To buy domestic travel liability insurance, travel rescue insurance is essential.
Travel aid insurance has been deeply rooted in people's hearts abroad. In Japan, people will not travel without the protection of this rescue plan. In China, China Merchants Cigna launched domestic travel insurance, which was welcomed by consumers. This insurance expands the service scope of the original personal accident insurance for tourists, extends the general claims of traditional insurance companies, and becomes timely and effective assistance when accidents occur. At present, there are more and more opportunities for China people to travel. When you have an accident or sudden illness in a strange environment, if you have this kind of travel rescue insurance, you will get free assistance as long as you call. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Buy domestic travel liability insurance and passenger accident insurance.
Traveling by car or boat is essential. The insurance premium of accidental injury insurance for passengers in vehicles and boats has been included in the fare. Passengers are actually insured when they buy tickets, and the premium is calculated at 5% of the fare. The insured amount of each insurance is RMB 20,000, of which the accident medical fund is RMB 65,438+0,000. The insurance period begins when you check in or board the ship halfway and ends when you check out or disembark halfway. During the insurance period, if a passenger dies, is disabled or loses physical function due to an accident, the insurance company shall pay all, half or part of the insurance amount to the injured person or the family members of the deceased in addition to the medical expenses as required. However, if the passenger's own reasons, such as suicide, illness and so on, lead to death, disability and so on. Insurance companies are exempt from liability. Passengers should be reminded that when traveling by car or boat, they should pay attention to their rights and interests once they are out of danger, because they have been insured when buying tickets.
Buy domestic travel liability insurance and travel personal accident insurance.
Go to the scenic spot and witness the thrilling tourism projects. When you want to experience those passions, but you feel palpitation, you can choose to take personal accident insurance voluntarily. At present, the insurance company provides this type of insurance, with a premium of 1 yuan per share and an insured amount of 1 10,000 yuan. You can vote 10 at most once. The insurance period begins when you buy insurance and enter tourist attractions or scenic spots and ends when you leave. It is best to buy insurance for adventure tours, eco-tours and adventure tours.
Matters needing attention in insuring domestic travel liability insurance
Although the compensation scope and amount of domestic travel insurance are relatively large, you need to study its precautions in detail when choosing insurance to avoid unnecessary troubles in the later claim settlement process.
First of all, before you take out domestic travel insurance, you should read the insurance period and coverage carefully to find out whether it is 7 days, 15 days or one month. Secondly, we should pay attention to the amount of insurance, because travel insurance varies according to the amount of compensation. And you must buy enough insurance money before you travel. Because if you choose to travel long distances and choose to buy accident insurance of 6.5438+10,000 yuan and medical insurance of 5,000 yuan, it will not have much good effect. At this time, you need to choose the amount of insurance according to the actual situation. Thirdly, we must pay attention to the convenience and rapidity of buying insurance before buying, and keep insurance policies, invoices and other bills well after buying to avoid unnecessary troubles in the future.
What needs your attention here is that the coverage of domestic travel insurance does not include Hongkong, Macau and Taiwan Province Province. If you want to travel to the above three places, you need to buy the corresponding travel insurance. It is precisely because many travelers ignore this point that travel insurance compensation cannot be paid and compensated quickly.