How to choose travel insurance

Abstract: How to choose travel insurance? Travel insurance generally includes medical expenses, personal accidents, accidental double compensation, emergency medical transportation, repatriation expenses, personal luggage, luggage delay, trip cancellation, trip delay, trip shortening, personal money and documents, and personal responsibility. So, how to buy travel insurance? Let's take a look with Bian Xiao. What kinds of travel insurance are there?

1, travel accident insurance

Travel accident insurance has been included in the air tickets and boat tickets we usually buy, and the premium is charged at 5% of the fare. Each insurance amount is 20,000 yuan, including 10000 yuan for accidental medical treatment.

2. Travel personal accident insurance

Most insurance companies provide this kind of insurance, each premium 1 yuan, the insured amount 1 ten thousand yuan, and only 10 can be purchased at a time. The insurance is more suitable for adventure travel, ecological travel, adventure travel and other travelers.

3. Personal insurance for accommodation passengers

Each premium 1 yuan, one person can buy multiple copies. Insurance liability is divided into three aspects: first, the insurance premium for accommodation passengers is 5000 yuan; Secondly, the insurance premium for accommodation passengers was 654.38 million yuan; Thirdly, the passenger's property is accidentally damaged or stolen to compensate 200 yuan.

4. Travel assistance insurance

This kind of insurance is more suitable for overseas tourists. After insurance, in case of accidents or legal disputes caused by tourists' ignorance of local customs and regulations, they can get free assistance by calling.

5. Travel assistance insurance

Travel assistance insurance is jointly launched by China Life Insurance Company, China Pacific Insurance Company and International Rescue Center. This kind of insurance expands the original personal accident insurance service for tourists, extends the general post-event claims of traditional insurance companies, and provides timely and effective help in case of accidents.

How to buy travel insurance?

1, online direct insurance

Just log in, click the insurance button, then fill in the relevant information, pay the corresponding fee, and it will be completed after submission.

Direct online insurance: it is convenient and quick, but if it is the first time to use this method, you need to be familiar with the requirements and procedures first, so as not to waste time, and finally choose a product that is not suitable for you.

2. Insurance card registration has been activated

With the prompt of the insurance card, go to the website of the corresponding insurance company to register. After entering the registration page, fill in the information carefully. After submitting the electronic document, there is no need to pay the premium.

Insurance card registration activation: you don't need to pay the premium through online banking, but it should be noted that it takes a little more time to buy an insurance card than to register online, so people who are not very patient can choose the latter.

3. Sign and purchase in the business hall.

If you are not particularly proficient in computer operation and have no insurance card, but are close to the business hall of the insurance company, then you can choose to go directly to the business hall of the insurance company.

Sign a bill to buy in the business hall: there will be an insurance policy, which gives people a practical feeling. This is a good choice for people who are not very proficient in computers, but it should be noted that the time in the business hall will be a bit long.

4. Entrusted purchase

I'm not familiar with the purchase procedure. Do you have any furniture with little time? I can entrust the customer service staff to buy it for me.

Entrusted purchase: it saves time and has professional recognition to serve you, with high credibility.

5. How to buy travel insurance for self-help tour?

For travelers who plan to travel by themselves, their autonomy is greater and their risks are greater. Pay special attention to the following three points when choosing travel insurance: First, the coverage should be comprehensive. In addition to including basic protection such as accidental death/disability and medical compensation, it is best to increase hospitalization allowance, emergency medical transportation and repatriation. Second, the amount of protection should be moderate. Among them, the amount of accidental death insurance is more than 200,000 yuan. For those who go abroad to help themselves, the amount of medical compensation is linked to the actual medical level of the tourist destination. Thirdly, if your self-help tour plan includes participating in high-risk sports, such as skiing, mountaineering, rafting, etc. You need to take out high-risk sports travel insurance. Choosing this insurance needs to include 24-hour emergency rescue.

6. How to buy travel insurance with a group tour?

For tourists traveling with a group, although the travel agency has taken out travel agency liability insurance, the coverage of this insurance is limited, covering only the losses caused by the travel agency's mistakes. Due to personal reasons and natural reasons, only travel accident insurance can bear the liability for compensation. Then, such a person can choose a basic travel insurance. When purchasing, you need to pay special attention to the guarantee period of travel insurance. It must be greater than or equal to your actual travel time, and the insurance date starts from 0: 00 on the first day. If you plan to travel abroad with a group, you need to strengthen the amount of medical compensation when purchasing travel insurance. Going to Southeast Asia, the medical expenses are about 654.38 million yuan. It costs more than 200,000 to travel to the United States, Japan and Australia, and more than 300,000 to go to Schengen in Europe.

7. How to buy travel insurance when traveling?

When car owners choose go on road trip, they should pay attention to the protection of people and cars when buying travel insurance. Personal accident insurance or self-driving accident insurance is recommended. When buying self-driving accident insurance, it is necessary to clarify the scope of protection, preferably including self-driving accident insurance, holiday compensation for self-driving accidental injuries, roadside quick repair service, and emergency tire replacement service. Only comprehensive consideration can make our trip safer! If you travel frequently, it is recommended to choose one-year personal accident insurance. In this way, you can still enjoy the corresponding insurance protection after staying in go and traveling on the road, avoiding the trouble of repeated insurance.

Analysis of Common Problems in Overseas Travel Insurance

Q: What are the necessary materials and points for purchasing overseas insurance?

A: Passport, household registration book, ID card, certificate of going abroad, visa application form, visa insurance, round-trip air ticket reservation, personal financial guarantee, residence and reception certificate in Schengen countries, etc. It is usually necessary.

Q: What's the first thing after purchasing overseas travel insurance?

A: Generally speaking, you will get an exclusive "overseas travel insurance card" after insurance. You need to fill in the information on the back of the card carefully and carry it with you in your luggage. In addition, after arriving in the destination country, try to buy a phone card that can be used locally. At least you must carry a help note written in English with the phone number of the overseas travel insurance hotline you bought and the contact information of the relevant personnel.

Q: If the travel agency has purchased an "overseas travel accident insurance" for me when I join the tour group, and I have purchased similar products from different insurance companies, how can I claim compensation in case of an accident?

A: According to different regulations between insurance companies, guests may get double indemnity from different insurance companies, but the specific details need to be asked from the relevant insurance companies.

Q: What kind of travelers need high-security accident insurance products?

A: Relatively speaking, guests can make a preliminary assessment of their health and physique. If they are weak, they can consider products with relatively high insurance coverage.