How to buy group travel insurance?

Many friends like to travel with their family and friends, and it will be very lively for a group of people to travel, but safety issues cannot be ignored. Many companies organize employees to travel together to enhance their sense of belonging. Some families occasionally go out for group travel as a family, although there are many people, but they also need to buy group travel insurance, so how to buy group travel insurance?

For some people traveling in a group, if you are planning to travel domestically, you can buy a domestic group travel insurance. Before purchasing group domestic travel insurance, you should first clarify the number of people traveling to see if it meets the criteria for buying group domestic travel insurance, which is generally more than 8 people. If the safety factor of the group travel route and destination is relatively high, you can buy a short-term accident insurance that covers the travel period.

In addition, if there are high-risk sports in the activity, you need to pay special attention to the coverage and buy a domestic group travel insurance that can cover high-risk sports.

If you are traveling abroad in a group, experts recommend that the team leader take out an overseas group travel insurance. When purchasing overseas group travel insurance, you should choose the insurance according to the country you are traveling to. If you are going to a country with an average level of medical care, the medical coverage of group overseas travel insurance is about 100,000 yuan.

However, if you are going to a country with a high economic level, the medical insurance amount of group overseas travel insurance is best more than 200,000 yuan, and if you go to a European Schengen country, you also need to apply for Schengen visa insurance.

Regardless of whether everyone is traveling collectively, although there are many people, it is also very easy to encounter risks, and a suitable group travel insurance is still very important. The actual number of days of group travel insurance must be greater than the number of travel days, and the coverage must include the entertainment activities that everyone will participate in.

Hello! Taking the company's employees on a group trip during the Spring Festival can certainly enhance the emotional exchanges between team members, which is conducive to team building, but the risk of traveling outside the home is extremely high, so it is best for you to take the initiative to apply for a suitable travel accident insurance before taking the team to travel, so as to improve your personal and property safety during the trip.

How to buy group travel insurance?

It is recommended that you choose reasonably according to the risk of travel, the consumption level of the destination and the specific protection needs of employees, and the most suitable one is the best. When applying for group travel insurance, you need to pay attention to the following aspects:

1. Based on the actual situation of travel accident insurance of various insurance companies, choose the most cost-effective and suitable product.

2. Choose the most simple and cost-effective insurance channel, more and more insurance companies have begun to test the water ** sales and network sales channels, compared with traditional sales channels, it provides the best advantages of travel accident insurance.

3. Online insurance customers provide a points system, and points can be exchanged for shopping coupons. If such a system is used well, the cost of travel accident insurance can be further reduced.

4. Look at the exemption clause when applying for insurance. It's best to choose the amount of coverage based on the situation of the destination you are travelling to. Pay attention to the duration of coverage of the travel accident insurance you purchase.

5. Group travel accident insurance is generally sold for a minimum of 5 people, and you can call 4006-366-366 for specific discount information.

If you want to take the company's two groups of domestic travel during the Chinese New Year, it is necessary to purchase group travel accident insurance for the team employees before departure. You can also call 4006-366-366 and we will recommend the right group travel insurance for your needs.

Travel with group tours must have travel agency liability insurance, but the scope of compensation is only the travel agency's negligence caused by the tourist's personal and property losses, and the travel agency's fault is very limited in the actual situation, such as tourists in the scenic area, due to the danger zone without a reminder sign and slip and injury, it is not the fault of the travel agency, but the "fault of the scenic spot"; Accidents that occur on hotels, trains, and Bixiang planes, as long as the tour guide is not directly responsible, are not covered by the liability insurance of the travel agency.

If you want to get more comprehensive protection, it's best to buy insurance for a group tour. Travel requires an individual to buy accident insurance. Before participating in a risky attraction or visiting a scenic area, find out if there is a certain amount of accident insurance included in the ticket.

The cost of personal accident insurance is divided into several levels according to the length of the trip, and the one-day trip is 3 yuan; 2-4 days tour 5 yuan; 5-7 days' tour 7 yuan; 10 yuan for 7-10 days tour, 1 yuan for each additional day above 10 days. Premiums range from $1 to $500,000. Overseas self-service travel insurance starts from 50 yuan to enjoy 24-hour emergency support, and the insurance amount is as high as more than 2 million.

Group travel insurance is purchased from the insurance company in the form of a group, and the protection liability is no different from ordinary travel insurance, which is more advantageous.

When purchasing group travel insurance, you should choose a group travel insurance product based on the destination and destination of your company's trip and the risks of your trip. When purchasing group travel insurance, it is important to carefully read the coverage and deductible liability coverage to avoid claims and legal disputes.

There are several ways to purchase group travel insurance:

1. Go to the sales counter of a professional insurance company to buy.

Consumers can go directly to the sales counter of professional insurance companies to purchase, and the insurance process is very simple, only the consumer needs to fill in the insurance policy on the spot. After successful payment, the insurance company will issue a certificate of insurance, which will be deemed to be effective.

2. Purchase through the insurance online platform.

Consumers can also purchase insurance through online platforms. After the consumer completes the application information and payment on the Spine Network, the insurance company will issue an insurance certificate or send it to the policyholder by email or SMS after the successful payment, which is deemed to be effective insurance.

3. Contact qualified individuals to purchase.

At present, many consumers have insurance policies that serve them, so consumers can purchase travel accident insurance through individuals.

4. Purchase through a qualified ** institution.

Finally, consumers can also purchase through a qualified ** agency. After the policyholder provides the insurance information and successfully pays the insurance premium to the ** institution, the ** institution will print the insurance certificate to the policyholder through the system of the insurance company, and the insurance certificate can be deemed to be effective after receiving the insurance certificate.

It should be noted that consumers must truthfully fill in all their personal information when filling in the insurance policy, so as to avoid the insurance company refusing to pay compensation when the insurance company is out of the insurance due to the wrong information filled in by the consumer, so that the consumer will bear unnecessary losses.

Test your anti-risk index, experts will interpret it for you for free!

The purchase of this type of insurance can be customized according to the protection needs, and at the same time, there are certain discounts on the premium, simply put, it is to find a more suitable product with a more favorable **. At the same time, in the process of customization, it is necessary to clearly inform some dangerous activities of the trip to determine whether the customized products can be covered. For example, if you travel to the Plains, you can buy insurance to protect against altitude sickness; For example, when traveling abroad, many people will participate in high-risk popular sports such as diving and skiing, and many insurance companies have launched corresponding insurance to cover these dangerous popular sports.

The amount of insurance must be bought sufficiently, some people are accustomed to buying the usual 100,000 accidents and 5,000 yuan of medical insurance, in fact, it does not play much of a role in protection, because people buy insurance is to be able to get compensation beyond their ability to pay, if the insurance amount is low, it is really a big deal, and it can not really play a role in protection, so it is recommended to buy travel insurance products whose accident amount is better than 200,000, and accidental medical treatment is better than 20,000, so that you can really rest assured.

Read the coverage and deductible in detail to avoid unnecessary claims disputes. It is recommended to purchase travel group insurance from a specialized insurance company, insurance company** or a third-party insurance company that can provide product comparison of multiple insurance companies, insurance product inquiry, insurance-related issues consultation, insurance claim knowledge introduction, wheel source trouble, etc. You can choose to apply for local local insurance.

May Day is approaching, and many people can't help but be excited. As the saying goes: there are three risks in a boat, and there will inevitably be some uncertain risks in a happy journey. Although you are very safety-conscious, you will have more peace of mind if you bring a travel insurance with you.

Insurance experts remind you that where there is a risk, you need to take an insurance amulet. Starting from this issue, the insurance version will launch a travel insurance series, and experts in the insurance industry will be invited to explain and advise you on how to choose the right travel insurance.

Group travel is currently a popular way for citizens to travel, so what kind of travel insurance is better to buy with group tours?

Personal accident insurance is preferred.

There are also a lot of unexpected risks associated with group tours. For example, natural disasters may occur during the course of tourism; During the journey, there may be a risk of accidental injury on the means of transportation; accidents at tourist attractions; Personal injuries may also occur during accommodation. Wang Tianfeng of Pacific Life Henan's branch advises tourists traveling with groups to purchase a personal accident insurance before traveling.

According to the relevant regulations of the state, regular travel agencies must be insured with travel agency liability insurance, and tourists can enjoy the rights and interests of the insurance once they participate in the travel activities organized by the travel agency. But in fact, the travel agency liability insurance is a "seat belt" for itself, which only covers the loss of tourists caused by the travel agency's own fault, and the travel agency and the insurance company are not responsible for compensation for the loss caused by various external accidents, such as natural disasters. In addition, the travel agency is not responsible for accidents that occur during free time.

Therefore, it is particularly important to purchase personal accident insurance. For personal accident insurance, travel agencies only recommend it to tourists, and it is not mandatory to purchase it.

Pursue maximum protection.

At present, there are many personal accident insurance products to choose from in the market.

When applying for insurance, be sure to look at the insurance liability of each insurance policy clearly. Wei Wanqiang, an expert from the Henan Insurance Industry Association, said. Because some products only cover accidental death, while others also cover accidental disability and accidental medical treatment.

He suggested that friends who are planning to travel should buy products that include accidental disability and accidental medical treatment, so as to get greater protection.

If you don't go out often, you can choose a short-term insurance product; If you go out often, you can buy a one-year accident insurance product, so as to avoid the trouble of buying in parts; If it is a short-distance trip, consumers can buy short-distance travel accident insurance, which includes two types of travel accident injury and travel rescue, with an insurance amount of 150,000 yuan and 50,000 yuan respectively, while the premium that tourists need to pay is only 20 yuan for 5 days and 30 yuan for 10 days.

Reminder. Tourists should be reminded that in the coverage of many personal accident insurance products, personal ** or property damage caused by high-risk activities such as rock climbing, rafting, diving, skiing, bungee jumping, surfing and so on is excluded.

In the event of an accident in a different place, tourists should quickly call the insurance company's service**, report to the insurance company's branch in the place of insurance, and the local company will quickly provide claim settlement services.

This article introduces the importance and necessity of travel insurance, introduces the types and characteristics of travel insurance, and finally, puts forward suggestions for purchasing travel insurance.

1. The importance of travel insurance.

Travel insurance refers to an insurance product that provides protection for travelers while traveling, which can provide comprehensive protection for travelers during the trip, so that travelers do not have to worry about financial losses in the event of an accident. Travel insurance can effectively help travelers cope with various accidents that may occur during their trip, such as accidental injury, illness, accidental loss, etc. In addition, travel insurance can also provide travelers with other services such as emergency rescue, emergency medical services, global safety advisory, and more.

2. The necessity of travel insurance.

Travel insurance is a necessary coverage that provides comprehensive coverage to the traveler, thereby reducing the financial losses that the traveler may experience while traveling. Travel insurance can provide travelers with comprehensive protection, including emergency rescue, emergency medical services, global safety consulting and other services, which can effectively help travelers cope with various accidents that may occur during their trip.

3. Types and characteristics of travel insurance.

Travel insurance can be divided into several types, such as travel accident insurance, travel health insurance, and travel comprehensive insurance. Travel accident insurance can cover the accidents that may occur during the traveler's trip, such as accidental injury, illness, accidental loss, etc.; Travel health insurance can cover the health problems that may occur during the traveler's travel, such as illness, accidental injury, etc.; Travel insurance is a comprehensive protection that provides travelers with comprehensive protection, including accidental injury, illness, accidental loss, etc., as well as emergency rescue, emergency medical services, global safety consulting and other services.

4. Advice on purchasing travel insurance.

Travel insurance is an essential guarantee for travelers, so you should pay attention to the following points when purchasing travel insurance:

1) Understand the types of travel insurance and choose the right insurance according to your actual situation;

2) Understand the coverage of travel insurance to avoid losses in case of unexpected situations;

3) Choose a regular insurance company to ensure the effectiveness of the insurance;

4) When purchasing travel insurance, make sure that the cost of the insurance purchased is reasonable and that the insurance company has a good reputation.

Travel insurance is an indispensable protection for travelers, and when purchasing travel insurance, you should pay attention to understanding the types and coverage of travel insurance, and choose a regular insurance company to ensure that the insurance cost is reasonable to ensure the safety of travelers during the trip.

This article focuses on the topic of "what travel insurance to buy for travel", introduces in detail the importance and necessity of travel insurance, as well as the types and characteristics of travel insurance, and puts forward suggestions for purchasing travel insurance.