How to Choose Travel Insurance? Everything You Need to Know （1）
In recent years, tourism has been favored by more and more people, but travel insurance is a problem that many tourists ignore or struggle with. They either are not aware of the neccesity of travel insurance, or think that there is no risk traveling outside, there's no need to buy insurance. But often the risk of travel as small as cold, fever, diarrhea, etc., as serious as a threat to life, is possible! I think a lot of friends feel the same way, but even in the face of these realities, we'll still think we can be the lucky ones! But I have to say, you can count on your luck, but the risks is unexpected.
Once you go out and encounter risks, all the losses will be borne by yourself, which will not only affect your mood and not be fun, but will also bring you financial burden. The protection of travel insurance is at this time, although it cannot protect you, but it can give you a hand after you encounter risks! Therefore, travel insurance is a must-have product when we travel! At present, the travel insurance in the market is not expensive, and the amount of protection is relatively high; generally ranging from a few yuan to tens of yuan, and the highest is not more than one hundred yuan; for travel, it is not a burden to buy, but a boost. Many friends do not understand how to buy travel insurance. The following Xiaoxin will explain to you from the following aspects; and give you a comprehensive guide to purchase travel insurance, for your reference!
1. What is travel insurance?
2. How do I buy travel insurance?
3. What should I pay attention to when buying travel insurance?
1. What is travel insurance?
Travel insurance refers to all accidental casualties and loss of goods caused by various accidents (except diseases, surgical operations, wars, professional competitions and deliberate acts, etc.) that may occur on the way out. Generally, insurance companies pay for them.
Common insurance risk categories are as follows:
Medical expenses, emergency evacuation/repatriation expenses, overseas funeral expenses/accidental death, injury or disability relief, travel cancellation/restricted travel/delay, personal property and funds (including travel documents) lost, stolen or damaged, luggage (And emergency replacement of essential items) Delays, legal aid, loss of personal liability, and damage caused by serious damage to the leased car, etc.
Of course, not all insurance coverage must be bought. For different situations, it is the smartest to buy related travel insurance.
a. Accidental injury and medical care
• Travel and tourism accident insurance:
Generally include these three guarantee responsibilities:
Accidental death: During the insurance period, the insurance company has to bear the liability for claims due to accidental death;
Accidental disability: During the insurance period, disability due to accidents, according to the level of disability, the insurance company bears the corresponding liability for compensation.
Accidental medical treatment: The insurance company is responsible for compensation for medical expenses incurred due to accidents.
• Accidental death and disability
Death or disability due to accidental injury.
Death: full payment of insurance money;
Disability: pay a corresponding proportion of insurance money according to the disability level.
• Accidental injury in public transportation
During travel, when taking public transportation as a passenger, death or disability due to an accident.
The insurance company pays compensation for accidental injury protection;
If all the purchased protections are included, the insurance company's compensation rules are as follows:
After paying the general accident insurance, pay the public transportation accident insurance;
Death: full payment of insurance money; disability: pay a corresponding proportion of insurance money according to the level of disability.
• Self-driving accidental injury
When driving or riding a non-operating four-wheeled motor vehicle (usually below 7 seats, including 7 seats) during the trip, death or disability due to an accident.
The insurance company pays the compensation due to accidental injury protection; if the purchased protection includes all of them, the insurance company's compensation rules are as follows:
After paying the general accident injury insurance, pay the self-driving accident insurance; death: pay the insurance in full; disability: pay a corresponding proportion of the insurance according to the level of disability.
• Sudden death guarantee
During the trip, due to a potential illness or dysfunction, a sudden and unexpected death was diagnosed as a sudden death, and the insurance company assumed the corresponding guarantee responsibility.
• Medical expenses (including outpatient and hospitalization)
During travel, if an accidental injury or illness occurs and you go to a medical institution for treatment, the insurance company compensates for the necessary and reasonable medical expenses actually paid.