Do you need insurance for domestic travel? What are the domestic travel insurances?

Many people are not sure whether to buy insurance when traveling. There are too many uncertainties abroad to buy insurance. So what is the need to buy insurance for safe travel in China? Actually, this is really necessary. Let's see what kind of insurance you want to buy first.

Do I need to buy insurance for domestic travel? Some people say that I already have accident insurance, and accidental medical treatment is also applicable throughout the country. So do you still need to buy travel insurance for domestic travel?

Need!

Reason:

1, the most valuable part of travel insurance is emergency rescue, and there is no general accident insurance;

2. Accidental medical treatment in general accident insurance is limited to medical insurance drugs, but accidental medical treatment in travel insurance can generally cover self-funded drugs, and some plans will also include the responsibility of disease medical treatment.

3. For some high-risk sports, including but not limited to diving, rock climbing and skiing. Except for general accident insurance, but some travel insurance can be underwritten;

4. Personal responsibility during travel, travel delay, baggage delay and other aspects of protection;

5. Travel risk is higher than usual, and travel insurance can also be used as a supplement to short-term accident risk (increasing accident protection).

Compared with overseas travel insurance, domestic travel insurance is simpler, and the basic protection items include: accidental death and disability, accidental medical compensation (some include disease medical treatment, some do not), emergency medical transportation and return, and return of remains. In addition, some plans include death from illness, travel delays and property losses, while others do not.

Accidental death and disability insurance coverage accidental death is not difficult to understand, that is, due to accidental death, full payment of insurance coverage;

Accidental disability is paid in proportion to the degree of disability. According to 20 15, the disability degree is divided into one to ten grades, and the proportion of insurance payment corresponding to the disability degree of life insurance is also divided into ten grades. Take "one limb missing (above the elbow joint of the upper limb and above the knee joint of the lower limb)" as an example, the disability level belongs to level 5 (median disability). If the disability protection of general travel insurance or accident insurance is 6,543.8+10,000, the proportion of compensation corresponding to the five levels of disability is 60%, and the amount of compensation is only 60,000.

"Accidents" within the scope of this guarantee refer to comprehensive accidents. Some types of insurance will also have traffic accidents and self-driving accidents, and the coverage is superimposed. Take chestnuts for example. If a person has taken out the travel insurance "Scheme II" as shown in the following figure, he will get 500,000 yuan (400,000 yuan for accidental death+654.38 million yuan for accidental death in driving) from this travel insurance. If this person's annual accident insurance coverage is still 1 10,000 per day, then the compensation he gets is accident insurance 1 10,000+travel insurance 500,000 =10.5 million.

Emergency rescue, whether in China or abroad, I value emergency rescue service most, because in an emergency, time is life.

Let's talk about emergency rescue first:

Emergency rescue means that when the insured suffers from accidental injury or sudden illness during the trip and is confirmed by the rescue agency designated by the insurance company to need rescue services, the insurance company shall bear the transportation and return expenses, and the maximum amount shall not exceed the insurance amount agreed in the policy.

Emergency rescue includes:

1. Medical transportation and return: For example, if the insured is in distress in an inaccessible mountainous area, the rescue agency will send helicopters and medical teams to the scene for rescue; For example, if the insured has an accident or is sick, the nearest hospital is not suitable for treatment. Aid agencies will be equipped with professional medical care and necessary transportation, and sent to hospitals that meet the treatment conditions for treatment. Return trip means that when the rescue agency thinks that the insured's illness or injury is stable and lets him return to the original place of departure, but during the treatment, the insured's scheduled flight may be delayed, then the insurance company will bear the cost of flight change or arrange another return ticket.

2. Repatriation of the remains: after the death of the insured, the insurance company will bear the cost of transporting the remains back to the original place of departure.

Some products also include the cost of visiting relatives and friends.

When traveling, under what circumstances can emergency rescue be started?

Emergency rescue is divided into the first scene rescue and the second scene rescue.

The first scene rescue generally refers to the scene where the party in distress is still at the scene of the accident or in danger and needs to be sent to the hospital for rescue. In this case, the local public * * * functional department must be the department closest to the scene of the accident, with the most perfect service network and the fastest access to the insured. Please contact the local public * * * functional departments as soon as possible, such as local.

120, 1 10, etc.

The medical rescue of insurance companies is generally a second on-site rescue. For example, the insured has an accident or illness and is sent to the hospital for treatment, but the hospital is not suitable for treatment. The authorized doctor of the rescue organization will analyze the insured's physical condition at that time from a medical point of view, and refer to the advice of the attending doctor to evaluate whether to carry out medical transportation. If it is necessary to transport the insured after assessment, the rescue agency will be equipped with professional medical aid and necessary transportation to transport the insured to the nearest hospital that meets the treatment conditions or the insured's permanent residence.

However, in some cases, insurance companies also provide first aid services. For example, when the insured is in distress while climbing or hiking in an inaccessible mountainous area, the emergency rescue service of the insurance company will arrive at the scene faster than the local public function department, such as sending helicopters and medical teams to the scene for rescue. So, this is the first on-site rescue.

Therefore, when insuring travel insurance, it is best to choose insurance companies with their own rescue agencies, such as Allianz, AIG Meiya, AXA AXA,

Starr historical belt, as far as emergency rescue is concerned, these four companies all have their own rescue companies, which are directly affiliated with insurance companies, so communication will be much faster.

In addition, make sure that the amount of "emergency medical transportation and return" of the products you insure matches the travel destination and the risks during the trip. For example, in some inaccessible areas or mountainous areas in distress, emergency medical delivery is likely to require helicopters, often costing hundreds of thousands of dollars.

Domestic emergency rescue expenses are relatively not as high as those in Europe, America, Australia and newly developed countries, so the amount of "emergency medical transportation and return" in domestic travel insurance is generally not set too high. For example, Allianz's "unlimited power" emergency medical transportation and return can reach up to 200,000:

Compensation for medical expenses refers to the necessary and reasonable medical expenses for the insured to suffer accidental injury or sudden illness during domestic travel and be treated in a second-class hospital or a medical institution recognized by an insurance company, and the actual expenses are compensated by the insurance company.

Please note here that domestic travel insurance generally only includes compensation for unexpected medical expenses, excluding unexpected medical expenses. Even if it includes medical treatment for diseases, it is only limited to 1 1,000 yuan. Moreover, the medical treatment of diseases is limited to sudden diseases during travel, excluding pre-existing diseases, dental diseases, reproductive organs diseases, drug allergies and so on.

For example, Allianz's plan 1, the insured amount of medical expenses is 1 ,000 yuan, of which the medical limit for diseases is 1 ,000 yuan.

Another example: Allianz's "Travel Around the World" plan only includes accidental medical care, not disease medical care.

Therefore, even for the same insurance company, different product protection plans have different coverage items. Be sure to look carefully when you apply for insurance and choose the protection scheme that suits you.

For the medical treatment of some diseases in domestic travel, it is generally a cold, fever and gastroenteritis. Because the medical expenses in China are not as high as those in Europe, America, Australia and new developed countries, I think these minor ailments of domestic travel are not serious.

High-risk activities If there are high-risk activities such as diving, rafting, mountain climbing, skiing, rock climbing and horse riding in your itinerary, it is recommended to take out travel insurance covering these high-risk activities. Choose the right protection plan for different trips.

For example:

Allianz's "unlimited power" can cover popular recreational activities such as diving, skiing and rock climbing, as well as altitude sickness and heatstroke, and the coverage of emergency medical transportation is also relatively high, because the demand for emergency rescue corresponding to high-risk activities is also great. Choose the appropriate protection scheme according to different trips, such as "going up the mountain" and "going to the sea".

See important notice for details:

Domestic road trip

Many people choose to drive their own cars when traveling around their permanent residence. Therefore, it is suggested to choose a travel protection plan by self-driving, including not only general travel protection, but also various situations that occur during self-driving.

For example, Allianz's "Anlv China" includes emergency trailer, roadside quick repair, emergency tire change, hotel accommodation or continuous travel during car repair.

Explain the safety responsibilities in the above table:

1, self-driving accident double indemnity, that is, the sum of the insurance amount of "accidental death and disability" plus the sum of the insurance amount of accidental death and disability in self-driving accidents;

2, driving with insurance, that is, self-driving drivers and passengers are suitable for self-driving protection.

Aviation accident insurance For children's shoes that often fly, an aviation accident insurance of100000 can be added. Zhongan Elite Edition 79 yuan can have aviation accident insurance for the whole year100000, regardless of the number of flights, with a small amount of other travel insurance. Compensating for flight delay 1 hour is against the sky. We can know that the flight delay in general travel insurance will reach 4 or 5 hours. .

For children's shoes that don't fly very often and only fly once or twice occasionally,

You can also choose short-term aviation accident insurance, such as Metropolis100000 pure aviation accident insurance 7-day plan (no flight for 7 days), that is, 15 days in 30 yuan, 20 yuan,1000000 yuan, so you can fly with more peace of mind.

Domestic travel insurance (excluding permanent residence) in the guaranteed area only covers travel in Chinese mainland (excluding Hong Kong, Macao and Taiwan), and does not include the administrative area of the prefecture-level city where his daily residence or work place is located.

If you want to protect the risk of living or working in China, it is recommended to configure comprehensive accident insurance. For example, Time's "Star Enjoy a Million Lives" comprehensive accident insurance covers the whole world, including the daily residence in China. Coverage is wide, and self-funded drugs other than medical insurance are also reimbursed by 100%.

Guarantee time travel insurance must be insured before travel, and the guarantee time of travel insurance must cover the whole journey, starting from the day of leaving the permanent residence and ending on the day of returning to the permanent residence. You can also add a few days later to prevent the itinerary from changing.

The insured's death insurance amount for minors under the age of 1 and 18 shall not exceed the limit stipulated by the China Insurance Regulatory Commission (under the age of 10, it shall not exceed RMB 200,000; Over 10 but under 18, not exceeding 500,000 yuan);

2.7 1-80-year-old insured, death/disability and medical expenses involved are half of the insured amount included in the protection plan, and the premium remains unchanged;

3. For the insured aged 8 1-90, the insured amount of death/disability and medical expenses involved is one quarter of the insured amount included in the protection plan, and the premium remains unchanged.

Other precautions and exclusions 1. Foreigners need to live or work in Chinese mainland for more than 183 days.

2. Exclude the insured from applying for compensation for cardiovascular and cerebrovascular diseases, hypertension or diabetes or complications of the above diseases before insurance.

3. Excluded liability:

No matter what kind of travel insurance or accident insurance, there are quite a lot of exclusions, so it is recommended to pay attention when you apply for insurance. All policy terms can be downloaded and read on the insurance page.

The following picture shows the exemption from liability in a domestic travel insurance policy clause of Allianz, which is similar to other insurance companies. Generally, there is point 4: exemption related to pregnancy, and point 16: exemption from participating in any professional or professional sports activities or sports activities with bonuses or rewards. In other words, for sports activities, entertainment can be compensated, while competition does not. Food poisoning, drug allergy and heatstroke in point 5 are generally exempted unless there are special protection items.

Summary:

1. The most important thing in travel insurance is emergency rescue. Try to choose an insurance company with strong emergency rescue strength, and the amount of insurance should match the travel risk.

2. Choose a suitable travel protection plan according to your own itinerary. Such as: whether to participate in high-risk activities, whether to fly, or go to road trip. If you don't find a suitable product, you can also ask the landlord to recommend it.

3, now travel insurance can be directly insured online, the price is very transparent, just choose a reliable platform to buy it! If you don't find a reliable platform, you can also find the landlord to recommend it. The insurance platform that the landlord has been using is more reliable.

4. After the insurance, you can call the official customer service phone of the insurance company to inquire about the insurance policy, or you can inquire about the insurance company in official website. However, sometimes there is a system delay in official website, which is usually found every other day.

Travel insurance must be purchased at least one day before the trip, the sooner the better, and take effect on the set date.

Tips: As long as it doesn't take effect, you can surrender unconditionally! However, if it is not necessary, please try not to give your insurance to the staff.