How to buy travel insurance?

Summer vacation is a good time to go to the island to play with water, but the recent frequent accidents are worrying. Going out to travel was originally a happy thing, such as flight delay, unexpected danger, stomach upset and so on, which were unexpected during the trip. Therefore, Bian Xiao thinks it is very important to cultivate his insurance awareness, not only in his work and life, but also in his travel, because he can minimize and make up for the losses by purchasing insurance. Let's take a look together.

-Step 1-

Choose insurance according to the destination.

Travel accident insurance can be divided into two categories by region:

Domestic travel insurance and overseas travel insurance

When you travel in China, judge whether your destination is higher than 3500m above sea level. Once it is higher than 3500 meters, it is a plateau tour. In order to reduce the risk of altitude sickness, when choosing products, we should choose products without altitude restrictions.

If you travel overseas, check whether the insurance covers your destination. It is particularly important to note that Schengen countries need to apply for corresponding insurance according to the visa requirements of the corresponding countries ~

Choose insurance according to travel time.

Plan your travel plan before you travel and choose products that can guarantee the corresponding duration. It is recommended to buy insurance at least one day in advance. Travel insurance must be insured one day before departure before the protection can take effect. The insurance period needs to cover your whole trip, so leave yourself more room 1-2 days is also a very good choice ~

In addition, if you can foresee multiple travel plans in 1 year, you can buy insurance products with annual plans.

Choose insurance according to travel characteristics

For example, if you need to participate in high-risk sports, such as mountaineering, rock climbing, diving, skiing, mountain crossing and other extreme outdoor sports, you need to buy insurance products specifically for high-risk sports.

After screening according to your own needs

You can choose insurance products that suit you more pertinently.

It's still troublesome to screen yourself like this.

Second step

How to choose all kinds of unbalanced insurance in travel?

Free Jun: Taking Southeast Asian Islands as an Example

I suggest you pay attention to these aspects:

Be sure to choose reliable travel insurance products that include emergency rescue services to ensure that risks can be quickly minimized under any circumstances.

Insurance should include compensation for accidental medical treatment (fortunately, the medical expenses in Southeast Asia are not so expensive, so it is not necessary to buy insurance with such high medical security in the United States, and it is generally recommended to be around 200,000).

If you want to participate in diving, surfing and other sports, you must buy insurance covering high-risk sports (read the terms to confirm the specific protection items)

Free Jun went to Sabah with ex before, and went out to sea to play. He was hit by a big wave boat and accidentally broke his back, so he needed a rest. However, we bought insurance before, and the process is to report the case first, and then the local doctor and the doctor of the insurance company communicate and evaluate and arrange for us to recuperate. After confirming that he was sick and could sit for a long time, the insurance company started the process of medical return and finally sent us home smoothly. The insurance company bears the cost of final return, subsequent termination, medical compensation and compensation. Emmm, we ... Finally, we broke up. Just forget it． Freedom is bitter in my heart.

Except in an emergency.

Weather is also a factor affecting tourism-=

Although the itinerary is affected by the weather, it is difficult for us to change it.

But we can choose the right insurance products.

Reduce your own losses:

Choose insurance products that include flight delay compensation, and the wasted time can only be made up by money!

Select insurance products that include compensation for trip cancellation/change. If the check-in or trip is delayed, the losses caused can be borne by the insurance company.

In addition, when going to Southeast Asia for vacation, we should also pay attention to diet, and sensitive people should pay attention to food safety. For people who seldom eat seafood on weekdays, suddenly eating more seafood and eating raw seafood may also cause gastrointestinal discomfort.

Therefore, when traveling to Southeast Asia, please take a small amount of medicine with you, or you can take out appropriate insurance products:

Insurance products including medical compensation for acute diseases, don't go to the hospital in case of acute gastroenteritis ~