getting compensation beyond their ability to pay. If the insurance coverage is low, there will be a big accident, which really can't help. Therefore, it is recommended to buy travel insurance products with an accident amount of more than 200,000 and an accident medical treatment of more than 20,000.

5, pay attention to buy convenient and fast travel insurance, travel to prepare a lot of things, if you spend too much time buying insurance, it is equivalent to consuming a lot of time and cost, people are also very tired, not cost-effective.

6. After purchasing, be sure to check whether the elements of the insurance policy are complete and correct, and whether the insurance information is perfect. Generally, there should be invoices, insurance policies, insurance policies and insurance clauses for insurance.

Claim matters

If the insured has an insurance accident within the scope of insurance responsibility during the insurance period and during the travel period, please call the 24-hour rescue telephone number or report telephone number of each insurance company as soon as possible.

Pay attention to claims: (Take accidents outside China as an example)

Submit an insurance policy

The application for travel insurance is a very important document that must be submitted when making claims. Check the policy number, personal information, expiration date, travel destination and signature one by one when making claims.

Medical record

Medical records are important materials that must be provided when overseas travel insurance claims. In foreign countries, if there is no medical record, there will be relevant diagnostic proof materials.

receipt

Receipt is the most important part of claim data. Only after payment, the hospital will issue relevant receipts to customers. It should also be noted that before submitting the claim information, it is necessary to verify whether the receipt is the original.

Disease settlement

Overseas travel insurance can also cover the expenses incurred by the disease clinic. However, there are certain restrictions on the definition of diseases, which must be carried out abroad, and attention should be paid to claims.

Claim materials

1. Insurance claim application;

2. Original insurance policy;

3. The identity certificate of the insured;

4. Certificate of accidental injury or death of the insured issued by the public security department or medical institution. If the insured is declared dead, the applicant shall provide a death certificate issued by the people's court;

9. If the medical expenses agreed in the contract arise, provide the list of medical expenses agreed in the contract and other relevant claims materials.

6. The insured's travel documents such as travel tickets (such as air tickets and boat tickets). ), hotel accommodation tickets, tour group fee documents must be submitted in copies and originals for inspection;

7. Other certificates and materials that the applicant can provide to confirm the nature, cause and loss degree of the insured accident.

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