Interpretation of domestic travel insurance terms

Domestic travel insurance means that if the insured suffers an accident or sudden acute illness while traveling within the country during the insurance period, and suffers accidental death, disability, or illness due to the accident or sudden acute illness, If reasonable and necessary medical expenses are incurred, the insurance company will bear the liability for insurance compensation and pay insurance compensation in accordance with the domestic travel insurance terms stipulated in the insurance contract. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

Interpretation of domestic travel insurance terms

Domestic travel insurance terms mainly include:

1. Medical compensation: due to infection during travel Medical expenses incurred due to illness or accident.

2. Personal accident: If the insured suffers from loss of limbs, blindness in one or both eyes, or even death due to a serious accident, the insured can be compensated according to the compensation amount in the policy.

3. Emergency medical evacuation: If the insured suffers from an accident or is seriously ill, relevant parties will provide emergency medical evacuation.

4. Return costs: If the insured person dies unfortunately, the insurance company will provide for the return of the body to the place of origin.

5. Loss of luggage: If the insured’s personal luggage is stolen, accidentally lost or damaged during the trip, a certain amount of compensation will be paid.

6. Trip cancellation: If the insured person is unable to make the trip due to serious illness or accident between the effective date of the policy and the departure date, the insurance company will be responsible for all losses such as travel deposits and air tickets.

7. Journey delay: If the vehicle is delayed due to bad weather, mechanical failure, industrial action or robbery, the insured can receive compensation based on time.

8. Shorten the trip: If the insured or his family members need to end the trip early due to an accident, serious illness or death, the insured can claim for the expenses that have been paid or cannot be enjoyed.

9. Loss of personal money and documents: The scope includes monetary losses (cash, local currency, traveler’s checks) and losses caused by lost passports

10. Personal liability: If If the policyholder is legally responsible for personal negligence that causes physical damage or property loss to others, the insurance company can compensate for the loss.

Understand the terms and precautions of domestic travel insurance

After understanding the terms of domestic travel insurance, you should also pay attention to the following:

1. Pay attention to read the insurance period, such as 7 days or 10 days.

2. It is very important to pay attention to the coverage of the insurance, what is covered and what is not covered, especially the exemption clause.

3． Pay attention to the insurance amount. Some people think that travel insurance is the same. In fact, sometimes the price is the same but the insurance amount is different.

4. The insurance amount must be sufficient. Some people are used to buying the usual 100,000 yuan accident and 5,000 yuan medical insurance. In fact, it does not provide much protection, because people buy insurance hoping to get compensation beyond their ability to pay. , if the insurance amount is low, it will not be able to provide real protection if a serious accident occurs. Therefore, it is recommended to purchase travel insurance products with an accident amount of more than 200,000 and accidental medical treatment of more than 20,000, so that you can truly of peace of mind.

5． Pay attention to purchasing travel insurance that is convenient and quick. You need to prepare a lot of things when traveling. If you spend too much time buying insurance, it will waste a lot of time and money, make people tired, and is not cost-effective.

The above is a detailed introduction to the "domestic travel insurance terms". After purchasing, you must check and verify whether the elements of the policy are complete and correct, and whether the insurance information is complete. Generally, when purchasing insurance, you should have invoices, insurance policies, Insurance policy and insurance terms, etc.

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