How to choose travel insurance that suits you?

Many people plan to travel during the upcoming National Day Golden Week. It should be reminded that purchasing a suitable travel insurance before traveling will undoubtedly ensure the safety of the journey. Here are a few recommendations: Popular travel insurance for everyone to choose before traveling.

1. Traffic accident insurance

Jun'anxing of CPIC Property & Casualty Insurance: each premium is 100 yuan, and the insurance period is 1 year. Insurance is provided for injuries that occur while traveling in cars, trains, ships and airplanes.

It can provide protection of 500,000 yuan for airplanes, 200,000 yuan for trains (subways, light rails) and ships, and 100,000 yuan for cars. If the insured person often travels on business and takes the above-mentioned means of transportation, it is recommended to purchase this type of insurance when purchasing travel insurance, so that there is no need to purchase aviation insurance every time.

China Life Transportation Andaka (A): 20 yuan per copy, insurance period 10 days. Insurance is provided for injuries caused by taking cars, trains, ships and airplanes. The insurance amount is 400,000 yuan for airplanes, 200,000 yuan for trains (subways, light rails), ships, and 20,000 yuan for cars. Suitable for tourists with short-term needs.

2. Comprehensive travel insurance

Comprehensive travel insurance has a wide coverage, covering accidental death, disability, burn insurance, accidental medical compensation, accidental hospitalization subsidy and other protections. Insurance companies have launched many unique travel insurance products this year.

Ping An Life Insurance "Wanli Tong" Card: This insurance focuses on traffic accident protection. It is divided into three grades, with prices of 200 yuan, 250 yuan, and 300 yuan, and the insurance period is 1 year. Looking at the protection items at the 300-yuan level, they include 2 million yuan for air travel, 150,000 yuan for train, ship, and car accident protection, 50,000 yuan for travel accident protection, and 5,000 yuan for travel hospitalization medical protection, etc.

AIA Baoan Personal Accident Insurance Plan: This insurance focuses on accidental medical protection and has four different insurance plans to choose from. Take Plan B as an example. The insurance period is 1 year and the premium is 333 yuan. The protection provided is: 50,000 yuan in accidental death or disability, 50,000 yuan in double accident benefits, 5,000 yuan/time of medical expenses, 500 yuan/time. Weekly hospitalization allowance.

CPIC Life Comprehensive Accident Insurance Protection Plan: This insurance provides relatively balanced protection in all aspects and is divided into three types: diamond card, platinum card and emerald card. Taking the platinum card as an example, the insurance period is 1 year, the premium is 368 yuan, and the protection provided is as follows: accidental death, disability 250,000 yuan, accidental burns 80,000 yuan, accidental outpatient/emergency care, hospitalization 8,000 yuan, accidental hospitalization subsidy 100 yuan/ sky.

China Life Domestic Travel Insurance: This insurance is suitable for tourists with short-term travel needs. It is a short-term insurance with an insurance period of 15 days, and the insurance premium is 10 yuan each. Provides accidental injury insurance of RMB 130,000, accidental medical insurance of RMB 15,000, and funeral insurance of RMB 5,000.

3. Overseas travel insurance

Considering that the cost of hospitalization abroad is relatively high, the medical coverage of overseas travel insurance is relatively high. The main difference between each insurance type is whether emergency assistance is provided Advance payment of medical expenses also directly affects the level of premiums.

Taikang Life Overseas Travel Insurance: There are four combinations. Taking the PC model with an insurance period of 7 to 9 days as an example, the premium is 150 yuan, which can provide the following protection: accidental death and disability of 300,000 yuan, Overseas medical treatment of 330,000 yuan, rescue services of 150,000 yuan, in addition, there are also guarantees of 30,000 yuan for repatriation, 30,000 yuan for accompanying children to return to the country, and 60,000 yuan for funeral arrangements. This insurance does not provide advance payment services for overseas medical expenses.

China-Germany Allianz Overseas Travel Insurance: There are two plans A and B. Taking plan A with an insurance period of 7 to 9 days as an example, the premium is 205 yuan and provides the following protection: Accidental death of 300,000 yuan and disability protection, 300,000 yuan to arrange medical treatment and bear the medical expenses, 400,000 yuan for repatriation and transfer to hospital for treatment, 100,000 yuan for the repatriation of remains and ashes to the country, etc.

Overseas travel insurance premiums are relatively high. When purchasing insurance, you must carefully calculate the insurance period and calculate the insurance period. For the same insurance, the premium may differ by 30% between 9-day insurance and 10-day insurance.

In addition, if you choose overseas travel insurance that cannot advance medical expenses, you should consult the insurance company in advance about the precautions and procedures for claim settlement after the accident, so that you can smoothly settle claims in the future.