How to buy personal travel accident insurance, how to buy personal travel accident insurance

First of all, when collecting information on travel places, clothing, food, housing, transportation, and customs, pay special attention to the local climate change at the time of travel planning. If the weather is bad during the travel period, you should consider purchasing a product with a higher sum insured. Secondly, when purchasing self-guided travel insurance, you also need to consider the local traffic conditions.

In areas with poor traffic environment, the probability of accidents is also higher, and domestic emergency medical assistance insurance needs to be taken into account, and the efficiency of emergency rescue of the insurance company also needs to be considered. Thirdly, it is also necessary to understand what you can do in the place where you travel. The group that chooses self-guided travel has relatively more impulsive factors in the body, and it is best to take into account the local characteristic risky play items for high-risk sports when purchasing self-guided travel insurance.

In terms of the purchase choice of personal travel insurance, you can freely configure the insurance period and amount of personal travel insurance suitable for you according to the length of the trip, the economic development level of the destination, and the type of travel items. There are two types of riders to keep in mind when applying for insurance:

Medical security: In general, the medical expenses of the United States, Japan and other countries with more developed economies are very high, and once you have an insurance abroad, you need to spend a lot of money on medical treatment, so you don't have to worry about the highest increase in the amount of medical insurance you can keep above 500,000.

Travel assistance insurance: It can provide assistance in arranging medical hospitalization, emergency medical evacuation, medical evacuation and repatriation, repatriation of remains, assistance in returning minor children, and relatives to deal with post-mortem security services. When choosing a product, it is necessary to pay attention to the content of the emergency rescue service specified in the product, as well as the network of overseas rescue companies around the world, and the service status of tourist destinations.

Personal travel accident insurance can be purchased through the following channels:

The first type: online investment in Lianglingbao.

There are two options for online insurance, one is to apply for insurance on the official website and the other is to apply for insurance on a third-party platform. If you apply for insurance on the official website of the insurance company, the policyholder generally only needs to log in to the homepage of the insurance company, register as a member, and then find the insurance product suitable for your insurance, fill in the relevant information, and click "Apply Now".

If you are applying for insurance on a third-party platform, you can compare the insurance products of multiple insurance companies at the same time, and find the most suitable insurance product for you by shopping around, which is more convenient and fast.

The second way: find an insurance person.

Looking for insurance people, you must find a more reliable, professional insurance person to buy travel insurance, only professional insurance people can be tailored according to the actual needs of the policyholder to tailor a reasonable insurance product. The policyholder only needs to fill out the insurance policy, and the insurance company will issue a certificate of insurance after receiving the premium, and the policy will take effect.

The third type: go to the ** institution to insure the insurance.

Insurance company Metropolitan.

The system is installed at the ** institution, the policyholder can pay the premium to the ** institution, and the ** institution will print the insurance certificate to the policyholder through the insurance company's system, and the policy will take effect immediately.

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The difference between personal travel accident insurance and travel insurance.

1. The protection content of personal travel accident insurance and travel insurance is different. Travel insurance is mainly for the legal liability of the travel agency due to negligence or negligence, and is not covered if the tourist himself has an accident. Personal travel accident insurance is mainly to compensate the insured after an accident occurred during the trip, it has nothing to do with the travel agency, regardless of whether the travel agency compensates, the insured can get compensation from the insurance company.

2. The restrictions are different. Travel insurance mainly includes two types of insurance: travel liability insurance and travel accident insurance, of which there is no age limit for travel accident insurance, as long as the accident occurs within the specified scope of the itinerary arranged by the travel agency, you can get compensation; There is an age limit for personal travel accident insurance, but the scope of compensation will be relatively wide, not limited to accidents that occur in the itinerary arranged by the travel agency, but also include insured accidents in self-guided travel, and the insured can also get compensation.

3. The mandatory purchase is different. Travel liability insurance is an insurance that the state mandates travel agencies to underwrite, while personal travel accident insurance is for consumers to decide whether to buy according to their own needs.

To sum up, personal travel accident insurance and travel insurance are mainly different in terms of protection content, restrictions and mandatory, but it should be reminded that travel insurance is mainly for the loss and injury of tourists caused by the liability of travel agencies, so it is necessary to buy an accident travel insurance for yourself when traveling.

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

Personal travel accident insurance can be purchased on the insurance company's official website or offline business insurance outlets.

1. The insurance company purchases, the policyholder brings the ID card to the insurance company's business point, the insurance broker will introduce its products, and the policyholder can choose the appropriate insurance for insurance.

2.Apply on the official website of the insurance company, enter the official website of the insurance company, log in after registration, and choose the appropriate insurance product to apply for insurance. Once you understand the insurance contract, the payment confirms the insurance.

4.Alipay to apply for insurance, pay attention to Ant Insurance, select the insurance purchase page, and apply for insurance after selecting the product.

5.Contact the insurance company** to apply for insurance. Generally speaking, the insurer or insurer of an insurance company can provide ** and consulting services.

Travel accident insurance purchase, as follows:

1. Choose according to the mode of travel, if you are an office worker, you can only go out to play on holidays, which is generally a short-term trip, and you can choose short-term accident insurance that matches the number of days of travel. If you travel a lot or go on business trips, you can consider accident insurance with a longer coverage period, which needs to cover traffic accident protection to make the coverage more complete.

2. According to the choice of the number of travelers, if the whole family travels collectively, you can purchase a travel accident insurance with the nature of "family card", which can protect the whole family and provide insurance liability protection for accidental injury and accidental medical treatment. If you are traveling alone, you can choose comprehensive accident insurance or travel accident insurance directly.

3. Different travel locations, the protection content of travel accident insurance needs to be different, if you travel abroad, choose travel accident insurance in addition to the basic overseas accident protection, you also need to have international emergency rescue protection, after all, there will be a language barrier in overseas travel, the destination is not familiar, once there is an accident is easy to ask for help, if there is emergency rescue insurance, you can provide protection for outbound travel. In the case of domestic travel, the main thing is to buy enough insurance amount, and if you have enough insurance amount, you can deal with enough risks.

4. You can choose to buy travel accident insurance through multiple channels, you can choose the official website of the insurance company, you can find an insurance person, find an insurance broker, and you can also apply for insurance on the Internet insurance platform.

Individual travel insurance can be purchased through the official website of the insurance company, the insurance person, the insurance broker, the insurance broker platform, and the offline outlets of the insurance company. Take finding an insurance broker to buy as an example:

1. Contact the broker through the insurance brokerage platform, or find a well-known person who knows Jingxu Qingji and inform them that they need to buy travel insurance.

2. Tell the insurance broker the travel time and destination, and the insurance broker will match the appropriate product according to the demand.

When purchasing travel insurance, you need to pay attention to:

1. Purchase travel insurance before traveling, and the coverage period can cover the entire travel period from the time of departure to the end of the trip.

2. Pay attention to the policy statute of limitations before applying for insurance, and choose the effective time of the policy when applying for insurance.

3. The content of the protection is selected comprehensively, to see whether it covers some special protections, such as high-risk activities protection, and what exclusions are included.

1. When the insurance company buys, the policyholder takes his ID card to the business office of the insurance company, and the insurance broker will introduce the operation of the product, and the policyholder can choose the insurance operation that suits him.

2. Run the insurance on the official website of the insurance company, enter the official website of the insurance company, log in after registration, select the appropriate insurance product to run the insurance, and after understanding the insurance contract, pay the money to confirm the insurance.

4. Alipay runs insurance, pay attention to Ant Insurance, select the insurance purchase page, and run the insurance after selecting the product.

5. Contact the insurance person to apply for insurance. The insurer of the general insurance company or the insurer of the insurance company can provide consulting services.

Personal travel accident insurance is usually divided into two types: domestic insurance and overseas insurance.

If travelling within the country, passengers should fully consider the mode of travel, the duration of their travel, the means of transportation they choose, and the conditions and conditions of the destination when purchasing personal travel accident insurance. If you are traveling for a long time, are traveling by car and have many uncertain factors during the trip, it is recommended to purchase insurance with a long number of days, a high sum insured, comprehensive coverage and rescue services; If the travel time is very short, the trip is relatively safe, and the distance is not very far, you can choose the insurance with a short number of days and a low sum insured, but be careful to arrange the itinerary so that the insurance period is enough to cover the entire trip.

If you are traveling abroad, you can consider purchasing personal travel accident insurance that includes both accident and emergency medical coverage to cover unexpected risks abroad. Because most of the tourists are not very familiar with overseas travel destinations, and the cost and risk of medical treatment in Muwan abroad are relatively high, it is particularly important to have comprehensive and high insurance for accident and emergency rescue medical treatment. In addition, passengers also need to consider the specific insurance requirements of the countries and regions they are travelling to, such as the Council of the European Union, which requires the purchase of accident medical insurance of no less than 30,000 euros and overseas rescue functions for national visas.

To sum up, personal travel accident insurance is usually divided into two types: domestic insurance and overseas insurance, which should be selected according to your actual travel needs.

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Summary. Dear, glad to answer for you! Here's how to purchase travel accident insurance:

1. The policyholder can directly purchase insurance from the offline business outlets, official websites and mobile phone software of insurance companies with travel accident insurance products; 2. The policyholder can also go to the outlets of qualified brokerage companies or official online channels to consult and purchase travel accident insurance; 3. The policyholder can also go to the third-party platform that cooperates with the insurance company to sell travel accident insurance products; 4. The policyholder can seek the help of the insurance company's account manager to purchase travel accident insurance products.

Dear, glad to answer for you! The purchase method of travel accident insurance is as follows: 1. The policyholder directly purchases the insurance from the offline business outlets, official websites and mobile phone software of the insurance company with travel accident insurance products; 2. The policyholder can also go to the outlets of qualified brokerage companies or official online channels to consult and purchase travel accident insurance; 3. The policyholder can also go to the third-party platform that cooperates with the insurance company to sell travel accident insurance products; 4. The policyholder can seek the help of the insurance company's account manager to purchase travel accident insurance products.

The definition of 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.