Is travel insurance useful?

Traveling is not only good for your health, but also increases your knowledge. However, there are ever-changing things during travel. Don’t be afraid of ten thousand, just be afraid of the unexpected. Having insurance is equivalent to wearing a safety belt. I'm going to Yunnan Tourism Network to remind you that you should pay attention to the following points when purchasing travel insurance: 1. If tourists have accidents during their trip, the travel agency will only bear part of the responsibility, because travel liability insurance is an insurance that travel agencies must underwrite. It only provides The travel agency will bear the financial liability due to negligence or fault, but accidents caused by the tourists themselves are not covered. Therefore, when traveling, you must buy travel accident insurance for yourself and your family. 2. General domestic travel insurance is short-term accident insurance, which protects accidental injuries during travel. There are also insurances for specific activities, such as horse riding, skiing, rock climbing and other high-risk entertainment projects. If you already have life accident insurance, the limit is high enough, and you don’t participate in high-risk entertainment projects, you don’t need to buy travel insurance. 3. Most air tickets, bus tickets and tickets to scenic spots contain insurance, and these tickets also have the meaning of insurance certificates. In the event of an accident, they are the basis for claiming insurance compensation and paying insurance benefits, and should be kept properly. 4. Nowadays, insurance companies such as Ping An, Allianz, and Taikang have developed online insurance functions. There are also many third-party insurance websites, such as Youbao.com and Taobao, which also collect products from various insurance companies for comparison and insurance purchase. 5. If you are traveling domestically, we recommend "Ping An Short-term Travel Insurance Type A". You can choose the insurance period according to the number of days of travel, and the minimum is 3 yuan. It is enough for general tourist trips. There is also a more basic one: "One-day trip to Ping An", including accidental injury and accidental medical liability, 1 yuan/person. The insurance period of travel insurance should match the travel time. If the travel itinerary changes, tourists should adjust the protection period of the selected insurance. 6. The insurance amount agreed in personal accident insurance is only the maximum insurance limit that the insurance company will pay, not the actual payment amount. Except for the maximum compensation amount for aviation accidents, other personal accident insurances will pay proportionately.

Therefore, you should pay attention to whether the travel insurance launched by the insurance company has any restrictions on the compensation of sub-liability.

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Further reading: How to buy insurance, which one is better, I will teach you step by step Avoid these "pitfalls" of insurance