How to buy travel insurance is more suitable for the National Day Mid-Autumn Festival ＂Golden Week＂.
This year’s National Day Mid-Autumn Festival "Golden Week" has a total of eight days of holidays, which is the peak of tourism. While enjoying the journey, we should also pay attention to guard against potential risks, and it is necessary to rationally allocate insurance. Insurance industry insiders suggest that consumers can choose the appropriate insurance type and coverage according to factors such as travel mode, destination and means of transportation. When applying for insurance, you should also pay attention to the effective time of protection, insurance instructions, exemption clauses and health notification, so as to avoid subsequent claims disputes.
Transportation and comprehensive insurance are the foundation.
The reporter learned that many citizens have planned and implemented travel arrangements in advance, and the number of travelers has been increasing. In this regard, insurance industry insiders suggest that consumers with economic conditions can take out relevant travel insurance as soon as possible.
Sun Yajie, a senior insurance broker, said in an interview with a journalist that the first thing you can buy when you travel is traffic accident insurance. Whether traveling by plane, train, long-distance bus or by car, traffic accident insurance is the most basic guarantee. This kind of insurance mainly covers accidental injury and acute attack, and some products also include emergency medical transfer service. For tourists in go on road trip, it is particularly important to buy insurance specifically for go on road trip, which can provide services such as road rescue and vehicle breakdown maintenance to ensure the safety and smoothness of the journey.
So, you have already bought accident insurance, do you still need to buy special travel insurance? This is the doubt of many consumers. Sun Yajie said that travel insurance often includes travel-related risk protection such as sudden illness, sudden death liability, travel delay, property loss, lost documents, emergency rescue, etc. Other high-risk sports are often not covered by ordinary accident insurance, so consumers are advised to buy special travel insurance for tourism when their financial capacity allows.
The reporter learned that among the insurance products designed by insurance companies for tourism, the coverage of various types of insurance is different, including those that provide protection for the possible risks of tourist attractions, those that provide protection for the risks of taking transportation during the journey, those that provide full insurance protection from the beginning to the end of the tour, and various types of additional insurance for tourism. So, how should consumers choose? According to the insiders, if the journey is short and you don’t carry valuables with you, you should mainly consider the protection of personal safety to protect accidental death, disability and medical care. If the distance is long and you need to take a plane or train, you can consider taking out aviation accident insurance and train accident insurance.
Overseas travel and rescue capacity
When citizens buy travel insurance, they should also choose accurately according to their travel destinations. For domestic tourists, you can choose travel insurance covering Chinese mainland (excluding Hong Kong, Macao and Taiwan). This kind of insurance is usually cost-effective and practical, including accidental death and disability, medical expenses, hospitalization allowance, 24-hour emergency rescue and so on. In addition, some products also cover popular sports such as skiing and diving to meet the diverse needs of tourists. If you plan to travel abroad, you need to buy overseas travel accident insurance. You can consult the insurance company and choose the specific products according to your own needs.
It is worth noting that when purchasing overseas travel insurance, the overseas rescue ability of insurance companies is the core consideration, which is directly related to whether insurance can really play a role when tourists encounter unexpected situations overseas.
Taking "Ping An 24" as an example, overseas emergency rescue is its core characteristic service. This product has created an innovative service model of "prevention, rescue and compensation". The rescue network covers the whole world and has served more than 230 countries and regions, providing overseas travel services before, during and after the trip. It also provides 7*24-hour emergency medical rescue and safety rescue, covering various risk scenarios such as war, riots, terrorist attacks, kidnapping, hijacking and natural disasters.
In addition, travel insurance needs to be insured before departure, and the guarantee time covers the time period before departure and after returning home. Before purchasing a certain product, you need to read the Insurance Instructions and precautions carefully to understand the coverage and exemption clauses. At the same time, according to their own travel time, days, planned activities and other factors to choose the right insurance products.
Main points of family property insurance
During the National Day, in addition to personal safety, family property safety can not be ignored. Family property insurance can cover many responsibilities such as indoor property, indoor theft and robbery, and escort home property.
From the protection content, family property insurance mainly focuses on two aspects: on the one hand, for the family property itself, if the family property is lost due to fire and explosion, rain and water leakage, indoor burglary, pipeline leakage, etc., insurance compensation can be obtained; On the other hand, if a third party suffers personal injury or property loss due to fire and explosion, pipeline leakage, family members’ negligence and other reasons, the insurance company will also bear part of the liability for compensation.
In addition, when buying property insurance, you also need to see clearly the scope of insurance and the part that the insurance company is not responsible for compensation. A property insurance company clearly stated that houses and related properties used for business and production are not covered, and rural houses, self-built houses and small property houses are not covered. The structure of these houses can be inquired through certificates such as real estate licenses. "Any loss of property placed in the open air, unsealed balcony, outdoor public corridor or courtyard, but excluding the part of indoor household appliances installed outdoors", the insurance company is also not responsible for compensation. It is worth noting that family property insurance should also be insured in advance, and a family property insurance can take effect as early as the next day.
(Source: Jimu News)
Editor: Nan Nan
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