How much should I buy for travel accident insurance?

Qi, who just finished the college entrance examination recently, called for advice and wanted to buy a travel accident insurance. Qi is going to organize a summer vacation trip to Xinjiang with his classmates. Due to the long distance and remote geographical location, the family suggested that Qi buy an insurance before going out. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

However, how to buy travel accident insurance and how much insurance coverage to buy have become a puzzling problem for many citizens. Relevant experts suggest that the insurance amount of travel accident insurance should be determined according to the risk of the destination and adhere to the principle of "high risk and high insurance coverage".

"Check in the right place" to insure travel accident insurance

At present, there are many kinds of insurance products on the market for people traveling abroad, including aviation accident insurance, vehicle accident insurance and comprehensive travel accident insurance. Among them, comprehensive travel accident insurance is subdivided into overseas travel and domestic travel. Aviation accident insurance and vehicle accident insurance are suitable for people who travel frequently. If they travel abroad, there is no guarantee that they will have an accident at a tourist attraction. Therefore, people who choose to travel for a long vacation had better increase their protection through comprehensive accident insurance.

The insured amount of comprehensive travel accident insurance is generally selected by the insured, that is, a centralized rate plan is provided for the insured's reference. In addition, the longer the travel time, the higher the rate. However, the general travel accident insurance can't cover everything, and many high-risk sports are still free of compensation, such as rock climbing or adventure activities, wrestling, judo competitions or stunts. At present, popular sports such as skiing, diving, skydiving and horseback riding are all included in Meiya's domestic tourism guarantee plan, and Meiya can underwrite such sports.

High risk should increase the amount of travel accident insurance.

"Choosing the amount of insurance should measure the risk of the destination. It is very important to insure travel accident insurance in full. Visitors should not neglect protection in order to save premiums. If you go to Tibet, Xinjiang and other places, you'd better choose the one with the highest insurance coverage, and if you go to a more mature tourism market, the insurance coverage can be moderately reduced, "AIA experts said.

In the mature domestic tourism market, the insured amount of accidental death and disability is generally 200,000 ~ 300,000. It is better to control the ratio of the insured amount of accidental medical treatment to the insured amount of accidental death or disability at 5: 1 or 10: 1, but the probability of accidental medical expenses exceeding 200,000 ~ 300,000 is small. If you choose the insurance coverage of 200,000 ~ 300,000 for accidental death or disability,

In addition, the coverage of medical insurance should be appropriately adjusted according to the level of national medical expenses. For example, if you travel to the United States, Singapore, Japan and other countries with high medical expenses, the insured amount of medical insurance should not be less than 200,000 yuan, while if you travel to Thailand, Malaysia and other countries, the insured amount of medical insurance can be around 6,543,800 yuan. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: the latest in 2020! Top ten insurance companies' hot medical insurance list

Experts suggest buying proportional travel accident insurance.

Suggested coverage (proportion) of insurance types in countries and regions

The insurance coverage for accidental death and disability in China is 200,000 ~ 300,000.

The accidental medical insurance coverage is 20,000 ~ 30,000.

The ratio of accidental medical treatment to accidental death or disability is 5: 1 or 10: 1.

The medical insurance coverage of the United States, Singapore and Japan is not less than 200,000.

The medical insurance coverage in Thailand and Malaysia is about 654.38 million yuan.