What insurance should I buy for traveling?

In fact, ordinary accident insurance can also pay for accidents caused by personal travel, but this kind of accident insurance has three congenital deficiencies:

First, there is no focus on the unique responsibilities in travel, such as travel delay, loss of documents, 24-hour emergency rescue (including medical transportation), and third-party injuries caused by personal responsibilities.

Second, it does not cover high-risk tourism activities, such as horseback riding, skiing and diving.

Third, the scope of protection is limited, such as overseas, which often distinguishes Europe, Southeast Asia and other places.

According to the actual situation of tourism, this paper discusses what kind of insurance should be chosen. If it is a group tour, the company will come forward to buy it, so special insurance is needed. )

First, ordinary domestic travel

There is no risky behavior, just visiting scenic spots and the like. Ordinary comprehensive accident insurance is enough, and there is no need to buy additional travel insurance. If there is no accident insurance in advance, or the insurance amount is not too high, you can buy one separately, which is usually sold by the day.

Recommend a one-day tour of Taiping Property Insurance, which can be purchased by individuals; You can also buy a group, which is especially suitable for schools to organize activities and temporarily buy an insurance for students; Or enterprises organize tourism activities and temporarily buy an insurance for employees;

The amount of guarantee can be flexibly adjusted, with one 2 yuan and the insured amount of 65,438+10,000. You can choose up to 5 copies, and the insured amount can reach 500 thousand.

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The defect lies in the lack of protection for high-risk sports: it refers to sports with higher risk level and more prone to personal injury than general regular sports. Before carrying out this kind of sports, you need to be fully prepared psychologically and for action, and you need to have relevant knowledge and skills that ordinary people don't have, or to master them after receiving training provided by professionals. The insured must have relevant protective measures or facilities to avoid or mitigate losses, including but not limited to diving, water skiing, skiing, skating, driving or riding hang gliding, paragliding, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, judo, karate, taekwondo, equestrian, boxing, stunts, go-karting, horse racing, racing and so on.

Second, domestic tourism has certain risks.

I will take part in some popular outdoor sports, such as skiing, diving (snorkeling), horseback riding, hot air balloon and so on. , are within the scope of protection, excluding hang gliding, skydiving, outdoor rock climbing and other high-risk sports, or sports with prize competitions.

Recommend AXA Tian Ping excellent travelers, and only support personal purchase.

If it is a classic version, the death/disability insurance coverage is 6,543.8+10,000, the accidental medical insurance coverage is 20,000, the 24-hour emergency rescue coverage is 60,000, the personal responsibility for travel is 80,000, and the single-day premium is 5 yuan.

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Third, high-risk domestic travel.

For example, skydiving or outdoor rock climbing, it is recommended to contact the organizer to find special insurance.

Fourth, overseas travel.

As long as customers travel overseas, including Hong Kong, Macao and Taiwan, we generally recommend choosing AIA International Travel Service's overseas travel guarantee plan, with the following guarantees.

This kind of insurance is divided into Schengen version and global version, and each version is further divided according to the insured amount, so you can choose according to your own situation.

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There is nothing to say about traveling around the world. It is basically a representative type of overseas travel insurance.