What insurance do people who travel a lot take, and what insurance do they generally buy when they g

What kind of insurance do you buy when you travel a lot? Traffic accident insurance is the primary consideration. Because business trips often need to take planes and high-speed rail, and Ping An traffic accident insurance provides accidental death and accidental disability protection when taking public transportation such as planes, trains (including high-speed railways and subways), ships, cars (including buses and taxis) as passengers, the protection content is relatively comprehensive, and the maximum amount of aviation accident insurance can reach 8 million, in addition to flight delay protection, for business travelers, such insurance is very suitable.

What kind of insurance do you buy when you travel a lot? For those people who are busy on the road all day long, in strange or unfamiliar places, often lack of appropriate defense and judgment of things, traffic accidents, fires, road robberies and other occurrences are more likely than usual, and the ability to deal with accidents after the accident is also weak, it should be said that accident risk protection is their first choice, in addition to the combination of some basic life insurance, accidental injury medical insurance. What kind of insurance do you buy when you travel a lot?

It is recommended to supplement the benefits of accidental disability and accidental medical treatment. Each of us has a responsibility to our family when we become adults, whether we are single or not, so protecting ourselves is actually a responsibility to our family. The following safeguards need to be considered:

1. You need to think about yourself because you often travel on business - accident insurance (to solve the medical expenses caused by accidents) 2. Your parents will train you to become a talent, and you must be able to take care of them at any time - life insurance (to solve the risk of illness or accidental death) 3. Today's social environment is polluted, work pressure is also high, and life and diet are irregular, resulting in serious illness and youth; At the same time, once you get sick, you need to spend a lot of money, and you may spend your savings and affect your family - critical illness insurance (prepare yourself for critical illness** and face the risk of illness calmly) Buying insurance is mainly to buy protection, because money has time value, and you can get the maximum protection with the least money. Because there are many products, and the product terms of each company are different, ** is not the same.

According to the principle of protection first and financial management later, people who often need to travel are more suitable for purchasing critical illness insurance, million medical insurance and accident insurance. If it is still the breadwinner of the family, then it is also necessary to allocate term life insurance.

1. Critical illness insurance.

Nowadays, in the case of increased work pressure, irregular life and diet. The probability of people getting sick is still quite high. If you unfortunately suffer from a serious illness, not only will your body be harmed, but your work income will also be affected.

Critical illness insurance is a benefit-based insurance, and during the protection period, if the insured unfortunately suffers from an illness agreed in the contract and meets the conditions for claims, the insurance company will pay a sum of insurance money according to the agreement. The use of this money is unlimited, not only to make up for the financial loss during the insured's illness, but also to the insured's later medical expenses and living expenses.

2. Million medical insurance.

If you unfortunately suffer from a serious illness, it is often difficult to afford hundreds of thousands or even millions of ** expenses for such people who still have a heavy burden on their bodies.

The million-dollar medical insurance with the characteristics of low premiums and high insurance amount is a reimbursement type insurance, which can reimburse the expenses within the scope of the contract according to the proportion agreed in the contract. Not only can it reduce the burden of serious illness** expenses to a certain extent, but also allow the insured to have the confidence to accept better medical conditions.

3. Term life insurance.

For frequent business travelers who are already the breadwinner of the family, it is also necessary to purchase term life insurance. Because this group of people often has a lot of family financial responsibility. If you pass away, the impact on the whole family is huge.

Therefore, term life insurance is necessary to transfer the financial risk caused by the unfortunate death of the insured.

4. Accident insurance.

People who often travel on business need to take planes, trains, ships and other means of transportation, and the probability of accidents is still quite high.

Accident insurance mainly covers accidental death, accidental dismemberment and accidental medical treatment. For medical expenses incurred due to accidental injuries, if eligible, you can be reimbursed on a pro-rata basis through accident insurance with accidental medical coverage. And in the unfortunate event of an accidental death, you can also leave a sum of money for your family.

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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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. People who often travel on business to buy insurance, need to be based on the actual situation, through the purchase of the corresponding accident insurance is not only convenient to operate, but also has a large choice. The following products are recommended for you:

Sunshine vehicle accident insurance all the way.

Lucky Life Annual Comprehensive Protection Plan.

I often travel and I want to buy a Ping An accident insurance, how do I buy it? I'm currently in the province on a business trip.

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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