What's the best insurance for travel in 2018?
4hw.com.cn: friends who often travel know that in order to protect their own and their families' safety, they need to buy all kinds of accident insurance and rescue insurance. This is an attitude of being responsible for themselves and their families. However, there are many kinds of travel insurance. What kind of insurance should they buy? Let's have a look.
Travel accident insurance
When passengers buy tickets or ship tickets, they actually have already invested in the insurance. The premium is calculated according to 5% of the ticket price. The insurance amount of each insurance is 20000 yuan, including 10000 yuan of accident medical fund. The insurance period starts from the time when the ticket is checked in or boarded midway to the time when the ticket is checked out or disembarked midway. So when you travel by car or boat, you can claim for compensation from the insurance company once you are out of danger.
Tourism rescue insurance
This kind of insurance is very suitable for traveling abroad. With its guarantee, once tourists have an accident or are not familiar with the local customs and regulations, they will get free help as long as they call.
Tourism assistance insurance
China Life Insurance, China Pacific Insurance and the international rescue center jointly launched the tourism rescue insurance, which expanded the service of the original travel personal accident insurance, and extended the general post claim settlement of traditional insurance companies to provide timely and effective rescue in the event of an accident. In case of danger, as long as you call the relevant number, you will get free assistance.
Travel personal accident insurance
This kind of insurance is suitable for the tourists who take part in adventure tour, ecological tour and adventure tour. This kind of insurance costs 1 yuan each, and the maximum amount of insurance is 10000 yuan. Each tourist can buy up to 10 insurances. The insurance period starts from the time when the tourists buy insurance to enter the scenic spots and scenic spots, until the tourists leave the scenic spots and scenic spots.
Life insurance for accommodation tourists
This kind of insurance is 1 yuan each. It starts from 0:00 on the day of accommodation. The insurance period is 15 days. After the expiration of the insurance period, it can be renewed. Each tourist can buy more than one. The main guarantee provided by this kind of insurance is 5000 yuan for the accommodation passenger, 10000 yuan for the accommodation passenger to do good deeds, and 200 yuan for the compensation for the accidental damage, theft, robbery and loss of the passenger's belongings.
Relevant people also remind tourists that the personal accident insurance for tourists is a compulsory insurance restricted by the National Tourism Administration in the form of departmental rules and regulations. When tourists travel with travel agencies, they must be clear about the insurance rights they should obtain.
When dealing with travel insurance, we should choose the type of insurance according to our actual situation, not the more the better. For example, the type of tourism medical insurance is compensatory insurance. It is not wise to pay more premium if it forms excess insurance.