What kind of domestic travel insurance to buy? How to choose the best when choosing?

When choosing domestic travel insurance, it is necessary to judge which travel insurance is good from the real content of the insurance, and in general, a good travel insurance, it must include the following points:

1. Whether the insurance provides emergency rescue services. When the insured has an accident, whether it is in China or abroad, he can get the first rescue through the emergency rescue service. If you need to be hospitalized due to a sudden illness, the emergency rescue agency will send the insured person to the hospital as soon as possible.

2. Whether the insurance amount is flexible, only the flexible insurance amount can really provide protection for people. If the sum insured is too low, even if the insurance company compensates as required, the compensation will not play a big role.

3. The insurance must have a wide range of coverage, so that the protection can be comprehensive. Most travel insurance plans provide coverage for accidental medical treatment, accidental death, and more.

I hope you can choose the right travel insurance for you, and you are satisfied!

Depending on which one you need, choose personal travel insurance for personal insurance, choose overseas travel insurance when traveling abroad, choose insurance for the United States when you go to the United States, buy insurance for Europe when you go to Europe, choose self-driving travel related insurance for self-driving travel, choose mountain-related insurance for climbing, really have no concept, find an insurance **, click in to see their family's insurance type has a concept, such as Ping An Good Life Insurance**, domestic, overseas, group, individual insurance.

All members of a travel group organized by a travel agency or an individual traveler who are traveling within the country can participate in travel accident insurance as an insured person.

In domestic travel, it is good to buy safe accident insurance, a large company, a good reputation, and a straight trust.

If you want to travel in China, it is best to buy personal accident insurance, which is more cost-effective and the compensation amount is relatively high.

At present, travel insurance is mainly divided into three categories: accident insurance, emergency rescue insurance, and property insurance. Friends who want to buy travel insurance can consider China Property & Casualty Insurance's products.

Before I traveled last year, I bought a worry-free accident insurance from China Property & Casualty Insurance Company. Low premiums, high sum assured, and optional coverage periods. Ideal for short-term high-frequency travelers.

As the number of motor vehicles increases, so does the number of car owners. For many friends who like to travel by car, they will take three or five friends to go on a road trip every holiday. In general, the attractions on holidays are always crowded and prone to accidents.

At this time, insurance is very important. Do you know about insurance? What kind of insurance should I buy when traveling in China?

Traveling abroad is not only about people's safety, but also about car ownership. Collisions are inevitable when vehicles are driving, especially in mountainous areas with poor road conditions, which are more likely to cause accidents. Therefore, it is best to not do enough to do the three insurances, car damage insurance, and scratch insurance or increase the coverage of insurance.

What kind of insurance should I buy when traveling? In fact, there are some insurance plans specifically designed for road trips that can provide more coverage for road trips. Such as emergency towing, emergency quick repair, emergency tire change, 24-hour emergency rescue and other services.

At the same time, self-driving travel should not only ensure your own personal safety, but also pay attention to the safety of passengers. Therefore, the owner can choose to insure the people in the car with safety liability insurance or accident insurance to avoid worries.

Which insurance is good for a road trip?

1.Short-term cost-effective accident insurance.

Road trips are riskier and more demanding on people and vehicles than they usually drive. In response to this situation, insurance companies have developed special accident insurance during travel, and consumers only need to take out one accident insurance. In addition, when choosing a short-term travel insurance product, it is best to choose a product with a coverage period equal to or greater than the duration of the trip.

2.Commercial vehicle insurance and new equipment insurance.

Commercial insurance includes car damage insurance, three insurances, scratch insurance, etc. As for new equipment insurance, especially off-road vehicles, it is mainly considered to be insured, because off-road vehicles have a lot of additional equipment. If the extra equipment is damaged during the trip, the insurance company will not pay the claim, and the only way to prevent the loss is by purchasing insurance for the new equipment.

3.Liability insurance for people on board.

It's usually three or five friends who go on a road trip together, or have a carpool. However, once a major accident and personnel ** occur, it will inevitably lead to economic compensation disputes. Insured shipboard personnel liability insurance, responsible for compensating passengers for the actual loss of personal **.

The insured amount should be a multiple of $10,000. It has the advantage of not specifying a specific crew member, and if the returning crew changes, it does not need to be changed.

Hello, you should choose different insurance products according to different places of travel. For example, if you want to participate in diving or rafting, you need to buy some insurance products that cover high-risk sports. Here are some of the only related products recommended for you:

- Ping An Travel Accident Insurance (Section A).(General sightseeing insurance).

This product is a high-cost medical insurance product, suitable for customers who travel for short distances, including accidental injury, accidental medical treatment, acute illness medical treatment, etc. Short-term travel premiums of 1-3 days are the most affordable.

1. Accidental injury and acute illness death insurance of 100,000 yuan;

2. Insurance for accidental medical treatment and acute diseases such as heat stroke and acute appendicitis is 30,000 yuan;

3. The insurance for the repatriation of the remains is 3,000 yuan;

4. Medical expenses are deductible of 100 yuan, and 100% compensation will be paid.

AIG "Travel to China" Domestic Travel Protection Plan (Xiaosou Plan 1).(High Risk Sports Insurance).

As one of the most comprehensive outdoor travel insurances, it is fully suitable for almost all travel needs, providing 24-hour emergency assistance services.

1. Travel accident insurance is 200,000 yuan, accident medical insurance is 30,000 yuan, and hospitalization allowance is 50 yuan;

2. Cover altitude sickness, heat stroke and other acute diseases during the journey, insurance 1,000 yuan;

3. Provide 24-hour emergency rescue services; Covers accidental injuries caused by **** acts;

4. Special coverage for travel repatriation, travel kidnapping, illegal detention, and bank card fraud.

It's better to buy it anyway.

1. Domestic travel insurance products.

Generally, domestic travel insurance is a short-term accident insurance, which covers accidental injuries during travel, and some also include acute illness protection. Generally, if the traveler has purchased comprehensive accident insurance, it can be covered by the original accident insurance. If you want to increase the sum insured or increase the protection against the risk of acute illness during travel, you can purchase a separate short-term travel accident insurance to increase the value of the protection or supplement it.

In addition, if you are engaged in high-risk sports during the trip, such as rock climbing and diving, you must confirm with the insurance company personnel or professionals whether they are covered by the insurance.

2. Overseas travel insurance products.

Insurance companies mostly cooperate with rescue agencies, such as international SOS, and rescue agencies directly provide rescue services overseas, with higher coverage amounts and more comprehensive protection items, in addition to general accidental injury and acute disease protection liability, some types of insurance also attach such as baggage delay, flight delay, document loss and other protection responsibilities.

It should be noted that Hong Kong, Macao and Taiwan are not within the territory of the insurance company, so you should also buy overseas travel insurance when traveling to Europe in these areas.

Hope it helps

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If you are traveling in China, then the protection of a general accident insurance is also sufficient; However, for foreign travel, it is also recommended to purchase a travel insurance.

When buying travel insurance, there are three main points to focus on:

For example, a week's hospitalization in India may cost a few thousand dollars, but if you get sick in Europe or the United States, it may cost thousands of dollars to call an ambulance.

Therefore, it is important to choose the appropriate amount of medical coverage according to the level of medical expenses in your destination.

In a foreign country, I am not familiar with the road of life. If you have an insurance company's rescue service, at least you won't be at a loss in the event of an accident.

If high-risk sports are part of your travel plans, then choose a special travel insurance plan to cover them.

You can go through the terms of the insurance policy, or consult the customer service of the insurance company, to confirm whether high-risk sports are covered.

In addition to the above 3 points, there is also travel insuranceFlight delays, lost baggage, theft of property, personal liabilityand other guarantees, you can choose according to your needs.

Travel insurance is available from every insurance company, and it is recommended that you can buy it online, as it is cheaper to purchase travel insurance online.

When buying travel insurance, you must pay attention to four details:

First, when applying for travel insurance, you should fill in the insurance policy truthfully to avoid unnecessary losses caused by the insurance company refusing to pay when you are out of danger because of filling in the wrong information.

The second is to read the terms of the insurance clearly, before paying the premium, the insurer must be required to issue a complete insurance contract and read it in person, and the terms of the exemption scope, underwriting matters and claims should be fully understood.

Third, you should carry your insurance card or insurance ticket with you, and report the accident in time.

Fourth, it is necessary to fill in the beneficiary carefully. The main right of the beneficiary is to receive the insurance benefit in the event of the death of the insured in accordance with the agreement of the insured or the insured, according to the designation of the policyholder or the insured.

Purchase of insurance: accident insurance--- health insurance--- pension insurance--- investment and wealth management --- asset allocation.

The order of family members' insurance: adults first and then children; Guarantee the economic pillar first, and then ensure that there is no income. Because if the risk unfortunately occurs, whoever has more income will cause greater economic losses to the family, and the children have no income, so the losses brought by the family are smaller.

Generally speaking, the factors that determine the rate of insurance products are: predetermined mortality, disability rate, incidence, predetermined interest and predetermined expense rate. Each insurance company has its own data, each company's loss ratio is different, these data are provided to the reinsurance company, the reinsurance company has many companies' compensation data at the same time, when the data scale is large enough and the probability is large enough, the more accurate the data, so the randomness of the loss data of a single company is relatively strong, and the current loss data of each insurance company is ** in the reinsurance company, theoretically speaking, the products of each company are the same.

Nowadays, it is popular to buy insurance online, and you can go directly to White Pigeon Insurance to buy travel insurance for the world, with an average of yuan per day.