Frequently asked questions when purchasing travel insurance; A

In a blink of an eye, it is the student party's favorite summer vacation. At this time of year, all kinds of graduation tours, family tours and special tours appear in droves. In summer vacation, most tourists are students and underage children, and they need their parents to accompany them. This kind of travelers have weak ability to cope with risks, so they need to pay attention to travel risks and buy appropriate travel insurance to provide personal protection for their own travel. Therefore, in such a tourist season, I have summarized the following common questions and answers about purchasing travel insurance, so that travel partners can learn to choose the travel insurance that suits them best! What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

Q: What types of insurance does travel insurance cover?

A: 1. According to the travel mode, travel insurance can be divided into self-help travel insurance, group travel insurance and comprehensive travel accident insurance. The insurance liability of comprehensive travel insurance can cover self-help tour and group tour.

2. According to different tourist destinations, it can be divided into: domestic travel insurance and overseas travel insurance.

3. According to the different insurance period, you can insure the travel insurance for corresponding days according to the number of travel days.

4. Accident insurance such as ordinary personal accident insurance and vehicle accident insurance can also protect the related accident risks during travel.

Q: What protection can travel insurance provide?

A: 1. Personal accidental injury protection: if the insured dies or is permanently disabled due to accidental injury, the insurance company will give the beneficiary a sum of insurance money agreed in the insurance contract. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

2. Medical expenses guarantee: the insurance company pays the medical expenses incurred by the insured due to accidental injuries during the journey.

3. Personal property protection: to protect the insured from economic losses caused by accidental damage or theft of property during the journey.

4. Personal legal liability protection: to protect the insured from being claimed for personal injury or property loss caused by negligence during the journey.

(Reminder: The policy terms of different insurance companies may be different, so the coverage of travel insurance may also be different. )

Q: What are the insurance methods when buying travel insurance?

A: 1. Consumers can buy travel insurance from professional insurance companies and fill in the application form. The insurance company will issue an insurance certificate after receiving the insurance premium, and the insurance will take effect.

2. Travel insurance can be purchased through the insurance company official website. Consumers complete the insurance information and pay online, and the insurance company will issue an electronic insurance certificate and send it to the customer by email or SMS, and the insurance will take effect.

You can contact a qualified personal agent to buy travel insurance.

4. Travel insurance can also be purchased through a qualified agency: many insurance companies install system terminals in the agency, and after the customer provides insurance information and delivers the insurance premium to the agency, the agency prints the insurance voucher to the consumer through the insurance company system, and the insurance takes effect.

Q: What are the common misunderstandings in purchasing travel insurance?

A: Myth 1: General personal accident insurance covers all accidents, but in fact, general personal accident insurance does not cover high-risk activities, such as bungee jumping, rock climbing, mountaineering and skiing. If you have an accident while participating in such high-risk activities, you may not get compensation. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

Myth 2: I think the travel insurance sent by the travel agency already includes accident insurance, but the fact is that the travel agency bought compulsory travel agency liability insurance, which covers the legal compensation liability that the travel agency should bear due to negligence and negligence in organizing travel activities. The insured of this insurance is a travel agency. After insurance, in the event of a liability accident, the insurance company will compensate the injured passengers at the first time. When the accident has nothing to do with the travel agency, tourists can't get the protection and compensation of the travel agency liability insurance.

Myth 3: Many people who choose to go to road trip think that with ordinary vehicle insurance, they don't need other insurance. But in fact, the insurance on the car is generally third-party liability insurance and vehicle loss insurance, which has no safety guarantee for the people on the car. Therefore, before going out, we should combine the insurance demand and the unexpected risks that may occur during the trip, and have an extra layer of protection and peace of mind. ?

Q: How should I choose a suitable travel insurance?

A: When purchasing appropriate travel insurance, we should pay attention to the following issues:

1. Pay attention to the insurance period;

2. Read the coverage of insurance carefully, and see clearly the coverage of insurance contracts, especially the exemption clauses.

3. Pay attention to the insurance amount;

4. It is recommended to choose a higher insurance amount. Some people are used to buying accident insurance of 65438+100000 yuan and accident medical insurance of 65438+100000 yuan, but in fact, such insurance coverage does not play much role. Because people want to get compensation beyond their ability to pay by buying insurance, if the insurance amount is too low, they can't get real protection in the event of a major accident. Therefore, it is suggested that when purchasing travel insurance, the amount of accidental injury insurance should be above 500,000 yuan, and the amount of accidental medical insurance should be above 50,000 yuan.

5. Pay attention to check the insurance policy after purchase to see if the insurance information is perfect. Generally, invoices, insurance policies, insurance policies and insurance clauses should be provided.

Solved q &；; Have you solved the problem of how to face the risk of travel accidents? A suitable travel insurance can easily solve this problem for you.

If there is a domestic travel accident insurance that covers accidental death, disability and medical expenses caused by accidents, and can enjoy multiple guarantees during domestic travel, then don't hesitate to choose to miss it! China Merchants Cigna Travel Accident Insurance is such a product that can guarantee customers' peace of mind all the time. It's not that the accidental injury of travel comes too fast, but that you decide too slowly when choosing travel insurance, and the holiday time is always squeezed. Come and make a protection plan for your trip ~