What kind of insurance do people who travel a lot need to buy?

Hello! For people who travel frequently, the risk of personal accidents is much higher than that of ordinary people, so they also need more accident protection. To ensure your travels safely, you need to have the right accident insurance.

What kind of insurance do people who travel a lot need to buy?

For frequent business travelers, it is important to give priority to providing high-value vehicle accident insurance when purchasing insurance, depending on your husband's actual situation. If you don't have any other accident protection, then you can choose a relatively comprehensive accident insurance, preferably one that can include accident protection for various vehicles and other accident protection at the same time. If you already have some accident insurance, and you may often have to take a variety of transportation when you are on a business trip, then it is recommended that you choose a special insurance with accident protection for planes, trains, ships, cars, etc.

Here are a few things you need to pay attention to before you apply for insurance:

1. Pay attention to the scope of protection and the amount insured. The coverage of each product is different, and the amount of each coverage is also different.

2. Pay attention to choosing according to your actual needs.

3. It is more cost-effective to choose "annual plan" for the insurance period, and the longest period of 12 months is actually the most cost-effective, and the average daily premium is the cheapest.

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As a frequent traveler of buyers, what kind of insurance is more suitable for purchase?

1. Personal accident insurance: often on the go, the probability of accident risk is high, so priority should be paid to personal accident insurance. You can choose a one-year comprehensive accident insurance product to get more comprehensive protection with a lower premium.

When applying for insurance, it is better to have a low deductible and a high loss ratio in terms of accidental medical and hospitalization benefits.

2. Traffic accident insurance: On the basis of improving personal accident protection, you should consider purchasing high-value vehicle accident insurance, because you may often have to take a variety of transportation when you are on a business trip, it is recommended to choose insurance with accident protection such as planes, trains, ships, and automobiles.

3. Health insurance: Frequent business trips will disrupt life and dietary rules, which can easily induce disease risks, and buying health insurance can avoid this risk. When applying for insurance, you should clarify the coverage and check whether it includes daily hospitalization allowance compensation.

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What insurance to buy for a business trip mainly depends on the specific needs, and the recommendations are as follows:

1. Traffic accident insurance refers to the insurance paid by the insurance company in accordance with the regulations when the insured passenger suffers from an accidental injury accident caused by taking a passenger public transportation and suffers death, disability and medical expenses. Covering trains, planes, ships, cars, subways and other means of transportation.

2. Travel accident insurance is an insurance in which the insurance company assumes responsibility in accordance with the provisions of the insurance contract for the death or disability of the insured due to an accident during a business trip or travel during the insurance period, or other protection items within the scope of insurance.

3. Additional accident insurance refers to other insurance with additional accident insurance or accident insurance with other insurance liabilities. It has the characteristics of low premiums and high protection, but it usually cannot be purchased separately.

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If you travel frequently, you can purchase a combination of accident insurance and accident medical insurance.

Accident insurance is personal accident insurance, also known as accident or injury insurance, which refers to the insurance company to pay a certain amount of premium, when the insured suffers an accidental injury during the insurance period, and this is the direct cause of death or disability, the insurance company in accordance with the insurance contract to the insured or the beneficiary to pay a fixed amount of insurance.

Accident medical insurance is mainly to protect the insured for reasonable and necessary medical expenses caused by accidents agreed in the insurance contract during the insurance period, and the insurance company will bear the corresponding insurance payment liability according to the insurance contract within the agreed coverage and insurance amount.

Travel accident insurance, traffic accident insurance, comprehensive accident insurance, how to choose so many accident insurance?

Travel accident insurance and traffic accident insurance are mainly short-term insurance, as short as a few days, as long as dozens of days, while comprehensive accident insurance covers a relatively long time, generally one year, for ordinary office workers, you can first buy a comprehensive accident insurance as a guarantee.

If you often travel or travel, you can buy the corresponding traffic accident insurance and travel accident insurance, the leverage ratio of these accident insurance is very high, such as comprehensive accident insurance, only need more than 200 yuan a year Wang Jian can buy 500,000 insurance amount, people with general income can also afford it. Sleepy Changhe.

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