What to pay attention to when buying short-term accident insurance! An article that answers all your questions!

The Spring Festival holiday is coming. Have you made a plan for going out? Don't forget to take your insurance and have fun. When we usually travel or fly, we will be asked if we need to buy insurance. One-day short-term accident insurance is the only one-day guarantee period. It also belongs to travel accident insurance, so there is little difference between it and travel accident insurance in terms of coverage and payment conditions. Let's take a look at what we need to pay attention to when buying one-day short-term accident insurance.

First, the insurance period is longer than the travel time.

(1) The insurance period is better than the travel time. If there is no full coverage, some travel time will not be guaranteed.

(2) Travel insurance can be purchased on the same day, which will also show that the insurance is successful. However, it should be noted that after the purchase on the same day, the effective date of many insurances is the early morning of the next day. In other words, if you buy insurance on the day of departure and it takes effect the next day, then you are in a state of no insurance protection on the day of departure. Therefore, it is recommended to buy insurance the day before going out to travel and take effect the next day, so as to be foolproof.

Second, insure on demand.

Everyone should be aware of their own needs when taking out travel accident insurance. For example, if the itinerary contains high-risk sports, such as skiing and rafting, it is necessary to choose travel accident insurance to protect these high-risk projects; If you choose to go to high-altitude plateau areas such as Yunnan and Tibet, you must choose products with plateau medical security and emergency rescue.

Thirdly, we need to know the scope of protection.

To understand the scope of protection, we should pay attention to the exemption clause. Many people don't know the scope of responsibility when choosing insurance. As a result, I was told that I could not pay compensation as soon as something happened. In order to prevent this from happening, you must confirm the coverage of travel insurance with the insurance company before purchasing. Only in this way can we travel more smoothly.

The coverage of general travel insurance includes:

(1) Accidental death/disability/medical treatment during travel, that is, the insurance period.

(2) Emergency towing/maintenance/search and rescue/repatriation services during the tour.

(3) Property losses occurred in the course of traveling, and compensation is needed.

Sometimes we travel with a group. At this time, it should be noted that the insurance purchased by the travel agency may not be accident insurance, but liability insurance, which has a small coverage and generally does not include accidental injuries of tourists.

Four. Insurance premium and amount

Insurance cost: Due to the short-term accident insurance coverage period of one day, the general insurance price is not high, ranging from several yuan to tens of yuan on average. You only need to pay the premium once.

Amount insured: The amount insured is the amount paid by the insurance company to the insurer when there is a claim in the contract. Of course, this amount does not mean that the higher the better, because the level of insurance coverage will also affect the insurance cost. The higher the insured amount, the higher the insurance cost. So when you choose again, you need to look at the danger (risk) of the place you want to go. If you just go to an ordinary place, you can choose a relatively low insurance coverage; If you go to high-risk places, such as mountain climbing, rafting, skiing, etc. , you can increase the insured amount appropriately. However, it should be noted that the insured amount agreed in the insurance contract is not necessarily the amount to be paid to you in the end, but the highest insured amount promised by the insurance company. When the insurance company pays specifically, it will also pay according to the item-by-item responsibility.

Pay attention to report the case after the verb (the abbreviation of verb) appears.

Compared with long-term accident insurance, one-day short-term accident insurance usually has accidents, and the insured will not stay at the accident site for too long after the accident. So be sure to report the case in time. If the case is not reported in time, it is very likely that the insurance company will not be able to investigate in time, so it may be refused compensation by the insurance company.

There are a lot of people during holidays, so everyone must ensure the safety of themselves and their families. If you have other questions about one-day short-term accident insurance, you can search for "Baibaojun" in Baidu. "Baibaojun" has a very professional insurance consultant team, which can match you with one-on-one exclusive consultants, provide you with all-round answers and help you learn more about insurance.