Travel insurance tips
Going out, safety first.
A large number of tourists saw on the itinerary that the cost already included travel agency liability insurance, and they mistakenly thought that there was no need to purchase travel accident insurance. Some tourists took it lightly and did not consider buying accident insurance. What is the difference between travel agency liability insurance and travel accident insurance?
What criteria do visitors buy for accident insurance?
What are the guarantees for buying accident insurance and what conditions can I purchase?
首先要提高旅游保险的意识 [错误认识] 1.I am lucky to think that there is nothing wrong with the three- or five-day itinerary, and the insurance premium can save the province;
跟团旅游有旅行社责任险已经足够； [正确理解] 1.Buying a travel accident insurance is actually a responsibility to yourself and your family;
The travel agency liability insurance will only be liable for compensation if the passenger’s personal and property losses are caused by the travel agency’s responsibility. If the passenger is personally injured or property damage caused by personal and other reasons, the insurance company will not be liable for insurance.
Therefore, travel agency liability insurance cannot be equated with travel accident insurance.
Tourists participating in the tour group, in addition to insuring the travel agency liability insurance, it is best to add a travel accident insurance, in order to make a “double insurance” for travel, to minimize the economic losses caused by accidents.
Buying a travel accident insurance suitable for you At present, there are many types of travel accident insurance on the market, and the content and duration of the protection are different. Visitors should choose according to their own travel conditions when purchasing.
Take the outbound travel insurance of foreign insurance companies as an example. The basic protection content is clearly classified: travel impediment guarantees, including travel delays, baggage delays, journey changes, travel cancellations; personal property security, including personal money, travellers’ property, travel documentsLoss, home security; personal accidental injury and medical care, including accidental death, burn and disability protection, double accidental public accident, medical compensation (total compensation), condolence visit fee, daily hospitalization allowance; emergency rescue,Medical delivery and return, return of the dead body; personal responsibility, etc.
According to the insurance period purchased by tourists, the insurance premiums vary according to the premiums, and different insurance companies have different regulations on the insurance amount of each insurance policy.
Visitors need to understand the contents of the entire policy when purchasing accident insurance, and choose the travel accident insurance that suits them according to actual needs.
It should also be noted that some insurance companies have set up services for after-the-fact assistance.
They have joined forces with foreign countries to jointly provide emergency assistance services at home and abroad, so that insurance customers can receive timely assistance in the event of short-term travel, business trips, and family visits.
So if you buy this type of insurance, usually write down their rescue hotline and dial when the brakes are needed.
Tourists who match the travel time and travel time can choose the insurance period according to the number of days traveled, such as the long line of more than 7 days, every 8-10 days, 11-14 days or longer, Southeast Asia and Japan and South Korea can choose1-7 days period.
In the choice of short-term travel insurance products, the insurance period should preferably be equal to or greater than the travel period. Under normal circumstances, the insurance start date starts from 0:00 on the day before the trip or starts a few hours before the trip.
See the insurance rules, for example: 1.
Pay attention to the period of coverage: each insurance has a period of coverage, for example, the maximum length of the domestic covered travel period is no more than 45 days; the maximum period of overseas insurance coverage is no more than 182 days;
For some countries and regions, insurance companies are not covered.
For example, Afghanistan, Colombia, East Timor, etc.;
The insurance company sets certain claims rules according to the age of the insured.
For example, for the insured from 71 to 80 years old, the amount of insurance for “accidental death, burn and disability protection” and “double payment of accidental injury” is half of the insurance amount, and the insurance premium remains unchanged.
This part of the specification needs to understand and avoid unnecessary disputes.
[温馨提示] 在旅行途中万一出险，被保险人需保留好相关的单据和文件以便进行理赔。Take a simple example of AIU Insurance, how to delay the payment of the journey delay?
If the insured delays the aircraft or ship for more than 5 hours due to the reasons stated in the policy, he shall obtain a proof of delay from the airline or the shipping company at that time.
After returning to China, you can file an application for compensation with the insurance company and submit the following information: 1.
Insurance company’s budget application form; 2.
Copy of the ticket and boarding pass, or copy of the ticket; 3.
A copy of the passport entry and exit record; 4.
The original certificate of the carrier;
A copy of the insurance policy.
Visitors should note that the amount of insurance agreed upon by personal accident insurance is only the maximum insurance premium payable by the insurance company, not the actual payment amount. Except for aviation accidents, the maximum amount of compensation can be paid. Other personal accident insurance is paid in proportion.
In addition, many travel accident insurances are “disclaimed” for high-risk activities such as horse racing, rock climbing, diving, alpine skiing, bungee jumping, and surfing.Therefore, when choosing travel insurance, tourists should pay attention to whether there is any restriction on the payment of sub-claims for travel insurance launched by insurance companies.