Do I have to buy insurance for traveling?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Traveling abroad is not only good for your health, but also can increase your knowledge. However, the journey is ever-changing, not afraid of 10 thousand. I'm afraid that in case, the final insurance is equivalent to wearing a seat belt. I went to Yunnan Travel Network to remind you that you should pay attention to the following points when buying travel insurance: 1. Travel agencies only bear part of the responsibility when tourists have accidents in the process of traveling, because travel liability insurance is the insurance that travel agencies must take out, and it only pays the economic responsibility that travel agencies need to bear due to negligence or negligence, and the accidents that tourists themselves have are not covered. Therefore, when traveling, you must buy a travel accident insurance for yourself and your family. 2. General domestic travel insurance is short-term accident insurance, which covers accidental injuries during travel. Certain activities are also guaranteed, such as riding, skiing, rock climbing and other high-risk entertainment projects. If you already have personal accident insurance, the amount is high enough and you don't participate in high-risk entertainment projects, you don't need to take out travel insurance. 3. Most air tickets, tickets and scenic spots tickets contain insurance, and these tickets also have the meaning of insurance certificates. In the event of an accident, they are the basis for claiming insurance compensation and paying insurance benefits, and should be properly preserved. At present, Ping An, Allianz, Taikang and other insurance companies have the function of online insurance, and there are many third-party insurance websites, such as Youbao. Com and Taobao, which also collected the products of various insurance companies for comparative insurance. 5. If it is a domestic tour, we recommend "Ping An Short-term Travel Insurance A", and the insurance period can be selected according to the number of days of travel, with the lowest 3 yuan. It is enough to cope with ordinary travel. There is also a relatively basic one: "Safe Day Tour", including accidental injuries and accidental medical responsibilities, 1 yuan/person. The duration of travel insurance should match the travel time. If the travel itinerary changes, tourists should adjust the coverage period of the selected insurance. 6. The insurance amount agreed in the personal accident insurance is only the highest insurance premium paid by the insurance company, not the actual amount paid. Except for aviation accidents, other personal accident insurances are paid in proportion. Therefore, we should pay attention to whether there are restrictions on reinsurance liability in the travel insurance introduced by insurance companies.

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