Travel insurance and accident insurance are ushering in a "blowout period". How much do you know about the disclaimers?

With the advent of the holiday travel wave, the insurance market has also ushered in a "blowout" period. Public data shows that on many insurance sales platforms, sales of travel insurance and accident insurance products have increased significantly. Parent-child travel, self-driving travel, overseas travel... As a traditional tourist peak season, in the past holidays, many parents have chosen various travel plans to accompany their children to better spend the "holiday". While having fun, using insurance products to better avoid personal risks has become the choice of more and more people. In fact, more and more unstable factors, frequent natural disasters in summer, and flight delays are increasing the demand for insurance in different types and scenarios. Many insurance sales platforms have also targeted this business opportunity and have launched travel protection products. How to choose among these various insurance products? What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at some good accident insurance recommendations? The top 20 best-selling premium accident insurance products in 2020!

There are differences between domestic and overseas travel insurance. “First of all, we should distinguish between domestic travel and overseas travel.” Some insurance experts pointed out that generally speaking, most short-term personal accident insurance and comprehensive travel insurance are aimed at domestic travel and can protect tourists from accidents during domestic travel. There are currently hundreds of travel insurance products for sale online, and most of them are short-term personal accident insurance. This type of insurance is relatively cheap, has a wide coverage, and has a flexible coverage period. If you are traveling overseas, on the basis of general short-term accident insurance, you also need to pay attention to adding emergency rescue protection services. Currently, there are many overseas travel accident medical insurance products to choose from on major online sales platforms. Although these products are more expensive, they also offer more coverage. Among them, emergency rescue services such as emergency medical evacuation, accommodation for family visits, hotel accommodation during the training period, and arrangements for the return of minor children to the country are all very complete. Use your credit card skillfully to obtain "free insurance". On the other hand, if you choose different travel modes such as self-guided travel, semi-self-guided travel, self-driving travel, and group travel, the focus of purchasing insurance will also be different. If you choose to travel in a group, many travel agencies will provide you with "travel agency liability insurance". However, industry insiders also remind that the "travel agency liability insurance" provided by travel agencies covers travel agencies. It generally compensates tourists for losses and injuries caused by travel agencies' liability, and tourists' personal injuries and personal injuries caused by personal negligence during the trip. Risks such as losses cannot be compensated. At the same time, if you plan to participate in high-risk sports when traveling with a group, you also need to purchase a travel insurance that covers high-risk sports. It is worth noting that in addition to "paid" insurance, the credit card services currently launched by Bank of China, China Construction Bank, Agricultural Bank of China, China Merchants Bank, Bank of Communications, CITIC and other banks also include value-added services such as insurance, and the protection content is not limited to aviation accidents. The insurance provided by these credit cards usually focuses on accident insurance, such as personal accident insurance, aviation accident insurance, travel and traffic accident insurance, etc. Relatively speaking, the insurance period is short, the scope is narrow, and there are many conditions for consumers to obtain compensation. Therefore, industry insiders also suggest that consumers can still choose a commercial travel insurance on this basis to obtain more comprehensive protection. What kind of good medical insurance is there? Which one is worth buying? Take a look at this year’s top 10 best-selling insurance policies among insurance companies: What are some good medical insurance recommendations? Inventory of the top 20 best-selling high-quality medical insurances in 2020

In addition, if an accidental injury does occur during travel and involves a claim, insurance experts suggest quickly contacting the insurance company to which the policy belongs and retaining relevant evidence. "Whether you are at home or abroad, you must keep the certificates and bills related to the insurance accident, such as the police record certificate, etc." Pay special attention to the restrictive clauses and liability exemption clauses of the insurance, and then maximize the Minimize the difference between insurance companies and claims expectations during claims settlement. If it is a specific situation where tourists are aware of the risks but deliberately violate the rules, the insurance company will not pay compensation. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

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Insurance knowledge What does travel insurance include?

It is very pleasant to travel with your family during holidays. Happy things. But there are some flaws in this comfort: travel accidents occur frequently and there are many compensation disputes. Who will pay for the travel risks? Maybe the first thing you think of is buying insurance, so how much do you know about travel insurance and what does travel insurance include? Let’s take a look at the introduction below for details.

The difference between travel insurance and personal travel accident insurance

Travel insurance is essential when traveling. There is a difference between personal travel accident insurance and travel insurance, both in terms of coverage and amount of insurance.

Specifically, let's take a look at the difference between travel insurance and personal travel accident insurance.