Travel book: how to choose the travel insurance that suits you

Many people plan to travel in the coming "Eleventh" Golden Week. Need to be reminded that buying a suitable travel insurance before going out can undoubtedly ensure the safety of the journey. Here are some popular travel insurance for you to choose before going out.

1, traffic accident insurance

Junan Bank of CPIC Property Insurance: each premium 100 yuan, insurance period 1 year. Yes, by car, train, ship and plane.

To provide insurance for injury, the plane can provide 500,000 yuan, the train (subway, light rail), the ship 200,000 yuan and the car 65,438+10,000 yuan. If the insured usually travels frequently and wants to take the above-mentioned various means of transportation, it is recommended to choose this type of insurance when purchasing travel insurance, instead of purchasing aviation insurance every time.

China Life Communication Anda Card (A): each 20 yuan, insurance period 10 day. To provide insurance for injuries caused by taking cars, trains, ships and airplanes, with the insurance amount of 400,000 yuan for airplanes, 200,000 yuan for trains (subways and light rails), 200,000 yuan for ships and 20,000 yuan for automobiles. Suitable for tourists with short-term needs.

2. Comprehensive travel insurance

Comprehensive travel insurance covers a wide range, including accidental death, disability, burn insurance, accidental medical compensation, accidental hospitalization subsidies, etc. Insurance companies have introduced many unique travel insurances this year.

Ping An Life Insurance Company of China "Wanlitong" Card: This insurance mainly covers traffic accidents and is divided into three grades. The prices are 200 yuan, 250 yuan and 300 yuan in turn, and the insurance period is 1 year. According to the security projects in 300 yuan, it includes 2 million yuan for aviation, 0.5 million yuan for train and ship accidents, 50,000 yuan for travel accidents and 5,000 yuan for travel hospitalization.

AIA Bao 'an personal accident insurance Plan: This insurance mainly focuses on accidental medical care, and there are four different protection plans to choose from. Take Plan B as an example, the insurance period is 1 year, and the premium is 333 yuan. The protection provided is: 50,000 yuan for accidental death and disability, 50,000 yuan for double accidental compensation, 5,000 yuan for each medical treatment, and weekly hospitalization allowance for 500 yuan.

CPIC life comprehensive accident insurance protection plan: this insurance covers all aspects in a balanced way, including diamond card, platinum card and jade card. Take the Platinum Card as an example, the insurance period is 1 year, and the premium is 368 yuan. The protection provided is as follows: accidental death, disability of 250,000 yuan, accidental burn of 80,000 yuan, accidental outpatient/emergency treatment, hospitalization of 8,000 yuan, accidental hospitalization subsidy 100 yuan/day.

China Life Insurance Domestic Travel Insurance: This insurance is suitable for tourists with short-term travel needs. It is short-term insurance, the insurance period is 15 days, and each premium is 10 yuan. Provide 6.5438+0.3 million yuan accident insurance, 6.5438+0.5 million yuan accident medical insurance and 5,000 yuan funeral insurance.

3. Overseas travel insurance

Considering the high cost of hospitalization abroad and the high amount of medical insurance for overseas travel insurance, the main difference between various types of insurance lies in whether medical expenses are paid in advance in emergency rescue, which also directly affects the premium level.

Taikang Life Insurance's Overseas Travel Insurance: There are four combinations. Take a PC with an insurance period of 7-9 days as an example. The premium is 150 yuan, which can provide the following protection: 300,000 yuan for accidental death and disability, 330,000 yuan for overseas medical treatment, rescue service 150 yuan, 30,000 yuan for repatriation, 30,000 yuan for accompanying children and 60,000 yuan for post-death arrangements. This insurance does not provide advance service for overseas medical expenses.

Sino-German Allianz overseas travel insurance: There are two plans, A and B. Take Plan A with an insurance period of 7 to 9 days as an example, with a premium of 205 yuan, which provides the following protection: 300,000 yuan for accidental death and disability protection, 300,000 yuan for medical arrangement and medical expenses, 400,000 yuan for repatriation and transfer treatment, and 654.38 million yuan for the return of remains and ashes.

The premium of overseas travel insurance is relatively high, so it is necessary to carefully calculate the insurance period and the insurance time. For the same insurance, the 10 day premium may differ by 30%.

In addition, if you choose overseas travel insurance that can't pay medical expenses in advance, you should consult the insurance company in advance about the matters needing attention and procedures for settlement after the accident, so as to make a smooth settlement in the future.