How to buy travel insurance and which items are exempt from insurance companies?

The May Day holiday is approaching, and many people have short-term travel plans, so travel insurance has attracted much attention. Insurance industry insiders told reporters that travel agencies generally sign group insurance with tourists, mainly accident insurance, including medical insurance due to accidents. The level of premiums directly corresponds to the amount of insurance and the length of protection time.

Travel insurance

Huang Guangrong, general manager of Fanhua Insurance Brand Department, told reporters that currently most insurance companies and large insurance intermediaries sell accident insurance and travel insurance on their websites. Consumers can check and purchase online. If it is a group purchase, they should go to the insurance company's website to check the authenticity of the policy. It is particularly important to remind that after purchasing insurance on the website, the insurance company will usually send the electronic policy to the mailbox within 24 hours. Travelers are best to print it out, and it is best to carry one copy with them when traveling abroad.

Metropolitan Life Chief Planner Xu Wenhong said that travel agencies provide special accident insurance of 5 to 20 yuan for public transportation such as airplanes or cars, as well as accident insurance and medical protection. , the insured amount is around RMB 300,000.

Before traveling abroad, you must pay attention to whether the insurance terms you purchased include a 24-hour global emergency rescue project, and remember clearly the insurance company’s rescue phone number. During travel, if consumers participate in high-risk projects such as mountain adventures, diving, rock climbing, skiing, paragliding, and skydiving, most life insurance companies include these projects as deductibles in their travel accident insurance.