How to buy domestic travel insurance?

In order to further improve the quality of travel, many tourists will carefully purchase a satisfactory travel insurance before traveling, among which domestic travel insurance is favored by many tourists. So, how to buy domestic travel insurance? I will answer your questions in detail below.

Definition of domestic travel insurance

Domestic travel insurance, full name of domestic travel insurance, as its name implies, means that the insured has an accident or sudden illness while traveling in China during the insurance period, and the insurance company bears the insurance compensation responsibility and pays the insurance compensation according to the terms stipulated in the insurance contract. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Insurance liability of domestic travel insurance

Domestic travel insurance generally includes medical compensation, personal accident, emergency medical transportation, repatriation expenses, personal luggage, itinerary cancellation, itinerary delay, itinerary shortening, personal money and documents, personal responsibility, etc.

Domestic travel insurance matters

1. Pay attention to the insurance period, such as 7 days or 10 days.

2. It is very important to see clearly the scope of insurance coverage, what is guaranteed and what is not guaranteed, especially the exemption clause.

3. Pay attention to the insurance amount. Some people think that travel insurance is the same. In fact, sometimes the price is the same, but the amount insured is different.

4. The insurance amount must be enough. Some people are used to buying 6,543,800 yuan of accidents and 5,000 yuan of medical care, which is actually of little help, because people buy insurance in the hope of getting compensation beyond their ability to pay. If the insurance coverage is low, it really won't help if there is an accident. Therefore, it is recommended to purchase travel insurance products with accident amount better than 200,000 and accident medical treatment better than 20,000.

5. Pay attention to buying convenient and quick travel insurance. Traveling requires a lot of preparation. If you spend too much time buying insurance, it will take a lot of time, and people will be very tired and uneconomical.

6. After purchasing, be sure to check whether the elements of the insurance policy are complete and correct, and whether the insurance information is perfect. Generally, there should be invoices, insurance policies, insurance policies and insurance clauses for insurance.

Small details of domestic travel insurance

The first is the insurance period. The insurance period for citizens is better than or equal to the travel period. The timing period of insurance is generally from 0: 00 on the first day to 24: 00 on the end day. The insurance period of tourists should start at 0: 00 on the day of travel and end at 0: 00 on the day of tourists' return, covering the whole trip.

Secondly, the content of accident insurance protection. Most travel agencies insure tourists with travel liability insurance and travel accident insurance. Many tourists think that it is "a bit redundant" to insure both liability insurance and accident insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

In fact, the protection content and income target of these two kinds of insurance are different. Travel liability insurance only covers accidents caused by travel agency's responsibility during travel. If the accident is not caused by the travel agency, but by itself or any third party, such as leaving the group without authorization and encountering an accident, these situations are not covered by the travel agency liability insurance. Travel accident insurance is different. As long as the insured accidents agreed in the insurance contract are met, whether due to the responsibility of the travel agency, personal negligence or other emergencies, the insured can be guaranteed. When traveling with a group, you'd better buy yourself an accident insurance, carefully read the contents of protection and exclusion, and make a choice according to your needs.

In addition, pay attention to special risks. Bungee jumping is a high-risk sport in the process of tourism, and many travel insurance products do not cover high-risk special projects. Therefore, tourists who are interested in participating in these projects should see clearly whether such liability is included in the insurance clauses.

Bao Ge tip: Through the detailed introduction of insurance liability, insurance items and insurance details of domestic travel insurance, I believe everyone will know how to buy domestic travel insurance. In addition, domestic travel insurance provided by Bao Ge. Com not only has many kinds, but also is convenient to insure. Consumers are welcome to come for comprehensive comparison, selection and consultation. I recommend the following products for your reference.