What kind of insurance should I buy when traveling?

More and more families consider traveling as one of their vacation options. While tourists are enjoying their sightseeing tours, they often overlook the many uncertain factors that exist, and accidents may happen at any time. So, what measures should be taken to minimize the economic losses caused by accidents?

Expert advice: Before traveling, you may wish to purchase a travel insurance. It is specially tailored for tourists. When tourists encounter specific accidents during the trip and cause accidental injuries and losses, they can obtain Timely assistance and corresponding financial compensation can fully protect yourself and your family's travel.

At present, domestic insurance companies mainly carry out the following types of travel insurance businesses:

Travel personal accident insurance: This type of insurance is the most popular for all tourists who go out. It is practical and the most necessary, and the premium is cheap, with the insurance amount up to 10,000 yuan. The insurance period starts from the time when tourists purchase insurance and enters tourist attractions and scenic areas until the tourists leave the tourist attractions and scenic areas.

Passenger accident insurance: This type of insurance mainly provides risk prevention services for tourists when traveling by means of transportation. 5% of the amount of tickets and boat tickets purchased by tourists is used for insurance. Each The insured amount of the insurance is 20,000 yuan, including 10,000 yuan in accidental medical accident compensation. The insurance period starts from the time when the passenger checks in and enters the station or gets on the boat midway, and continues until the passenger checks in and leaves the station or gets off the boat midway.

Travel accommodation personal insurance: This type of insurance costs 1 yuan each, starting from 0:00 on the date of accommodation. The insurance period is 15 days. It can be renewed after the expiration. Each tourist can purchase multiple copies. The protections provided by this type of insurance include: 5,000 yuan insurance for accommodation passengers, and 10,000 yuan for accommodation passengers. Passengers can also receive corresponding compensation when their belongings are accidentally damaged, stolen, robbed, or lost.

In view of the existing insurance types, experts suggest that tourists should purchase travel insurance appropriately and scientifically according to their own needs and economic conditions, in order to achieve a win-win situation for economy and enjoyment.