What is travel insurance?
Travel insurance generally covers medical expenses, personal accidents, double compensation for accidents, emergency medical evacuation, repatriation expenses, personal luggage, luggage delay, cancellation of trips, trip delays, shortened trips, personal money and documents, and personal liability, etc. Personal Accident: If the insured suffers limb incompleteness, blindness in one or both eyes or even death due to a serious accident, the insured can receive compensation according to the amount of compensation in the policy. If the insured suffers from an accident or serious illness, relevant parties will provide emergency medical evacuation.
Repatriation costs: If the insured dies unfortunately, the insurance company will provide for the return of the body to the place of origin. Personal luggage: If the personal luggage of the insured is stolen, accidentally lost, or damaged during the journey, a certain amount of compensation will be paid. Delayed luggage: If the insured person’s luggage has not been delivered to the destination 12 hours after the plane transporting it, compensation can be paid for every 12 hours.
Cancellation of the trip: If the insured is unable to travel due to serious illness or accident within the effective date of the policy to the departure date, the insurance company will be responsible for all travel deposits, air tickets, and other losses. Journey delay: If the means of transportation taken is delayed due to bad weather, mechanical failure, industrial action, or being hijacked, the insured can get compensation according to the time. If the insured person or his family members encounter an accident, serious illness, or death and need to end the journey early, the insured person can claim for the expenses that have been paid or cannot be enjoyed.
What kind of insurance do you buy for traveling?
In summer, traveling has become a new fashion choice for people. When you are away from home, People in the insurance industry believe that general tourists should purchase four types of insurance when traveling: travel assistance insurance is a type of insurance generally offered by domestic insurance companies, and it is jointly launched by insurance companies and the International Rescue Center. In case of danger, you can call for free assistance. Passenger accident insurance This type of insurance mainly provides risk prevention services for tourists when traveling by means of transportation. 5% of the number of tickets purchased by tourists is used for insurance, and the insurance amount of each insurance is 20,000 yuan, including 10,000 yuan for accidental medical accidents.
The insurance period starts from the time of ticket check-in or boarding the train halfway, until the tourist check-in and leaves the station or gets off the train halfway. Tourist personal accident insurance is best purchased by tourists who participate in adventure travel and thrilling travel. The insurance premium for this type of insurance is 1 yuan each, and the maximum insurance amount can reach 10,000 yuan. Each tourist can buy up to 10 insurance policies
