Insurance Guide: Choose insurance according to the mode of travel when traveling abroad.

When traveling abroad, it cannot be ignored that risks and tourism coexist. Every tourist who intends to go abroad should choose different coverage periods and coverage areas according to his travel mode and plan, and prepare a suitable insurance for himself? Bags? .

Self-help tour: Traffic accident insurance is the first choice.

Self-help backpacking is the favorite of many young white-collar workers. However, there is no legal guarantee for spontaneously organized tourism. Therefore, the first thing to consider when traveling abroad is insurance.

Self-help travel often takes a variety of means of transportation, and it is best to buy traffic accident insurance. Vehicle comprehensive accident insurance covers a wide range, covering not only aviation accidents, but also ships, cars, trains and other aspects, with a long guarantee period and a guarantee amount as high as 6,543,800 yuan, which is more cost-effective.

The short-term products of a domestic company include a four-day guarantee period, and you can get the guarantee of 12 yuan only by paying the premium of 12 yuan. It covers the protection of vehicles in case of accidents, as well as the loss of luggage and personal accidents outside the period of taking vehicles.

Traveling with a group: Travel liability insurance is far from enough.

It is the first choice for many people to travel with the group without worry and effort. Travel agencies usually have travel agency liability insurance. Many tourists have questions. The travel agency has purchased liability insurance. Do tourists still need insurance?

In fact, most tourists are insured by travel agencies? Travel agency liability insurance? There is no clear understanding. It only covers accidents caused by the travel agency during the trip. ?

Therefore, for tourists, in addition to travel agency liability insurance, they also need to insure travel accident insurance. Travel insurance takes tourists as policyholders and beneficiaries, and tourists can purchase them from insurance companies themselves or through travel agencies. The liability of insurance companies and travel agencies does not overlap.

At present, travel accident insurance is usually group purchase insurance, which can be purchased through travel agencies. The premium ranges from tens to hundreds of yuan, and the corresponding amount of protection ranges from tens to hundreds of thousands of yuan.

Insurance experts suggest that the insurance period should be equal to or longer than the travel period in the choice of short-term travel insurance products. In general, the insurance period starts at 0: 00 the day before the trip or a few hours before the trip.

Insurance experts remind that you must buy insurance when traveling abroad, and you should be alert to the following misunderstandings.

Myth 1: Travel agencies only need insurance. Some tourists who travel with a group believe that as long as the travel agency has insured the travel liability insurance, no matter what the problem is, they can find an insurance company. In fact, travel agencies only bear part of the responsibility when they encounter accidents during travel, because travel liability insurance is an insurance that needs to be underwritten by travel agencies, and only pays the economic responsibility that travel agencies have to bear due to negligence or negligence, while accidents that happen to tourists themselves are not covered. Therefore, when traveling abroad, you must buy a travel accident insurance to increase your protection.

Myth 2: You can make full compensation after the accident. ? You may not get full compensation from the insurance company after traveling abroad. ? Insurance experts said that the insurance amount agreed in the personal accident insurance is only the highest insurance premium paid by the insurance company, not the actual amount paid. Except for aviation accidents, other personal accident insurances are paid in proportion. In addition, many travel accident insurances are used for high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping and surfing. Immunity? . Therefore, when tourists choose travel insurance abroad, they should pay attention to whether there are restrictions on reinsurance liability in the travel insurance introduced by insurance companies.

Myth 3: The higher the insurance coverage, the better. Traditionally, the higher the insurance coverage for overseas travel, the better, especially for overseas travel. Considering the consumption level of foreign countries, insurance companies often persuade tourists to take out high insurance coverage. ? In fact, the coverage of overseas travel insurance is not as high as possible. ? Insurance experts say that when traveling to the United States, Singapore, Japan and other countries with high medical expenses, the amount of medical insurance should not be less than 200,000 yuan; Travel to Thailand, Malaysia and other countries, if the trip is short, the insurance coverage of medical insurance is about 654.38+10,000 yuan.

Tips:

★ When spending abroad, many restaurants will tip because of different national conditions. Similarly, when you pay by credit card, it's up to you whether to tip or not, as long as you keep an extra heart.

★ When spending money with a card abroad, there are generally three columns on the credit card purchase list: basic amount, tip and total amount. Usually, the store will print the basic amount on the document, but the tip column and the total amount column will be left blank. You can fill in the payment amount in the "tip" column according to your own wishes, and then add it up and fill it in? Total amount? In the last column, sign the bill. If you don't want to tip, just cross the tip column and fill in the total yourself. As long as the total amount is accurate, unnecessary losses can be avoided.

★ Pay attention to the currency of the purchase order when spending with a card abroad. For example, there is a big difference between the yen 1 yuan and the dollar 1 yuan in small currencies. When filling in the tip, pay attention to the exchange rate difference, so as not to fill in an extra zero and cause yourself trouble in the future. However, even if the shopkeeper fills in the tip column himself, because you have already signed the bill, you can't use this as an excuse not to pay the bill. In order to avoid unnecessary disputes, cardholders should see whether the total amount is listed on the bill. If not, they should also fill in the tip and total amount themselves to avoid further trouble.