Is it necessary to buy accident insurance when traveling? How to buy accident insurance?

Nowadays, many people choose to travel, but accidents happen from time to time during the trip. In order to better cope with these accidents, many people choose to purchase travel accident insurance. Then let’s take a look at the necessity of purchasing travel accident insurance and how to purchase accident insurance.

Is it necessary to buy accident insurance when traveling?

It is not necessary, but it is recommended for the following reasons:

During travel, we may encounter various unexpected situations , such as sudden illness, traffic accident, loss of valuables, etc. These accidents will not only cause trouble for our travels, but may also have a significant impact on our financial situation.

Travel accident insurance can provide us with protection for medical expenses, emergency rescue, property losses, etc., help us cope with emergencies, and reduce our financial burden. Therefore, purchasing travel accident insurance can provide us with more security and protection during our travels.

How to buy travel accident insurance

Travel accident insurance means that the insured is disabled or dies due to an accident during travel or business trip during the insurance period, or It is a type of insurance for which other protection items are specified within the scope of protection and the insurer needs to bear the insurance liability. The accidents stipulated in the insurance must meet the following conditions:

1. It is an accident that cannot be predicted by the insured and is unintentional;

2. It is an external accident Caused by causes other than the insured's own fault;

3. Sudden occurrence, that is, there is a direct connection between the cause of the accident and the result of the injury, and the injury is caused in an instant , the insured cannot prevent it.

There are several ways to purchase travel accident insurance:

1. The policyholder directly goes to the offline business outlets, official website and mobile software of the insurance company that has travel accident insurance products to purchase insurance. ;

2. The policy holder can also go to the branch of a qualified brokerage company or the official online channel to consult and purchase travel accident insurance;

3. The policy holder can also go to the insurance company The company cooperates with third-party platforms that sell travel accident insurance products;

4. Policyholders can seek help from insurance company account managers to purchase travel accident insurance products.