What kind of insurance should I buy when traveling abroad, and what problems should I pay attention to when buying?

(1) What insurance should I buy when traveling abroad? The following is the specific content:

1. Passenger accident insurance:

Traveling by car and boat is essential. The insurance premium for passenger accident insurance has been included in the fare. When passengers buy tickets, the insurance premium is calculated at 5% of the fare. The insured amount of each insurance is RMB 20,000, of which the accident medical fund is RMB 65,438+0,000. During the validity period of the insurance, if a passenger dies, is disabled or loses physical function due to an accident, the insurance company shall pay all or half of the compensation to the injured or the family members of the deceased.

2. Travel to personal accident insurance:

Go to the scenic spot and witness the thrilling tourism projects. When you want to experience those passions, but you feel palpitation, you can choose to take personal accident insurance voluntarily. At present, an insurance company can invest at most 10 copies of this insurance at a time.

3. Personal insurance for accommodation passengers:

Today, with the development of insurance, China's insurance companies already have personal insurance for lodging passengers. The premium of this type of insurance is 1 yuan each time, and the insurance period is 15 days from the date of accommodation. Each insurance liability is divided into three aspects: 1. The insurance premium for accommodation passengers is 5000 yuan, 2. The insurance premium for lodging passengers is 65,438+0,000 yuan, 3. Compensation for passengers' property losses to 200 yuan. During the insurance period, if the passenger dies due to accidents, foreign attacks, murders, or to protect his own life or property, or if his belongings are stolen or robbed, the insurance company will pay insurance benefits according to different standards.

(2) When purchasing travel insurance, you should ask the following questions:

1. Know the age limit of the travel insurance you choose, and choose products suitable for your age. Remember not to lie about your age to avoid disputes and losses in the future;

2. Clearly understand the scope of liability: clearly understand the exemption items and deductibles of the selected insurance; Travel insurance mainly emphasizes accidental injuries.

3. Remember the special service: If the insured has an accident during travel or business trip, he can call the rescue number and get emergency assistance from the insurance company.