How to buy travel insurance in tourist season?

Summer vacation is coming, and traveling abroad has become the first choice for the majority of students. However, in the hot summer and tourist season, it is necessary to prepare an appropriate travel insurance in advance for traveling abroad. Then, in the face of various insurance products, how to choose the right travel insurance? Let me explain it to you in detail.

Buy insurance before traveling abroad.

With the arrival of summer vacation, the tourism market once again ushered in the peak season. Thanks to the enhancement of citizens' awareness of security, buying travel-related insurance before travel has become the active choice of many people. "Today, a customer just signed insurance and invested in outbound travel, with an insured amount of 1 10,000." On July 18, Zheng, manager of the tourism business department of Qingdao Branch of Insurance Brokerage Co., Ltd., told the media. Regarding the quality of domestic insurance brokerage companies, I just sorted out the relevant contents, hoping to help you: the list of the top ten insurance brokerage companies in China.

Just a few days ago, the Tourism Quality Supervision and Management Office of the National Tourism Administration announced that the parent-child travel market, which is dominated by students, is heating up rapidly in the summer. Due to the seasonal characteristics, summer vacation is also a high-incidence period of various sudden geological disasters such as floods, landslides and mudslides, and there are relatively many potential safety hazards. Travel abroad may encounter personal injury, property loss, illness, loss of documents, etc. Tourists can reduce the losses caused by unexpected risks through insurance.

All kinds of insurance products sell well online.

On July 18, media people searched for travel insurance through Taobao. The results show that there are more than 100 kinds of travel insurance products currently on sale, which are welcomed by many tourists. The domestic personal short-term holiday travel accident insurance launched by Ping An Insurance can provide protection for travel accidents, medical treatment for travel accidents, and hospitalization allowance for travel. , has sold a total of 654.38+300,000 copies. Not only this one, but also all major insurance companies have introduced travel accident insurance with various types and low premiums. Generally, the starting price is not higher than 10 yuan. How about ping an insurance? I just sorted out the relevant contents, hoping to help you: how about Ping An Insurance? Top Ten Ping An Insurance Products Ranking List!

Compared with domestic travel, the premium of outbound travel is slightly higher, which varies according to different tourist destinations. Allianz Property Insurance has launched products for Asian countries, starting from 25 yuan. Not only that, most of the Schengen travel insurance on sale includes the responsibility of refusing visas. Travel websites have also begun to cooperate with insurance companies, such as Ctrip. Com launched "no reason to surrender" travel insurance products. Tourists who cancel their reservations for some reason can get compensation ranging from 80% to 100% of the actual loss, with the maximum amount of 10000 yuan. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Last year, more than 800,000 group tourists were insured.

The media learned in the interview that at present, most tourists who travel with groups purchase accident insurance through travel agencies with travel insurance agency qualifications, while free travellers purchase accident insurance through the Internet or contact salesmen.

"Domestic travel accident insurance is provided by us free of charge," Liu Weiqiang of China International Travel Service (Qingdao) International Travel Service Co., Ltd. told the media. Due to the low premium, free gifts have become the choice of more and more travel agencies. Zhang Wen, deputy general manager of China Travel Agency (Qingdao) Company, said that overseas travel insurance with relatively high premium is generally not given away, but it will be indicated in the contract and communicated with tourists in detail. The business of Qingdao Branch of Jiang Tai Insurance Brokerage Co., Ltd. basically covers all travel agencies in Qingdao. "Last year, the insurance premium for group tours has reached more than 3 million, involving at least 800,000 tourists." Zheng said to him. Zhang Wen also revealed that the company currently maintains close relations with insurance companies and insurance brokerage companies, which is behind the increase in customer demand.

Travel insurance is mostly "privately ordered"

A wide variety of travel insurance products make people shine, but the accident protection functions provided by these insurance products are similar, generally covering travel accidents, accidental medical treatment, travel hospitalization allowance, public transportation accidents, hotel accommodation accidents and so on. Some also joined the emergency rescue guarantee, the loss of luggage and travel documents during travel, and the loss of family property.

In the interview, media people found that due to the great uncertainty of tourism activities, travel insurance is mostly privately ordered. For example, an insurance company has launched gold plan, diamond plan and supreme plan with different coverage contents and amounts, and set different premiums according to different coverage days, ranging from 3 yuan to 60 yuan.

"If you apply for insurance through the Internet, the insured can order products and pay according to their own needs after entering the ID number, and an electronic policy will be issued, and the insurance will take effect." Zheng said to him.

Choosing travel insurance depends on the "old three"

How to choose a variety of tourism products. "Tourists start from three angles: the scope of protection, the amount of insurance and the exemption clause." Ms. Li of Taiping Life suggested.

Although the coverage of travel accident insurance products is generally similar, there will be some differences in specific protection interests. For example, overseas self-help tours face more accidents than group tours, and regular city attractions have more unexpected risks than high-risk projects such as mountaineering and rock climbing ... This requires consumers to make targeted choices.

At the same time, although travel accident insurance is not expensive, it is still necessary to shop around. Different from other types of insurance, the premium and compensation clauses of travel accident insurance are relatively simple and not difficult to compare. "The exemption clause is also very important." Ms. Li said that many citizens will be attracted by some high compensation publicity when purchasing travel accident insurance, but it is often difficult to get the highest compensation after the accident, which requires consumers to read the exemption content carefully.

Unlike domestic travel insurance, outbound travel insurance is more particular. "Different countries have different visa requirements for foreign tourists, some have clear requirements for insurance types, some have clear requirements for the amount of protection, and some have clear requirements for insurance companies." Zheng said to him. Zhang Wen told the media that in some EU countries, handling travel accident insurance has become a prerequisite for issuing applications.

"At the same time, we have not covered some countries and regions," Ms. Li introduced. At present, many domestic travel insurances exclude Afghanistan, Myanmar, Vietnam, Iraq and other countries.

Finally, there are some things to pay attention to when taking risks abroad. Tourists should keep their travel itinerary, boarding pass, passport, identification, medical records and possible vouchers. "The most important thing to remind is that there are no paper cases in some countries such as Japan, South Korea, Europe and the United States, and doctors need to be asked to help print out the paper version in time so that claims can be settled smoothly after returning to China." Zheng said to him.

The travel agency has insurance, so you don't have to buy it yourself.

For travelers seeking peace of mind and leisure, traveling with a group is the first choice. "I found that the travel contract itself has insurance. Do I still need insurance? " In the interview, Ms. Wang, who is going to travel to Sichuan, questioned.

"Insurance in travel agency contracts generally refers to travel agency liability insurance." Zheng explained that he is obviously different from accident insurance. Travel agency liability insurance covers insurance accidents caused by the travel agency's responsibility, and does not assume the liability for compensation for accidents and medical expenses caused by tourists' personal reasons.

"Travel agency liability insurance is a mandatory requirement for travel agencies, just like compulsory insurance." Liu Weiqiang explained in a popular way.

Many travel agencies provide accident insurance for the convenience of tourists. Zheng reminded tourists that before signing the contract, they should carefully check the quotation of the travel agency, whether it includes personal travel accident insurance besides the liability insurance of the travel agency. At the same time, they should know the specific coverage and compensation amount. If they think that the protection is insufficient or the amount of accidental compensation is too low, they can also buy insurance separately.

Bao Ge Tip: To sum up, at present, tourists will buy insurance before traveling abroad, and various online insurance products are favored by consumers. In any case, when purchasing travel insurance, consumers should read the relevant contents clearly from the perspectives of coverage, coverage and exemption clauses to ensure their own interests. In addition, you can't stop buying just because the travel agency has insurance.