Peace of mind insurance weather insurance
Although travel accident insurance has a short guarantee time and a cheap price, it can't be underestimated when it comes in handy, and it can even save lives!
Therefore, travel insurance does not mean that you can buy it casually, but whether we can get the protection we deserve after the loss! Don't be careless when buying.
I. Frequently asked questions
Q: If you have comprehensive accident insurance, do you need to buy travel accident insurance?
Of course! Travel insurance is essentially an accident insurance.
Accident insurance focuses on the risks caused by accidental injuries. Travel insurance is more targeted and pays attention to all aspects of the whole travel process.
Its protection content is to add some special protection for travel on the basis of accident insurance, such as medical expenses, emergency rescue service, emergency medical return, trip cancellation, personal property protection, personal responsibility protection, travel change protection, travel delay protection and so on.
Some high-risk activities or sports in travel: diving, diving, skydiving, rock climbing, adventure, martial arts, wrestling, stunts, horse racing, car racing, etc. Therefore, if you are interested in participating in these sports during holidays, it is very necessary to prepare a special accident insurance for high-risk sports.
Travel insurance can be covered by tens or hundreds of yuan because of its short guarantee time and cheap price.
Q: The travel agency purchased insurance before departure. Is it necessary for us to buy it again?
Tell everyone clearly here: it is necessary! !
The insurance name bought by the travel agency is travel agency liability insurance, which only pays the responsibility for accidents caused by the travel agency.
In other words, only compensation for accidents caused by negligence or mistakes of travel agencies! If the accident is caused by our own reasons, the insurance company will not pay for it!
It's as big as watching the scenery slip and fall, as small as eating food poisoning from roadside stalls, which has nothing to do with travel agencies.
The insurance bought by the travel agency is very, very unlikely to be paid after an accident.
Therefore, if you want to resist all kinds of accidents that may occur during travel, you still need to prepare a travel accident insurance for yourself.
Q: Can accident insurance and travel insurance be reimbursed together?
Yes, you can.
Accident insurance generally includes accidental death, accidental disability and accidental medical treatment;
Travel insurance generally includes compensation for accidental death, accidental disability, accidental medical treatment and economic loss.
One by one:
Accidental death can be settled together, and there is no upper limit. It should be noted here that the amount of insurance for the death of minors is limited by the state, and the maximum amount is not more than 200,000 according to the age;
Accidental disability, according to the national disability appraisal results, 10 to 1, 10%- 100% of the insured amount, can be superimposed claims;
Accidental medical treatment can be reimbursed together, but the maximum reimbursement amount does not exceed the total expenditure;
Financial loss compensation, if there are two copies, can be reimbursed together according to the regulations.
So accident insurance and travel insurance can be superimposed.
Two, the purchase and choice of travel accident insurance need to pay attention to the place
To put it simply: effective time and guarantee period, travel destination and medical insurance amount, high-risk sports and exemption clauses, emergency rescue service.
1. Effective time and guarantee period
Generally speaking, the effective time of travel insurance needs to be specified by yourself, and the guarantee period is flexible, 1, 2 days, 3 days, 1 year, and you can choose freely. Travel accident insurance will not take effect until the next day at the earliest. I suggest you buy it in advance.
To purchase travel insurance in advance before the start of the trip, you need to pay special attention to the start and end time of the insurance, and at the same time ensure that it can cover the whole travel time.
For overseas travel, the guarantee period generally takes two days: the travel day and the return day.
Different countries may have different requirements. For example, the Italian Embassy in Schengen requested a five-day extension, while the Belgian Embassy requested a two-day extension.
2. Travel destination and medical insurance amount
Domestic travel and overseas travel, different tourist destinations, the choice of travel insurance will be different However, whether it is domestic or overseas, the medical insurance amount of travel insurance must be high enough.
In particular, friends who play abroad should pay special attention to the fact that different countries or regions have different visa requirements for overseas tourists. Some countries have clear requirements for overseas insurance, some countries have requirements for the amount of protection, and some countries even have restrictions on insurance companies.
For example, Schengen visa, a visa can go to nearly 30 European countries, and the requirements for travel insurance are very clear:
Travel medical insurance must cover the cost of repatriation due to illness, as well as the cost of first aid and emergency hospitalization, including at least 30 thousand euros, about 240 thousand yuan.
In other words, a special Schengen travel insurance, accident medical insurance coverage is generally more than 300,000 yuan.
In addition, it is especially reminded that most travel insurance products do not cover countries or regions that are in a state of war or have been declared into a state of emergency. When buying travel accident insurance, you need to pay special attention to whether the destination is exempt from liability and ensure that the destination is within the scope of protection before buying.
3. High-risk sports and exemption clauses
Everyone is glad that you came when traveling, so they will be more willing to try some fresh and exciting outdoor activities than usual. For example, if you go to Thailand to play, you can't help but try to leap in the jungle; No one will refuse a hot air balloon when visiting Turkey. When visiting America and Australia, many people drive or take the road.
And fresh stimulus = high risk, obviously prone to accidents, which is not covered by ordinary travel insurance. Be sure to choose travel accident insurance that includes high-risk sports.
At the same time, we should pay attention to the exemption clause and determine what can and cannot be guaranteed.
And even if it is the same high-risk sport, different products have different requirements for it, so the exemption clause must look good.
4. Emergency rescue service
This is a very important guarantee. It is best not to have an accident. If an accident happens unfortunately, I naturally hope to get help at the first time, especially when traveling overseas.
Therefore, the underwriting company of overseas travel insurance is an important consideration in choosing products.
Because the emergency rescue guarantee is closely related to the rescue organization behind the insurance products, is the rescue organization professional, the service level good and the rescue timely? ...
Therefore, in overseas travel insurance, the products of AIA, Allianz, Times and AXA are more popular because emergency rescue services are provided by their subsidiaries.
3. Do you choose the same insurance for domestic/overseas travel?
Within China (Chinese mainland, Hong Kong, Macao and Taiwan are all overseas).
If you have insured accident insurance, millions of medical insurance and other products before, you don't need to buy travel insurance. It should be noted that domestic travel insurance generally does not protect the place of residence. After all, it is said to be a tour. What kind of tour is it to play at home ~
However, it is more comprehensive and secure to buy a travel insurance when you are away from home.
1. If the itinerary includes high-risk sports (such as bungee jumping, skiing, rock climbing, diving, skydiving, etc.). ), please be sure to choose products that include high-risk sports protection.
If you travel on the road, you can buy travel insurance on the road.
Go on road trip insurance, in addition to accidental death/disability, accidental medical treatment, etc. It also provides emergency towing service, accidental medical treatment, compensation for accidental injury holidays, hotel accommodation service during car repair, roadside quick repair service, emergency tire changing service, etc.
Practical and thoughtful, it can be of great use at critical moments.
Overseas/overseas
It is estimated that everyone has seen or heard the news that overseas medical treatment is too expensive. Yes, the high medical expenses overseas are unbearable for us uninsured "foreigners". Don't worry about the little money you bought insurance. You will know that the meat hurts when you pay. It's easy to say that you want to spend money on it. If you can't afford it, it's over.
So when choosing insurance, it is necessary for us to compare the amount of medical insurance. In principle, the more the better. But when it comes to the market situation, I still give you a realistic suggestion:
If the destination is developed countries such as Europe and America: at least 300,000 or 500,000 is better, especially to countries with high medical expenses such as Germany, Switzerland, the Netherlands, the United States and Australia.
If the destination is Southeast Asia, Hong Kong, Macao and Taiwan: 50,000-80,000 is more appropriate.
If the destination is Africa or South America, the more the better, depending on the national conditions.
Summary:
Travel is very personalized. I hope you can choose a suitable travel accident insurance according to your own needs and travel without worry ~
Of course, we hope that even if you buy travel insurance, you don't have to go out happily and go home safely.
Finally, in the event of an insurance accident, travel tips to facilitate claims are up:
(1) Travel insurance policy and rescue hotline number, it is best to keep a copy of your mobile phone and a paper copy.
(2) Personal certificate, with a copy.
(3) If the financial or documents are lost, report to the local police in time and report to the insurance company for settlement.
(4) Some travel insurance can be paid in advance by medical treatment, but not.