What Is a Travel Insurance Premium?

Travel insurance is a comprehensive insurance related to outbound travel. The initial stage is mainly for those traveling abroad for business or business. With the popularization of personal travel, it is now mainly covered for various risks in the process of individuals going on vacation. The insurance is responsible for the compensation of losses: personal accidents (death or permanent disability); medical expenses and other related expenses, such as corpse transportation fees, funeral expenses, etc .; for some reasons beyond the control of the individual, such as death , Illness, pregnancy, unemployment, accidents, court summons, etc. are forced to cancel or shorten the loss of holidays, such as the loss of deposits; loss of luggage, personal belongings, and money; personal liability; hospitalization costs; additional costs caused by late arrival of luggage; Additional costs caused by travel disruption due to traffic disruption; compensation for travel delays of more than 12 hours; loss caused by the failure of a travel agency; compensation for inconvenience caused by water or power outages; costs for lost passports, etc. The above-mentioned scope of liability may be increased or decreased according to the specific conditions of the traveler. This kind of insurance is mostly handled by travel agencies, and the insurance premium can be separately included in the total unit price of the tour group. ^[1]

Travel insurance

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Travel insurance is a comprehensive insurance related to outbound travel. The initial stage is mainly for those traveling abroad for business or business. With the popularization of personal travel, it is now mainly covered for various risks in the process of individuals going on vacation. The insurance is responsible for the compensation of losses: personal accidents (death or permanent disability); medical expenses and other related expenses, such as corpse transportation fees, funeral expenses, etc .; for some reasons beyond the control of the individual, such as death , Illness, pregnancy, unemployment, accidents, court summons, etc. are forced to cancel or shorten the loss of holidays, such as the loss of deposits; loss of luggage, personal belongings, and money; personal liability; hospitalization costs; additional costs caused by late arrival of luggage; Additional costs caused by travel disruption due to traffic disruption; compensation for travel delays of more than 12 hours; loss caused by the failure of a travel agency; compensation for inconvenience caused by water or power outages; costs for lost passports, etc. The above-mentioned scope of liability may be increased or decreased according to the specific conditions of the traveler. This kind of insurance is mostly handled by travel agencies, and the insurance premium can be separately included in the total unit price of the tour group. ^[1]

Travel insurance, that is, travel insurance, is for all accidental deaths and injuries caused by various accidents (except illness, surgery, suicide, chaos, professional sports competitions and intentional behaviors) that may occur during traveling abroad Protection is generally available for insurance company claims. Its characteristics are to ensure the safety of tourism, comprehensive responsibilities and high protection.

Tourist Accident Insurance

Traveling by car or boat is indispensable. The insurance period is from ticket check-in or mid-board to boarding and boarding, and ending at ticket check-out or mid-way. During the validity period of the insurance, if the tourist is killed, disabled or loses physical function due to an accident, in addition to paying medical expenses in accordance with regulations, the insurance company must also pay insurance money to the family members of the injured or deceased.

Travel personal accident insurance

Before traveling to the scenic area and experiencing the thrilling tourism project, it is best to choose voluntary travel personal accident insurance.

Travel insurance generally includes medical expenses, personal accidents, double compensation for accidents, emergency medical transport, repatriation costs, personal baggage, delayed baggage, cancelled trips, delayed trips, shortened trips, personal money and documents, and personal liability .

Travel personal accident protection

A pre-agreed amount is awarded for death or permanent disability caused by an accident.

Travel medical expenses protection

Medical expenses incurred due to accidents during the trip. Comprehensive travel insurance should include "international medical support" services. In case of a serious accident outside the country, the insured can enjoy the services of the international medical team; Most travel insurance only covers medical expenses caused by accidents, but there are also a few insurance policies that can also cover medical expenses caused by illness during the trip.

Travel personal property protection

Guarantee the financial loss caused by accidental damage or theft during the journey.

Personal legal liability protection for travel

During the journey, the insured is protected against claims for personal injury or property damage to a third party due to negligence. Due to different insurance companies

When the insured has an insured accident within the insurance coverage during the travel period, please call the 24-hour rescue phone or report phone of each insurance company as soon as possible.

Pay attention to claims: (Take an accident overseas)

buy what?

What kind of insurance amount to buy for personal accident insurance is mainly measured by the length of travel. Regardless of whether it is domestic or outbound travel, if the time is within 7 days or less, a personal accident insurance fee of 25 yuan shall be paid, and the insurance amount is 100,000 yuan. For lines of 8 days or more, an insurance fee of 50 yuan or more is required to increase the insurance limit.

When traveling products are purchased by a travel agent or self-driving tour, they can be purchased from a travel agent or an insurance company. You can also log in to the official website of each insurance company to purchase them, or purchase them in person at the insurance company's agents. "Air accident insurance" can be purchased at various ticket sales agents or airports.

How to buy?

1. Pay attention to the insurance period, such as 7 days or 10 days;

2. It is very important to pay attention to the scope of insurance coverage, what is covered and what is not covered, especially the exemption clause;

3. Pay attention to the amount of insurance. Some people think that the travel insurance is the same. In fact, sometimes the price is the same but the insurance amount is different;

4. The insurance amount must be sufficient. Some people are accustomed to the usual medical insurance of 100,000 accidents and 5,000 yuan. In fact, they do not have much protection because people want to get insurance beyond the scope of their ability to pay. If the insurance amount is low and a major accident really occurs, it will not really provide protection. Therefore, it is recommended that the accident insurance amount of the travel insurance product should be greater than 200,000, and the accident medical treatment should be greater than 20,000. Be truly assured.

5. Pay attention to purchasing convenient and fast travel insurance. Many things should be prepared for travel. If you spend too much time on insurance, it will cost a lot of time and people are tired and not very cost-effective.

6. After purchasing, you must pay attention to check whether the elements of the insurance policy are complete and correct, and whether the insurance information is complete. Generally, there should be invoices, insurance policies, insurance policies and insurance clauses for insurance application.