Unexpectedly, it took more than 20 thousand to climb the mountain once! Thanks to this. .....

Miss Yi just quit her job and agreed to travel to Xi with her good friend. Because they only plan to go for five days, the time is not very long, and it is also a waste to buy insurance, so she did not plan to buy short-term travel insurance, but bought an insurance at the strong request of her friend. Sure enough, on the fourth day of the tour, Miss Yi slipped on the way back from climbing the mountain and suffered a comminuted fracture of her calf. The treatment cost more than 20 thousand yuan. Fortunately, Miss Yi's friend prepared short-term travel insurance for her, and she also reported the case to the insurance company in time and collected the claim data. The insurance company audited and compensated Miss Yi, which reduced her financial burden.

Through the above case analysis, do you feel the importance of buying short-term travel insurance? Don't be bound by the length of time out, accidents are everywhere. An extra short-term travel insurance can not only protect your personal safety, but also protect your economic interests after going out. Let's talk about short-term travel insurance today.

1. What are the options for short-term travel insurance?

So, what are the short-term travel insurance? There are four kinds of short-term travel insurance in the market: travel rescue insurance, personal accident insurance, travel accident insurance and personal insurance for lodging tourists.

Travel rescue insurance is a kind of insurance jointly launched by insurance companies and rescue agencies, which is commonly used by insurance companies. No matter where tourists encounter accidents in China, they can get help by calling.

Tourist personal accident insurance is suitable for tourists who participate in high-risk projects, but the insurance premium is very low, and the insurance period is limited to the time when tourists visit scenic spots, and each tourist can purchase at most 10.

Travel accident insurance mainly protects the risks that tourists encounter in the process of traveling, such as landslides and traffic accidents. Most tourists buy them when they travel.

The premium of personal insurance for lodging tourists is very low. Like personal accident insurance for tourists, the insurance period is always *** 15 days. The insurance can be renewed after the expiration of the insurance period.

Second, what is the payment process of short-term travel insurance?

Then, knowing so many types of short-term travel insurance, how should I pay for it after an accident? First of all, you need to report the case as soon as possible, and provide the insurance company with your policy number, name and ID number, the name and contact number of the informant, the basic information of the insurance accident and so on. In short, you should introduce your details to the insurance company to ensure that the information is true and effective. After notifying the insurance company, you should prepare the relevant information (which will be explained below) and file a claim with the insurance company. Then the insurance company will check the claim conditions, and as long as it meets the contract requirements, it will be successful.

3. What materials should be provided for short-term travel insurance?

The process of short-term travel insurance claims is very simple, but a lot of materials may be needed in the process of claims, including a claim application; Insurance certificate (electronic policy), identity certificate of the insured, accident certificate issued by relevant departments (if any), etc.

In addition, some identity information of the beneficiary and the insured is needed: the beneficiary's household registration certificate or identity certificate and the insured's household registration certificate or identity certificate. Because you need to claim compensation, the insurance company also needs to know whether you are really injured, so you also need the diagnosis certificate and the original certificate of medical expenses issued by the hospital or other medical institutions recognized by the insurance company.

Finally, the insured also needs to provide all the information related to the insured accident.

Fourth, how to choose beneficiaries?

Having said that, I believe you must have some understanding of short-term travel insurance. Then, the beneficiary of insurance is also important. This can be decided by the insured himself, whether it is the insured himself or the beneficiary designated by the insured, such as his children and parents. One more insurance, one more guarantee. There are always accidents in life. Don't take any chances. This is a good way to transfer the risk to the insurance company.