What insurance is best to buy when traveling?

Travel assistance insurance

Travel assistance insurance has been deeply rooted in people's hearts abroad. In Japan, people will not travel without the protection of such an assistance plan. In my country, after Taikang Life Insurance Company and China International Travel Service Travel Assistance Center collaborated to launch travel assistance insurance with additional assistance services, China Life and China Pacific Insurance Company also joined forces with the International (SOS) Assistance Center to launch travel assistance insurance. This insurance expands the original travel personal accident insurance services and extends the general post-event claims settlement of traditional insurance companies into timely and effective assistance when an accident occurs. At present, there are more and more opportunities for Chinese people to go abroad for business inspections or tourism. When you face language barriers in an unfamiliar environment, have an accident, or are not familiar with local regulations and cause legal disputes, if you have this kind of travel assistance Insurance guarantees that as long as you make a call, you will receive free assistance.

Passenger accident insurance

Traveling by car or boat is indispensable. The premiums for passenger accident insurance for cars and boats are included in the fare. When purchasing When purchasing train or boat tickets, you have actually purchased this insurance. The premium is calculated based on 5% of the ticket price. The insurance amount for each insurance is RMB 20,000, including RMB 10,000 for accidental medical benefits. The insurance period starts from the time when you check in and enter the station or get on the boat midway, and end when you check in and leave the station or get off the boat midway. During the validity period of the insurance, if a passenger dies, becomes disabled, or loses physical functions due to an accident, the insurance company, in addition to paying medical expenses as required, will also pay full, half, or part of the insured amount to the injured or the family members of the deceased. However, if death or disability is caused by the passenger's own reasons, such as suicide, illness, etc., the insurance company will not be exempted from liability. Passengers need to be reminded that if you are in danger when traveling by car or boat, you must pay attention to your rights because you have already purchased insurance when purchasing your ticket.

Travel Personal Accident Insurance

Travel to scenic spots and witness thrilling and exciting tourism projects. When you want to experience those passions but are still worried, you can choose Voluntary travel personal accident insurance. Insurance companies now offer this type of insurance with a premium of 1 yuan per policy and an insurance amount of 10,000 yuan. A maximum of 10 policies can be purchased at one time. The insurance period starts from the time when you purchase the insurance and enters the tourist attraction or scenic area, and ends when you leave the tourist attraction or scenic area. It is best to take insurance when participating in adventure tours, eco tours, and thrill tours.

Personal Insurance for Accommodation Passengers

Today, as insurance becomes increasingly developed, insurance companies in my country have developed a new type of personal insurance for accommodation guests. The premium for each insurance policy is 1 yuan, starting from 0:00 on the date of stay. The insurance period is 15 days and can be renewed upon expiration. Multiple insurance policies can be purchased at one time. Each insurance liability is divided into three aspects: the first is 5,000 yuan for accommodation passengers, the second is 10,000 yuan for accommodation passengers who have bravely paid for insurance, and the third is 200 yuan for compensation for the loss of passengers’ belongings due to accidental damage or theft. During the insurance period, if a passenger is killed, disabled or loses physical function due to an accident, external attack, murder, or to protect himself or others’ life and property, or if his or her belongings are lost due to theft or robbery, the insurance company will Insurance premiums are paid according to different standards. This risk is also voluntary.