What insurance can I buy for domestic travel?

What kinds of short-term travel insurance are there in China?

Domestic short-term travel insurance can be divided into domestic travel rescue medical insurance and domestic travel rescue group medical insurance. Domestic travel rescue medical insurance means that the insured suffers sudden and unexpected injuries while traveling in China and is treated in the hospital, so the medical expenses incurred are borne by Taikang travel medical insurance.

In addition, domestic travel rescue group medical insurance mainly provides quality services for the insured: if the 24-hour Chinese hotline is on standby at any time, the insured will arrange medical treatment in case of an accident; The insurance company shall bear the cost of transferring the insured to hospital for treatment due to illness; When the insured's physical condition is stable, professional rescue agencies will carry out rescue.

Matters needing attention in purchasing short-term insurance for domestic tourism

Travel contracts generally involve two kinds of insurance, one is travel agency liability insurance and the other is personal accident insurance. Among them, travel agency liability insurance is compulsory insurance for travel agencies by the state. The insured, the insured and the beneficiary of this insurance are all travel agencies rather than passengers. It should be noted that after the promulgation and implementation of the new Travel Agency Regulations, tourists' personal accident insurance has become a kind of insurance purchased by tourists voluntarily. The total insurance amount is divided into three parts: accident insurance amount, medical insurance amount and funeral insurance amount. The insurance period of domestic short-term travel insurance is relatively short. In the choice of short-term travel insurance products, the insurance period should be equal to or longer than the travel period, leaving room for time to prevent the departure date and return date from changing, and the itinerary is also within the insurance period.

Experts pointed out that compared with domestic travel and foreign travel insurance, their travel days are different, their coverage is different and their prices are different. Therefore, tourists should pay attention to the exemption clause, deductible and coverage before signing a contract with a travel agency. There are also many people who think that travel agency liability insurance is personal accident insurance. In fact, travel agency liability insurance refers to the behavior that the insurance company should bear the insurance liability for compensation for the economic losses caused by the fault or fault of the travel agency when the travel agency is engaged in tourism business activities. When the accident has nothing to do with the travel agency, tourists can't get any protection from this kind of travel agency liability insurance. Therefore, when signing a travel contract with a travel agency, it is necessary to confirm what insurance the travel agency has insured. If only travel agency liability insurance is insured, you can take the initiative to ask for other types of insurance as needed.

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