Travel has become a fashion. "Eleventh" holiday is approaching, tourism has become a hot topic, travel insurance has once again entered the people's attention. Insurance experts warn that risk is everywhere and during the travel period both at home and abroad don't forget to buy a travel insurance for yourself.
Travel insurance provides full journey protection
Many people think that I have bought accident insurance. Do I still need travel insurance?
Insurance experts pointed out that ordinary accident insurance will pay compensation for death and disability caused by accidental injury to the insured, but it is more likely to protect personal accidents.
However, tourism insurance will pay more attention to various risks in the entire travel process, including personal injuries, property losses, travel delays, lost documents, and personal negligence during travel.
Through the comparison of general accident insurance and travel insurance, the coverage of travel insurance will cover a wider area. For example, in the tourism process, some activities, such as rock climbing, rarely occur in daily life, and are not covered by ordinary accident insurance, but they are protected in some travel insurance.
Similarly, aviation accident insurance is not the same as travel insurance. The insurance liability of aviation accident insurance is to protect passengers from death and disability caused by accidents from the door (on the plane) to the door (the next plane). The time and scope of protection are very limited and cannot be compared with professional tourism accident insurance.
Overseas travel insurance can be flexible
Traveling to most European countries requires the purchase of the European visa insurance - "Schengen Visa Insurance", which is a stepping stone for European visas. If the medical insurance amount is not less than 30,000 Euros (about 300,000 Yuan), Schengen visa insurance must be valid for the entire Schengen area and for the duration of stay.
AIU Insurance's travel insurance professionals pointed out that the insured value of overseas travel insurance must also refer to the number of days of travel and the level of consumption in the travel area. For countries that do not have mandatory requirements, the amount of coverage does not have to be as high as 300,000 yuan. It is reported that medical expenses in the United States, Japan, and other countries are quite expensive. Tourists visiting tourist attractions in these countries may face higher medical expenses after they go out of danger. Go to Thailand, Malaysia and other Asian countries, short trips, low consumption, insurance coverage of about 100,000 yuan can be.
It is understood that the scope of protection for overseas travel insurance may include personal accident protection, hospital medical insurance, hospital cash subsidies, loss of travel documents, travel delays and emergency assistance services. Insurance experts advise that in the event of a journey delay or cancellation of the journey, the insured passenger must request the relevant department for a written certificate of flight modification and other relevant information in order to make a claim to the insurance company.
Domestic travel insurance is more cost-effective
Compared with overseas tourism, domestic travel insurance is cheaper. In response to the current prevalence of tourism, more and more insurance companies have begun to introduce travel insurance plans designed by the whole family. Dubang Insurance official pointed out that the travel insurance for family travel is more cost-effective for travelers because they only need to know the contents of the policy and apply for insurance at one time, so that they can get the protection they need while traveling the family, and at the same time save money. Premiums.
Under normal circumstances, the insurance plan for family travel is mostly comprehensive travel insurance, which can provide comprehensive protection for family members and personal belongings.
Insurance experts pointed out that overseas travel insurance must pay attention to emergency rescue services, and domestic tourism must pay more attention to whether insurance companies have their own branch offices in tourism destinations. In addition, in the event of accidents in domestic tourism, regardless of the size of the accident, it is necessary to dial the telephone number within 3 days of the occurrence of the accident, so as to avoid difficulties for the insurance company to carry out surveys and inspections. It is likely that the insured will bear unnecessary losses. When domestic tourists go to the hospital for medical treatment, they will try to go to the designated hospitals for medical insurance to receive medical treatment, and they will save the medical records, drug details, and various kinds of bills so that they can receive payment.
Emergency Rescue: Earn Prior Payment
Emergency rescue is a very important service for overseas travel insurance. The so-called emergency assistance insurance refers to the travel assistance insurance issued jointly by the insurance company and international rescue organizations. It expands the original tourism personal accident insurance services and extends the general insurance claims of the traditional insurance companies to facilitate the delivery of accidents. Timely and effective relief.
After receiving certain fees from domestic insurance companies, international aid agencies will provide users with targeted ambulance services. When an emergency occurs, they can hire military aircraft to transport the patient out of the accident site, and also send medical personnel. It has sent patients around the world to care for patients and has collaborated with medical service agencies all over the world to provide users with travel assistance services worldwide.
Earlier this year, after Shanghai tourists took risks in Arizona, domestic insurance companies cooperated with local emergency rescue agencies in the United States to respond quickly to the rescue work, highlighting the important role of such rescue agencies. It is understood that more than 20 insurance companies in China have established cooperative relations with international rescue centers.
Insurance experts pointed out that insured tourists must remember the policy number and emergency rescue phone when they are traveling abroad, and domestic tourists should remember the customer service phone number of the insurance company.
Expert reminds
Beware of travel insurance policies
Due to the clearer liability for travel insurance, the insurance terms are relatively simple, and they are mostly short-term insurance products. Many insurance companies had previously designed such insurance as simple card policies or hand-bashing orders. Due to the low anti-counterfeiting technology, insurance insurance policies have appeared in the insurance market.
Earlier this year, the China Insurance Regulatory Commission issued a notice in order to crack down on false insurance policies in aviation and travel insurance, etc. Experts advise that tourists can either choose to purchase at the insurance company’s business site or purchase it through an insurance company’s marketing staff or staff. At present, most insurance companies have developed short-term accident insurance products that can be purchased directly on the Internet. Consumers can also complete insurance and insurance payment procedures through mobile phone short messages and online platforms.
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