Do I have to buy insurance every time I buy a plane ticket?

Counting the days, the Dragon Boat Festival holiday is coming. I believe many people can't help but want to go out for a wave.

Childe understands this kind of mood very well. Since the outbreak of the epidemic, everyone has basically gone out of the second step as soon as they go out, which may be more or less bad.

But just as I was thinking, when I wanted to book a ticket on a travel App(X (X-way, X-net), the routine came.

If you place an order in a hurry without paying attention (just click on the big word "book" above), you will buy this aviation accident insurance by default. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

Ordinary reservations that are not mandatory for tying are small and placed in a small corner.

Remember, don't choose this version with aviation accident insurance.

Be sure.

Aviation accident insurance itself is a very meaningful product. Although the probability of an accident by plane is extremely low, once it happens, there is basically no possibility of survival. So it is not a big problem to buy an aviation accident insurance.

The problem is that the aviation accident insurance bundled on these travel apps is extremely low in cost performance. These apps use information asymmetry to make a difference! Things that cost less than 2 yuan, but these apps dare to sell dozens!

Take aviation accident insurance bundled on X-way App as an example:

Minus 10 vouchers, what can this 30-piece insurance protect?

-The accident happened on the first flight of the insurance policy.

In other words, from boarding to the exit, a guarantee is over.

30 bucks is gone.

But childe want to tell you a fact:

A lot of aviation accident insurance on the market, with the same amount of insurance, can be guaranteed to fly at will for one year if you spend 25 yuan!

In contrast, Ctrip 30 yuan only guarantees one flight, which is simply weak!

Like this:

The insured amount is 5 million, and the flight will be smooth within one year. As long as it is within 25 yuan, it is very suitable for trapeze buyers. But if the frequency of flying is not very high, you can actually consider short-term products.

For example, this one on Alipay:

The 5 million coverage only covers 10 days, 5.8 yuan.

Some people may think that 30 yuan is spent. According to many people's ideas, these travel apps only sell aviation insurance, and they can earn hundreds of millions of yuan in premium income a year, even more than selling train tickets.

And originally, 30 yuan only spent the money saved by 5.8 yuan to buy a cup of milk tea?

If you often fly, you can save a lot of money unconsciously.

So don't buy accident insurance bundled with such platforms!

At this point, the article is far from over.

Because the above is just aviation accidents, but there are many accidents that everyone may encounter when traveling. In fact, I suggest you buy a travel insurance for yourself and your family before you travel.

Spending a few dollars can cover all kinds of accidents in travel, plane delays, lost luggage and all kinds of accidents. Travel insurance is a practical travel option. Isn't it better to insure a flight (train) only once than accident insurance?

Then, let's introduce some basic information about travel insurance.

Travel insurance is the full name of travel accident insurance, which is also a kind of accident insurance.

Therefore, it has all three guarantees of accident insurance: accidental death, accidental disability and accidental medical treatment.

In addition, travel insurance also attaches some special protection for travel, such as flight delay/cancellation, property loss, sudden illness rescue and so on.

Therefore, in the case of existing accident insurance, whether it is necessary to supplement a travel insurance needs to be measured concretely.

Travel insurance is a supplement to accident insurance, aiming at possible accidents during travel.

In the selection process, we should measure our actual purchase demand.

The so-called actual needs are often very specific and trivial.

Childe listed some conceivable situations for your reference;

Normal activities of domestic urban tourism:

Travel normally, without arranging any dangerous projects,

If you already have accident insurance, you don't need to buy another travel insurance.

Of course, if there is no accident insurance, you can also spend a few dollars to buy a travel insurance as a travel guarantee.

Road trip:

When traveling by car, we should consider both personal safety and driving safety.

In case of sudden puncture, flameout or even loss of air, it would be very troublesome.

Therefore, if you go out to road trip, it is best to include the responsibility of self-driving rescue in the additional protection of travel insurance, which can be used to reimburse the money of the trailer if it breaks down during driving.

Traveling with children and pets:

Traveling with children and pets is more suitable for third party liability insurance.

If Xiong Haizi and his pet accidentally cause personal or property losses to others, this guarantee will help you lose money to the injured party.

High-risk sports:

If high-risk sports such as mountaineering, diving and rafting are arranged, these ordinary accident insurances are not covered, then a high-risk sports insurance can be added at this time.

Overseas travel:

Due to the recent serious epidemic abroad, Gongzi thinks it's best not to go abroad. It is much safer to stay at home than abroad now.

But if you must go abroad, pay attention to two points:

First, the amount of accidental medical insurance abroad should be sufficient;

We have medical insurance reimbursement for domestic travel,

But if you want to go abroad to play, especially in Europe and America, the medical expenses are high, so you must pay attention to buying enough accident medical insurance.

Developed countries in Europe and America, at least 300,000 RMB (40,000 USD); For Southeast Asia, Hong Kong, Macao and Taiwan, more than 65,438+10,000 is more appropriate.

Second, foreign rescue services are more important;

People abroad, it is more important to insure medical transportation (ambulance), medical repatriation (returning home after illness) and other services. If there is no insurance already purchased, you can supplement it. This kind of service is often timely help.

You can refer to the following travel insurance recommended by your son:

The history of travel insurance in China.

If it's just a domestic tour and you have already bought accident insurance, there is no need to buy this one.

At present, this is a kind of travel insurance with high cost performance:

Claim phone number: 40099-95507

This kind of travel insurance is very cheap,

Accidental death and disability: 300,000; accidental medical treatment: 30,000; acute disease: 30,000; accidental hospitalization allowance: 300 yuan/day.

Accidental medical treatment is free of compensation, and is not limited to social security drugs.

These responsibilities add up, and 10 only took 12 yuan.

The price is cheap, the guarantee is real, and domestic travel can be considered.

On the Road in China: Allianz Imagines the Self-driving Protection Plan.

Claim phone number: 400-800-2020

As mentioned above, driving should not only protect people, but also pay attention to driving safety.

This Lenovo is a self-driving security plan, and the corresponding responsibilities are very good:

Stall halfway, free trailer within 50 kilometers;

There is a roadside quick repair service halfway;

If it can't be repaired that day, the insurance company will compensate you for finding a place to live;

If you want to continue traveling, there is also a travel allowance;

/kloc-reimbursement of one-way train tickets within 0/000 km, and reimbursement of economy class tickets beyond 0/000 km.

I finally came out to relax, and my heart was so bad. With these intimate guarantees,

I can still clean up my mood and continue to wave!

High-risk activities: outdoor sports in historical areas

Claim phone number: 40099-95507

The explosion of short video shows us more interesting extreme sports.

Such as bungee jumping, skydiving, diving and so on. ......

So when you go out this time, if you play wild and like this high-risk sport, you can choose this outdoor sport in the historical area.

There are three protection plans, which can be selected according to demand:

For example, in plan C.

Falling off a cliff, accidental death from drowning, loss of mountaineering equipment, loss of diving equipment, etc. It's all covered.

Guaranteed for 3 days, premium 50 yuan.

Overseas travel insurance: Shiyou Global Travel Insurance (it is not recommended to go abroad for the time being).

Claim Report: 40099-95507

Emergency rescue: 400-820-703 1

Traveling abroad, we often hear about these three insurance companies:

Allianz, Meiya, Times.

(Because all three families have their own rescue teams)

I usually use this history to travel around the world, which is cheaper and more comprehensive.

There are three plans: silver plan, gold plan and diamond plan.

Security is divided into four parts:

Basic security, medical security, tourism accidents, financial security

It protects everything you think and everything you don't expect.

From kidnapping by kidnappers to visa refusal, it can be said that it covers everything.

The cost is not high. Silver plans a seven-day trip to 70 yuan, which is very good.

But recently, you are not advised to go abroad. You can wait until the epidemic situation stabilizes.

Before you travel, childe also remind you a few words:

First, travel insurance should be purchased in advance;

Purchase the insurance policy one day in advance and the payment will take effect the next day.

Second, no matter what insurance you buy (aviation accident insurance, travel insurance), you should inform your family after buying it;

In case there is no one in a big accident, the insurance company will not take the initiative to claim compensation, and must tell the family.

Third, we should not relax our vigilance under the current situation. We should wear masks and conform to local policies. I hope everything will be fine when I'm not at home.

The asymmetry of insurance information is very serious. Read the following strategies carefully before buying insurance, and you can spend tens of thousands of dollars less.

Insurance purchase strategy: I have collected many years of experience and summarized three insurance essence courses. After listening to their words, I understand the most comprehensive insurance strategy in the history of insurance: avoid 95% of the pits and spend 65438+100000 less! Why do salesmen recommend tens of thousands of insurance, while online insurance is only a few thousand? Are the products of small insurance companies so cheap and reliable? Is it difficult to buy insurance claims online? Cost-effective insurance product evaluation+the most comprehensive insurance purchase strategy: the most comprehensive critical illness insurance strategy+152 critical illness insurance evaluation strategy+1 19 medical insurance evaluation strategy+188 accident insurance evaluation strategy +70. I took off X Anfu's underwear. Today, I took off the underpants of children's X Anfu. Today, I took off the underpants of return insurance and read the insurance policies of tens of thousands of families, only to know why insurance is deceptive. After reading 3000 insurance policies, I found that critical illness insurance is a deceptive routine.