What does travel insurance cover?

Today Xiaonuo will show you how to buy travel insurance ~

What is travel accident insurance?

Travel accident insurance belongs to the category of specific accidental injury insurance in accident insurance. It is personal insurance for the insured who dies or is disabled due to accidental injury or other items within the scope of protection during travel.

There are generally four kinds of travel accident insurance products: aviation accident insurance, vehicle accident insurance, comprehensive travel accident insurance (including domestic and foreign) and personal accident insurance.

The first two types of products only protect accidents on vehicles, and the scope of protection is relatively narrow.

If you are traveling for a long vacation, you generally choose to buy travel accident insurance and personal accident insurance to increase your protection.

I have accident insurance. Can I change the travel accident insurance?

Compared with accident insurance, travel accident insurance is a more targeted travel insurance. Although there are some overlapping parts between the two, travel accident insurance contains more extensive protection responsibilities than accident insurance. Travel accident insurance not only protects the death, disability, accidental injury medical treatment and accidental hospitalization allowance of ordinary accident insurance, but also increases the protection of emergency medical transportation, baggage delay, travel delay, loss of travel documents, loss of personal belongings and theft of bank cards.

In terms of product selection, travel accident insurance is also more flexible. According to the duration of the tour, the economic development level of the destination, the items and forms of play, you can freely choose products with different days and different insurance coverage.

How to choose travel accident insurance

If it is a short-distance domestic tour, it is recommended to buy a personal accident insurance. The insured amount is 65438+1 00000 ~ 300000 yuan, and the guarantee period is generally between1day and 30 days. This type of insurance is characterized by low compensation, high security and flexible guarantee period.

For consumers who travel abroad, it is recommended to purchase comprehensive accident insurance for outbound travel. The insurance period of this type of insurance is generally 1 ~ 90 days, and the coverage can include accidental injury, emergency medical rescue, compensation for medical expenses, compensation for travel delay, compensation for lost luggage, etc. It can basically meet the needs of tourists for overseas travel safety.

Matters needing attention

1 To travel abroad, you should choose insurance with international rescue service. Once you are in danger abroad, as long as you get in touch with the rescue agency that cooperates with the insurance company, the rescue company will provide one-stop services, including treatment and rescue, and arrange family members to visit the disease abroad.

Before taking out insurance, you should carefully read the "exemption from liability" items in the insurance policy, such as war and terrorist attacks, high-risk sports, etc. , are exempted.

If your travel plan includes high-risk sports such as horse racing, rock climbing, diving, alpine skiing, bungee jumping and surfing, you should pay special attention to the definition of high-risk sports and whether they are exempted.

Among them, the exemption clause for high-risk sports stipulates that:

If you plan to travel to Schengen countries in Europe, such as France, Germany, Greece, Italy, Austria, Belgium, Denmark, Finland, Luxembourg, Norway, the Netherlands, Portugal, Spain and Sweden, when applying for a Schengen visa, you must provide a European Schengen visa (which can also be called tourist medical insurance, and is a necessary material for issuing a Schengen visa), and you must choose a guarantee equivalent to more than 30,000 euros, including global emergencies.