Where to buy travel accident insurance? It only takes 3 days. Many people buy

1. What is travel accident insurance?

Travel accident insurance, as the name suggests, refers to the insurance against external, sudden, and non-disease accidents during the travel activities arranged by the travel agency during the contract period. That is to say, within the insurance period of travel accident insurance, if the insured person dies or is disabled due to an accident during the trip, or if there are reasonable medical expenses incurred due to other protection items within the scope of insurance, the insurer will Should bear corresponding insurance liability.

Here, Baomei summarized the three basic conditions for travel accident insurance: one is an accident, the other is caused by external causes, and the third is that the cause of the accident is related to the result of the injury. direct relationship. Only when these three conditions are met can the corresponding claim be obtained. Therefore, we can regard this as the three elements or trilogy of compensation for travel accident insurance.

2. How many types of travel accident insurance are there? How to choose?

1. Short-term travel accident insurance

Travel accident insurance in a narrow sense generally refers to short-term travel accident insurance. The advantage of this type of insurance is that it has lower fees and protection. The scope is relatively wide. For example, the travel accident insurance provided by many organizations not only protects accident insurance benefits, but also involves other additional protections such as medical insurance benefits, luggage, third-party liability, etc. But at the same time, its disadvantage is also obvious, that is, the guarantee period is short, generally no more than 30 days.

This type of insurance is generally more suitable for customers with short travel time and low travel probability. For example, customers who will travel for a few days or weeks in a year can consider purchasing a short-term travel plan for themselves. Accident insurance makes traveling more secure and safe.

In addition, such customers can also purchase short-term accident insurance. The difference between it and travel accident insurance is that the protection is more targeted, usually including accidental disability and death insurance, and can also be added. Medical insurance premiums. The coverage period is usually one year, but short-term insurance can also be purchased at short-term rates.

2. Long-term accident insurance

This type of insurance is actually travel accident insurance in a broad sense, because it is not only aimed at accidents that occur during travel. The characteristic of this type of insurance is that it is usually associated with health insurance, including medical treatment for diseases. For those who travel frequently, it is recommended to purchase similar long-term accident insurance. In this way, as long as you travel at any time during the coverage period, you will enjoy the right to accident protection, and you can go on a trip as soon as you want.

In addition, when purchasing this type of insurance, it is best to include personal accident insurance, additional accidental injury medical insurance, additional hospitalization allowance medical insurance, and additional rehabilitation allowance medical insurance. Of course, on this basis, you can also purchase a short-term travel accident insurance based on your own needs to provide tourists with risk prevention services in other aspects of the travel process, making it truly foolproof.

Of course, for those who like to travel by car or on foot, Baomei recommends that you also purchase comprehensive accident insurance, so that you can get all-round protection whether there is an accident or illness; Friends who frequently travel abroad can also consider purchasing corresponding overseas travel insurance; if the family is traveling, many insurance institutions on the market now offer travel accident insurance similar to the "family card" nature, which is also a good insurance option.

In short, when buying travel accident insurance, you need to consider the length of time, frequency, and where you travel. Once you understand these points, you will be able to make the right decision when it comes to purchasing insurance. It’s easy to make a choice now!

3. Some common misunderstandings when purchasing accidental travel insurance

After understanding the concept of travel accidental insurance and how to roughly choose the type of insurance that suits you, Baomei has to say next These are some common misunderstandings that many people often have when purchasing insurance. I hope it will be helpful to everyone:

Myth 1: Travel agency liability insurance = travel accident insurance

When signing up for a group trip, many people think that they already have travel agency liability insurance, so there is no need to purchase travel accident insurance. In fact, the insurance mentioned by many travel agencies now actually refers to "travel agency liability insurance". The beneficiary is the travel agency, and the insurance covers travel risks caused by the travel agency. It is not specifically insured for tourists. Therefore, I heard that some travel agencies When promoting a product with the slogan "travel comes with insurance", be sure to see clearly whether the insurance mentioned here is liability insurance or real accident insurance. Secondly, even if a travel agency purchases travel accident insurance, it must explain in detail what specific protection items the accident insurance includes.

Misunderstanding 2: Thinking that buying accident insurance can protect you from all accidents

Many consumers think that they can sit back and relax after buying accident insurance, but they find out when an accident occurs and a claim is settled. It is not within the scope of the claim, let alone the expected compensation amount. Many times this type of insurance will "exempt" high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, and surfing. Therefore, customers should do more homework when purchasing travel insurance and should not simply measure the premium. While ignoring the actual needs, in fact, what you should pay more attention to is whether the policy is what you really need. What you should pay special attention to is the disclaimer clause of the insurance. Generally speaking, if the protection is for insurance on higher-risk travel projects, the premiums will usually be higher.

Misunderstanding 3: Thinking that full compensation will be paid after an accident

Under normal circumstances, the insurance amount agreed in personal accident insurance is only the maximum insurance limit that the insurance company will bear, and the actual payment The amount is determined on a case-by-case basis. Therefore, when choosing travel insurance, you should pay special attention to whether the insurance company's travel insurance has any restrictions on the compensation of sub-liabilities.

In addition, what Baomei wants to emphasize here is that many times conflicts between insurance companies and policyholders are largely due to the fact that the information between the two parties is not accurately communicated, so it is necessary to make it clear what they want. The details and key points involved in the insurance policy are very important and can avoid a lot of unnecessary trouble.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance