Which is better travel accident insurance? What is included in travel accident insurance?

Generally, travel agencies will have group accident insurance, but the coverage is not high. If you are traveling on your own or traveling a lot. You can choose a high-coverage type of insurance.

Because it is divided into short-term needs and long-term needs, the specific type of insurance needs to be designed for you according to your own actual situation. You can send me a private message. or add 42121056.

Hello, the insurance products of several large domestic insurance companies are trustworthy, if you are not sure which insurance company's products to buy, you can go to the third-party insurance online platform for comparison and screening. You can filter based on the following criteria:

1. Personal specific information: mainly including your age, travel location, travel period, etc.

2. Sum Insured Requirements: You can choose an amount of insurance that suits your actual situation based on the risks that may arise during your trip and the expected amount of coverage.

3. Scope of insurance: It is recommended that you consider the risks that may arise during the trip, and choose a relatively wide range of insurance as much as possible to insure, in addition, it is recommended that you choose the type of insurance with emergency rescue items to insure, so as to give your life a more comprehensive protection.

I hope it will help you choose travel accident insurance, and it is recommended that you go to a third-party insurance platform to screen and apply, and wish you a pleasant trip.

It's about the same, look at the multiplier, coverage and exclusions, and compare the amount.

Of course, it is cost-effective, comprehensive and high-insured.

Life is getting better now, and travel is increasing. Most trips will be covered with insurance. Then, the dangers of travel accidents include the following information about the dangers of travel accidents, I hope it will be helpful to you.

What does travel accident insurance include(1) Traffic accident insuranceTraffic accident insurance takes the body of the insured as the insurance target, and the insured suffers accident injury, death, disability, medical expenses, etc. while taking public transportation. It mainly includes trains, airplanes, ships, automobiles, subways and other means of transportation. (2) Personal accident insurancePersonal accident insurance refers to an insurance in which the insurance company pays insurance money to the insured in accordance with the agreement between the two parties if the insured dies or becomes disabled due to an accident and incurs medical expenses within the agreed time limit.

Coverage items are divided into death payments, disability payments, medical payments, and cessation payments. (3) Aviation accident insuranceIn aviation insurance, aviation accident insurance is the closest type of insurance to ordinary passengers, with a maximum insurance amount of 2 million yuan. The coverage period is within 180 days from the date of the accident.

Article 11 of the Measures for the Administration of Insurance Terms and Insurance Rates of Life Insurance Companies.

Traveler's Accident Insurance.

When you go out, you can travel by car and boat. The insurance period is from the time of ticket check-in or boarding on the train on the way to the exit of the station or getting off the ship on the way. During the validity period of the policy, the accident results in the death, disability or disability of the traveler.

Travel Personal Accident Insurance.

Tourists can choose whether to buy or not to buy the insurance according to the size of the safety factor of the tourism project. However, it is best to take out insurance when participating in the following tours: adventure tours, such as to the Grand Canyon, cave hunting adventures, to the desert, grass.

Tourist accommodation personal insurance.

During the insurance period, the passenger is killed, disabled or lost in physical function due to accidents, external attacks, ** or to protect the life and property of themselves or others, or theft or robbery of personal belongings.

Travel Emergency Rescue Insurance.

Jointly launched by insurance companies and rescue companies, tourists can call ** to get free assistance no matter where they encounter danger at home and abroad. The service of the original travel personal accident insurance will be expanded, and the traditional insurance company will be expanded.

Safeguard Liability. Travel accident insurance, which generally covers medical expenses, personal accidents, accidental double compensation, emergency medical evacuation, repatriation expenses, personal baggage, baggage delay, trip cancellation, trip delay, curtailment of travel, personal money and certificates.

Travel Personal Accident Benefit.

A pre-agreed amount is given as a result of death or permanent disablement caused by an accident.

Travel Medical Expense Coverage.

Medical expenses incurred due to accidents during the trip. A well-developed travel insurance policy should include "international medical assistance" services, so that in the event of a serious accident outside the country, the insured person can enjoy the services of an international medical team; For example.

Travel personal effects coverage.

Covers financial losses caused by accidental damage or theft of property during the trip.

Travel Personal Legal Liability Coverage.

Protection against claims for bodily damage* or property of a third party caused by the insured's negligence during the journey.

Travel accident insurance includes rescue insurance, passenger accident insurance, travel personal accident insurance, and lodging visitor life insurance. Different travel accident insurance has different insurance liabilities, and users need to choose the corresponding product according to the type and location of the trip. For example, if you are worried about being injured by an accident during travel, you can purchase passenger accident insurance or.

Travel Personal Accident Insurance".

There is no good or bad personal travel accident insurance, and it needs to be judged in combination with personal reality. Personal travel accident insurance not only includes accidental death or disability protection, but also adds accidental medical insurance, hospitalization allowance insurance, public transportation accident insurance, self-driving accident insurance, emergency rescue services and other insurance.

1. Be sure to read the terms clearly, pay attention to its coverage and liability exemption, not every product is guaranteed. It is very important to read the coverage of the insurance and what is and is not covered, especially when looking at the exclusions.

2. Choose travel insurance according to the risk of travel activities, if it contains high-risk sports, it is recommended to choose products that can cover high-risk sports.

3. The insurance amount must be purchased sufficiently, so that you can truly rest assured.

4. Pay attention to purchasing convenient and fast travel insurance.

As long as the policyholder has purchased an insurance product that covers accidental death and accidental medical benefits, then the product will not be bad. As for the choice of other additional insurance, it is recommended to consider it according to your own financial situation and actual needs, and only what suits you is the best.

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Which insurance company is good for travel accident insurance needs to be determined according to the specific situation, but the limb Huaishi can judge from the following aspects:

1.The size of the premium.

A large scale of premiums means that the insurance company's business is doing well and its income is relatively large. When insurance companies have money, they can better carry out other businesses and form a healthy operation.

2.Odds.

The profit of insurance companies mainly depends on the "three differences", that is, the difference between death, the difference between fees, and the spread of interest rates, and if you are interested, you can click here to understand: the most essential responsibility of insurance companies is to settle claims, and high claims can attract more consumers to invest in loose insurance. In principle, the higher the odds ratio, the more trustworthy the insurance company is.

3.Complaint rate.

When shopping online, we will look at bad reviews, and similarly, when buying insurance, we should refer to the complaint rate, because this reflects the overall service quality of the insurance company and the satisfaction of consumers to a certain extent.

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

Travel accident insurance can be purchased Chinese Insurance Company, Chinese Life Insurance, China Taiping Insurance, Ping An of China, China Pacific Insurance, Danshan China United, Sunshine Insurance, Huatai Insurance, New China Life, Taikang Insurance, etc.

Travel accident insurance refers to the insurance liability that the insurer should bear for the death or disability caused by an accident during a business trip or travel during the insurance period, or other protection items within the scope of insurance.

Chinese Insurance Group: Founded in 1949, Chinese People's Insurance Group **** is a comprehensive insurance (finance) company, one of the world's top 500 companies, and one of the largest insurance companies in the world.

Chinese Life: Chinese Life Insurance (Group) Company, a leading financial enterprise, is a state-owned super-large financial and insurance enterprise company. Headquartered in Beijing, it is one of the world's top 500 enterprises and one of the top 500 Chinese brands.

China Taiping Insurance: China Taiping Insurance Group Co., Ltd., founded in Shanghai in 1929, is a national insurance brand with a long history in China, the only Chinese financial institution headquartered in Hong Kong, and the first Chinese-funded insurance company in China's insurance industry to be listed overseas.

Ping An of China: Ping An Insurance (Group) Co., Ltd., founded in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial and insurance, banking, investment and other financial businesses.

China Pacific Insurance: China Pacific Insurance, formerly known as China Pacific Insurance Company, was established on May 13, 1991, and is a national joint-stock Yanqin commercial insurance company approved by the People's Bank of China.

China United: China Insurance is a joint venture of China United Insurance Group, founded on July 15, 1986, formerly known as the Xinjiang Production and Construction Corps Agricultural and Animal Husbandry Production Insurance Company, and is the second state-owned holding insurance company established in China after the People's Republic of China.

Sunshine Insurance: Founded in July 2005, Sunshine Insurance is one of the seven major insurance groups in China, one of China's top 500 enterprises and China's top 100 service enterprises, with a number of professional subsidiaries such as property insurance, life insurance, credit guarantee insurance, and asset management.

Huatai Insurance: Huatai Property Insurance Co., Ltd. is China's first national joint-stock property insurance company, formerly known as Huatai Property Insurance Co., Ltd., which was established in 1996 and was initiated and established by 63 large enterprises and enterprise groups in Beijing in 1996.

Xinhua Life Insurance Co., Ltd., founded in September 1996, is a state-controlled listed life insurance company and a directly managed enterprise of China Investment Corporation. It has subsidiaries such as Xinhua Asset Management Co., Ltd., Xinhua Home Pension Enterprise Management (Beijing) and Xinhua Excellence Health Investment Management.

Taikang Insurance: Taikang Life Insurance Co., Ltd. **** is a national, joint-stock life insurance company established on August 22, 1996 with the approval of the head office of the People's Bank of China, headquartered in Beijing.

The comparison of travel accident insurance products can be seen from the following aspects:

1) To understand the specific insurance rental responsibilities, according to your actual needs to buy. Whether you choose to travel by car or in a group, domestic or overseas, when you buy travel accident insurance, you must choose according to your travel needs, not a "big and complete" product. For example, if you go out to play and participate in high-risk sports, such as skiing, rock climbing, etc., you must buy targeted travel accident insurance, that is, when you buy travel accident insurance, you must carefully read the insurance terms and make sure that the product you buy covers these high-risk sports, otherwise you will lose the meaning of buying travel accident insurance.

However, if it's just a normal game, don't choose the option with high-risk sports, which will reduce unnecessary spending.

2) To purchase travel accident insurance, you must be seated. If you are traveling abroad, you must choose an insurance plan with a global emergency rescue function when buying overseas travel insurance, which can save lives at critical moments.

3) Online insurance is more cost-effective. Nowadays, there are many insurance online sales platforms, and it is more convenient and fast to apply for insurance. Online travel accident insurance is more cost-effective, especially when they have ** activities, it will be more affordable.

In addition, there are two kinds of insurance sales, one is the official of the insurance company, and the other is the insurance agency, such as the happy insurance network or the insurance network, etc., many ** sell a number of travel accident insurance products, you can compare more.

4) Be sure to check with the insurance company for the detailed claim process when applying for insurance. If you are buying domestic travel accident insurance, it is important to remember the customer service of the insurance company**. If you're traveling abroad, be sure to remember your policy number and emergency assistance**.

In addition, in case of insurance, you must remember to keep the relevant bills and vouchers required for the claim.

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Travel abroad accident insurance can choose traffic accident insurance. Domestic and international flights are covered, and trains, cars, and ships are also covered. This is the most basic accident insurance you need to buy when traveling abroad, and if you want more protection, you can choose some insurance related to traveling to the cave.

There are currently two types of traffic accident insurance in the market, one is short-term traffic accident insurance and the other is comprehensive traffic accident insurance.

Short-term insurance has a minimum insurance period of only 1 day and a maximum of 1 year, and the coverage can cover all types of vehicles with defibrillation, the cost is low, and the main insurance liability is limited to death and disability. What is more user-friendly is that the policyholder can choose the project that suits him in various means of transportation.

For example, the means of transportation involved in your trip are limited to planes and cars, so you don't have to choose in terms of train and ship protection, and the advantage of traffic accident insurance is that you have targeted protection.