How to buy travel insurance

How to buy travel insurance?

When we confirm that we need to travel, we can choose travel insurance products based on the travel time and region.

1. First, choose based on the time of travel:

Some online travel insurance is for a fixed time and does not support random selection. Some can be selected based on the length of travel. Through the travel time, we can determine whether to buy products for one day, one week, or one month. By filtering by time, we can distinguish different products.

Secondly, distinguish whether it is domestic travel or overseas travel:

1. The choice of domestic travel insurance:

When purchasing domestic travel insurance, pay attention to check Guarantee items. Some travel insurance will cover personal accidents, some will only cover transportation accidents, and some will only cover flight delays or lost luggage, etc. Therefore, when choosing, you need to fully consider your own conditions, travel purpose, consumption level and other factors. Choose the appropriate amount of insurance. For travel, it is best to choose travel insurance that can also cover other protections such as accidental death or disability, accidental medical expense compensation, flight delays or luggage loss.

2. The choice of overseas travel insurance:

Generally speaking, accidental injury, medical expense protection, 24-hour emergency rescue, personal property protection, etc. are rigid needs for overseas travel insurance. When choosing overseas travel insurance, you must pay attention to these items. Although almost all overseas travel insurance also covers these protection contents, there are still differences between different products.

Take the amount of insurance that needs to be purchased as an example. These need to be determined based on the region of travel. For example, in countries with low medical standards such as Thailand and Malaysia, the medical insurance amount is only 100,000 yuan. Although Japan and the United States do not require the purchase of insurance, the medical consumption levels in these two countries are relatively high, so the medical insurance amount is It is best to buy insurance with a medical insurance amount of 350,000 yuan. Schengen countries require insurance with a medical insurance amount of 30,000 euros. Now the euro exchange rate has changed, so it is best to buy an insurance with a medical insurance amount of 350,000 yuan. If you want to engage in high-risk sports such as diving and mountain climbing when traveling overseas, it is recommended to purchase insurance that can protect high-risk sports.

Take Alipay’s travel insurance purchase as an example: Open the Alipay app on your mobile phone, go to Alipay – My – Ant Insurance – Travel – Overseas/Domestic Travel, and view the selected travel insurance item After meeting the details that you require, click I want to insure to enter the travel insurance purchase process.

Brand model: Apple 11&&Huawei P40

System version: iOS 14.2&&EMUI10.1.0

Software version: Alipay 11.11.0&&Alipay 11.9.5