Tourism liability insurance and travel accident insurance

Where differences between the two insurance »
"11" holidays approaching, is also catching up with the Mid-Autumn Festival, tourism became the people a good way to relax. At present many people still choose from tourism and tours, travel insurance is indispensable. Phone call from a reader yesterday asked the emerging tourism liability insurance and travel accident insurance over the past What is the difference in the end it » This is also a lot of people are concerned about the issue.
According to the travel agency industry, the largest difference between two points: tourism-liability insurance is mainly because of the negligence of travel agencies and tourists fault caused by the personal and property losses, and travel accident insurance refers to the way in tourism insured attack or disease Accidental injury is responsible.
Tourism is the mandatory liability insurance-travel agencies, and travel accident insurance is voluntary security of tourists, travel agents if the tourists travel agency commissioned by the accidental injury insurance company claims, then if the fault is their own travel agents on regardless, unless you want to insure themselves Accident insurance claims to be.

The purchase of overseas travel insurance should pay attention to what

By the end of 2004 triggered by strong earthquake in the Indian Ocean tsunami, in just a few minutes to create a huge human tragedy, natural production and daily life to the people to disaster, while another wake-up call for all sectors of society outside the travel insurance Attention. During the holiday season, many rich people in China outbound tourism planning, insurance and they have also become necessary for the safety of trips, the reporters on outbound tourism to take out insurance issues need to interview a number of industry professionals.
Professionals told reporters, accompanied by the Chinese people and increase the frequency of trips may choose the place of trips to increase, the corresponding rate will also increase the Chuxian, the people should improve the cognitive function of insurance coverage, choose a powerful security, Resistance unpredictable risks. For tourists, the most important thing is to be based on its needs and economic conditions, the appropriate, science and take out travel insurance.
Travel insurance on the current existing problems, professional analysis: the vast majority of visitors currently weak sense of self-protection, tourism in the risk of inadequate understanding, feel lucky; would also save money so that many people do not want to buy; types of small, select Room for small, insurance and tourism can not be tolerant of tourists in all kinds of risks encountered in addition, the insurance immature network also makes many visitors gave up on their own protection.
Professionals to remind the majority of tourists, should not be considered a travel agency to buy liability insurance will be able to sweep everything, from travelling abroad to buy a "travel agency liability insurance , in fact, the majority of tourists to travel agents insurance, "travel agent liability insurance" and individual tourists Insuring "travel insurance" and there is no clear understanding that the travel agency was explicitly set out in the quotations on the "travel agent liability insurance" have all kinds of accidents with tourists in the insurance liability. In fact, the "travel agents liability insurance," mainly by the travel agency responsible for the loss of tourists and compensation for harm, by force majeure, such as earthquakes, tsunamis and other natural disasters brought about by tourists and personal property losses, are not in the scope of its responsibilities. Tourists in the tourist itinerary, from their own illnesses caused by all kinds of loss or damage due to personal negligence led to the tourists personal injury and property damage and the resulting fees, are not "travel agent liability insurance" payment Range. Individuals who buy travel insurance completely different - as long as it is agreed in the contract of the accident, whether it is due to travel agencies the responsibility of individual mistakes, or because of other types of emergencies, customers can get protection.
For consumers the choice of insurance should pay attention to travel outside of what these professionals generally recommended, mainly in four areas: First, keen to travel outside of the trips must be considered before an accident and emergency relief, including medical double Travel outside the security risk. As tourists on the choice of trips are not very familiar with the place, accidents and emergency medical protection to double it is particularly important, a double protection will be more conducive to foreign tourists deal with unexpected risks in foreign countries, protect the quality of trips.
Second, we should give full consideration to purchase insurance protection period. Tourists should be in accordance with their own tours, according to the required number of days and the amount insured, as their choice of a tailor-made policies.
Third, we need to seriously understand the content of emergency services and to provide the service outside the company's rescue services. Including companies outside the relief agency network in the world, in the tourist destination of the service status. Fourth, the plan to the European Schengen countries of tourists travel to pay special attention to the amount of insurance. According to the EU Council, from June 1, 2004, for travel medical insurance is a Schengen visa issued by the basic premise, and a guaranteed minimum amount of 30,000 euros. Some tourists had to buy because the amount of foreign travel insurance protection less than 30,000 euros, and had to purchase insurance.

How to choose travel accident insurance

Travel in the accident Fangbushengfang, the need to purchase insurance, to resolve worries. Then, the various ways to purchase travel accident insurance? » Optional accident insurance, we must first accident of its own for the probability of a risk rating.
The highest risk rating category, is engaged in high occupational accidents in the crowd, such as drivers, flight attendants, and so on. As the crowd professional reasons, a higher probability of the accident, insurance companies, the corresponding rates will be higher than ordinary standards, and some have even been included in the Jubao object. For this part of the general staff, in addition to the units of the insurance policy, specific vocational classes, but also a good choice. For instance, drivers can buy peace "green channel."
There is a category is "Flying trapeze," that is, the office staff, their job itself may not be high risk, but frequent use of aircraft, trains and other modes of transport, the accident probability is relatively high. Accident insurance in the choice of the time, we must especially focus on accident-fold in the terms of payment. Jinsheng Life to the fold in terms of payment as an example: When a customer to use as passenger aircraft, in addition to the public transport accident injuries, according to two times the amount of compensation, and the use of aircraft incidents will follow three times the amount of compensation . Often more than 100 yuan to get the maximum protection of dozens of million of the accident. Compared to the 20 yuan each time the special insurance, such insurance scheme obviously much more economical.
In addition to these two types of long duration, the risk of accidents of relatively high levels, there are many people in the risk of accidents will increase within a certain time period, particularly the holiday season, the trips "tourism enthusiasts." Accident insurance when it is necessary to insure the protection of the time and form of payment according to the actual needs of a sub-design. There is a "worry-free holiday," the insurance, usually to provide basic security, on holidays, to protect high over several times. In addition, before the trip, according to the situation trip travel accident insurance policy holders, but also a better choice, cheaper cost of protection, and it covers the travel costs during the accident compensation. If it is like self-driving trip, you can choose a self-driving times the payment terms of accident insurance. For example, the livelihood of the "sunshine journey," as pilots, drivers of private car traffic accidents, according to the company to double the amount of the payments.
Comparing with the previous three categories of people, more people go to work every day feel at ease, occasionally trips once, the accident probability is relatively small. In the life insurance surcharge directly behind several of the additional compensation for accident insurance, organizations do not have to be a separate accident insurance protection scheme. If the use of public transport to work, coupled with a public transport times the insurance payment, of course, have to pay attention to whether they cover the Light Rail and the MTR. Trips, to purchase adequate travel accident insurance. Combining the two can meet the basic need to guard against the risk of accidents has.
Since the vast majority of accident insurance are all types of consumption, it's time to insure comprehensive measure of the probability of the accident, in order to choose the most suitable for their own security situation of the programme, really be used not only not indispensable, but also to avoid Repeat accumulation of excessive consumption. Related links:
Accident insurance can basically be divided into three categories: The first is the accidental death or disability insurance, which derived a transport accident insurance, travel insurance, personal accident insurance, and other comprehensive accident insurance; second category is medical accidents Cost of insurance, the policy holders because of accidents caused by patient or out-patient costs for payment; third category is the accident hospitalization subsidies, the policy holders because of the accident by the number of days hospitalized for subsidies. After the two types of compensation for the cost of nature, normally in the form of additional risk.

You are outside the travel insurance must not forget

Summer, not only students of the summer vacation time, is also working on arrangements for the vacation period. Summer travel is, of course, the best way to a vacation. However, on tourism, after all, are likely to face a lot of accidents, unpredictable risks greatly increased. If the effective transfer of risk, in addition to your heart more practical, more in case of unexpected situations calmly deal with. Therefore, to confirm in front of their own insurance, and to complement the relevant insurance is essential.
Now the company introduced more types of travel insurance, the terms vary. But basically, can travel insurance can provide protection to the three categories as, first aid protection, and the other is personal injury protection, there is a damage to property protection:
A travel security assistance
Throughout the period from tourism, encounter problems or incidents can be effective assistance. Some insurance companies and international relief organizations to launch the rescue services of additional travel rescue insurance, general insurance companies will later claim extended forward into the accident occurred when a timely and effective relief. Travel abroad more and more people, when you face language barriers in an unfamiliar environment, or when the accident occurred due to local regulations and who do not give rise to legal disputes, if such a travel rescue insurance coverage, just call , Will have access to free aid.
B personal injury protection
For travel in different stages, namely the travel by public transport, aviation accident insurance, accommodation during the stay at accident insurance, tourist attractions play in the tourism personal accident insurance, and other different types. Visitors as a result of accidents caused passengers killed, maimed or loss of bodily functions, provides insurance companies Except for medical expenses, but also to the victims or families of the deceased to pay compensation. There are accidents Double Indemnity: If the insured at their own expense, using public transport or travel by private car was a serious accident, the insured will receive double the amount of compensation.
C damage to property protection
For travel in damage to property caused by the accident, to the insured's compensation. For example: emergency medical transportation, back to the cost; personal baggage of lost property damage, baggage delay, trip cancellation, trip delay, shorten the journey, and so on accidents, insurance companies are to provide compensation. There are also personal liability insurance: if the insured person for personal negligence causing physical damage or damage to property should be held in accordance with the law and the economic liability, insurance companies can defer compensation.
For their own travel, everyone has their own idea, will choose to leave the country, mission, self-help, self-driving, and so in different ways and different destination, buying insurance should be selected according to specific circumstances. For example, overseas travel, including foreign aid should choose the insurance; YOU should choose the self-help personal safety and property insurance have more protection. And the accompanying tours, travel should be the signing of the contract, the travel agent to confirm whether or not you on the on insurance, personal injury insurance because tourism is tourism management departments should be mandatory for travel agents on the types of visitors, other supplementary insurance, you can As required to choose.

Three trips before the purchase of insurance attention

And to the summer, many students and teachers to use holiday travel; recently, many units also organized short-term staff to domestic and international travel. Play out, security is the first one, so trips before Maihao insurance is necessary. Experts advise, before trips to buy insurance has three major note. Travel agents liability insurance is not the five-tourists travel insurance options
Travel agents liability insurance of liability insurance areas, security is the travel agency rather than tourists. The main purpose of travel agents liability insurance, to the responsibility of the tourists and travel agencies a clear distinction between responsibility. Travel agents liability insurance for travel agents to the travel arrangements, are not within the scope of insurance, such as insurance companies expressly provides that the travel agents organization car racing, horse racing, rock climbing, gliding without power, adventure and rafting, scuba diving, alpine skiing, skateboarding , Parachuting, hot air balloon, bungee jumping, surfing high risk activities caused by personal injury or property damage no compensation. Visitors to get real protection needs of their own to buy travel insurance.
At present the travel insurance for tourists generally divided into five types. Trips may be in accordance with their own specific situations choose to buy.
Passenger accident insurance is more familiar with all of its main means of transport for tourists in the trip by providing risk prevention services.
Personal insurance visitors stay at one yuan each, each can be purchased a number of tourists. Such insurance to provide protection to include not only during the stay at the personal safety, but also carry the materials.
For thrills and participate in the Adventure Tour of tourists, should be the best person to take out travel accident insurance, such insurance premium for one yuan each, the insurance amount of up to 10,000 yuan, all tourists to buy up to 10 insurance.
Travel insurance and travel assistance to travel abroad for help insurance is very appropriate. With it the protection of tourists in case of accident or ignorant of local customs and regulations because of the legal disputes arising from, as long as the call will be free of relief.
In addition, consumers in the travel period for any reason interrupted or canceled travel, travel insurance can also travel agency responsible for the breach of the compensation.
Accident insurance does not cover all accidents must be clear Disclaimer
Miss Lin recently to be with friends to mountain climbing, because this year have bought personal accident insurance, personal accident insurance that Miss Lin should include all the accidents, so trips before the insurance is no longer intends to buy the other. Insurance lawyers pointed out that, in fact, Miss Lin's idea is wrong. General personal accident insurance does not cover high-risk activities. If we jumped in the class, rock climbing, mountain climbing, skiing high risk activities, is likely to receive no compensation after the accident. Various insurance companies because of "exclusion" column will usually have such a provision: "If the occurrence of the accident by reason of the following one or more of the result, the Company assumes no responsibility to pay insurance money" , Including the "insured person engaged in diving, parachuting, bungee jumping, rock climbing, expedition, wushu, wrestling, stunts, horse racing, high-risk sports car," this one.
Lawyers advise: in the purchase of insurance must be clear on the terms, such as the responsibility of the insurance provisions, in particular the "exclusion" clause. Travel insurance only pay for medical expenses "terrorist risks" to be developed
London shortly before the two explosions, so that the country intends to travel a bit more of the people of terrorism beware. It is learnt that the general travel insurance plans do not cover terrorist attacks caused the deaths, but the insured can claim because of the terrorist attacks led to medical expenses.
The industry to remind the public that the general Life, travel, accident insurance, no compensation for the victims of terrorist attacks, for visitors to the high-risk areas, should additional compensation will purchase a designated terrorist attacks of insurance. However, China's also not true that "terrorist risks" products, relevant content only in the individual insurance contracts reflected.

Tourist trips to buy four types of insurance

The insurance industry believes that the general tourist trips to buy four types of insurance: travel insurance such insurance is a relief of all domestic insurance companies generally offer the insurance, the insurance companies with the international launch of the Joint Rescue Center, both in domestic and foreign tourists encountered any place Dangerous situation, the call can be obtained free of charge assistance.
Passenger accident insurance for this type of insurance mainly tourists travel by vehicle to provide risk prevention services, tourists buy tickets and tickets in the amount of 5% for insurance, the insurance amount for each insurance for 20,000 Yuan, of which 10,000 yuan the accident of medical blunders, from the period of insurance or stop half-way ticket on board ship, visitors have been to the half-way ticket to stop or get off disembark.
Travel personal accident insurance to participate in Adventure travel and thrills tourists to buy the best, such insurance premium for one yuan each, the insurance amount of up to 10,000 yuan, all tourists to buy up to 10 insurance. Insurance for tourists to buy insurance from entering tourist attractions and scenic areas from the time when visitors to leave until the attractions and scenic areas.
Tourists stay at personal insurance such insurance for each one yuan, from the stay at 0:00 on the date of the insurance period of 15 days, after the expiry of the renewal, each visitor can buy a number of such insurance protection provided by the main passenger accommodation Insurance 5,000 yuan, visitors stay at 10,000 yuan Xianyiyongwei insurance, portable items for the visitors was accidental damage or theft, stolen, lost 200 yuan in compensation.
The person concerned also reminded visitors, tourists personal accident insurance by the national tourism administration departments to be bound by rules and regulations in the form of mandatory insurance, in line with tourists trips, travel agencies, must clear their own insurance should be given the right.

Golden Week: Do not buy travel insurance Xianjin Misunderstanding

People buy travel insurance when there are some errors.
Misunderstanding 1: simply rely on travel agents. Experts point out that travel agencies are forced to buy the state of the travel agency liability insurance, it refers to insurance companies to travel agencies engaged in business activities in tourism, travel agencies because of the negligence or fault, resulting in its reception of the tourists suffered economic losses, but should From the responsibilities of travel agencies, to compensation from insurance companies bear the responsibility of insurance. When the accident is not related with travel agents, tourists will not be able to get this travel agency of any liability insurance protection.
Mistakes 2: The average personal accident insurance cover all the accidents. It is learnt that the personal accident insurance generally does not include high-risk activities. If we jumped in the class, rock climbing, mountain climbing, skiing high risk activities, is likely to receive no compensation after the accident.
Misunderstanding 3: on the general insurance on the vehicles no longer on the other insurance. General insurance on the car by a third party liability insurance and vehicle insurance losses, while the safety car will not be able to protect such insurance, therefore, before the trips should be fully taken into account the possible occurrence of the accident, according to the needs of the insured vehicles such as The personnel on the risk, so as to more effectively with the driver and vehicle insurance protection.

Attention travel insurance

★ the application is filled out

Internet must fill out the application correctly filled out so as not to fill out the wrong message because the insurance companies in Chuxian but when Jupei, causing unnecessary losses.

★ see insurance terms

Many policyholders only know that the tourist group from the travel agent insurance risk and insurance policy holders do not know the scope of responsibility, did not clarify the muddled for the security.

★ is not a better security

Select a certain number of insurance types of insurance, have more natural protection, but the travel medical insurance is more than the compensatory insurance-insurance excess to pay a premium on the ill-advised.

★ to the accident should promptly notify

Insurance companies based on "Insurance Law" Article 21 stipulates: the insured, the insured or insurance beneficiaries know that after the incident, he should promptly inform the insurers. Therefore there should be timely after the report.

On the types of travel insurance

● travel insurance relief

Rescue group travel insurance Taikang Life Insurance Co., Ltd. (No. 007-871)

● travel personal accident insurance

Travel safety insurance company Pacific Life Insurance (# :003-91)

Travel accident insurance Taikang Life Insurance Co., Ltd. (No. 007-878)

Overseas travel personal accident insurance Pacific Insurance Company (# :003-884)

Overseas travel personal accident insurance additional emergency medical treatment Pacific Insurance Company (# :003-883)

State TING travel accident insurance

China Life Insurance Company (# :002-906)

Jinsheng travel accident insurance Jinsheng Life Insurance Company (# :015-942)

● tourist attractions accidental injury insurance

Tourist attractions visitors Personal Accident Insurance Pacific Insurance Company (# :003-87)

State TING tourist attractions, entertainment personal accident insurance China Life Insurance Company (# :002-909)

● stay at tourists Life Insurance

Lodging passengers personal accident injury insurance Pacific Insurance Company (# :003-93)

TING visitors stay at the Ping An Insurance of China Life Insurance Company (# :002-899)

How to choose the right travel insurance

Many people go out to travel, usually take out travel accident insurance, the premiums are usually 20 yuan to 100 yuan, but the time of purchase special attention to its terms except to understand what a high degree of risk and adventure is not compensable. In addition to travel accident insurance, there are three kinds of insurance can also be decided according to individual circumstances of tourists choice. First, traffic accident insurance, tourism traffic to go through on their way if the lot or use of complex transport occupy a larger share of time, may wish to choose this insurance, compared with aviation accident insurance, the price is still relatively high, inadequate, because it It is only by commitment to the insured vehicle after the accident occurred when the claims. Second, the aviation accident insurance, some people travelling by air more, the option to buy 20 yuan an aviation accident insurance. Third, travel assistance insurance, many insurance companies have joined hands with the international rescue centre to Travel rescue insurance, the insured in the event of accidents can also be a timely and effective professional assistance.

The insured should pay attention to the public trips travel insurance does not mean that accident insurance

Tourism liability insurance does not mean that accident insurance

According to the insurance company staff, because of accident insurance premiums low, and voluntary purchase, travel agencies would not spend effort to promote travel accident insurance, "a 20 yuan travel accident insurance policy, marketers can only get the four yuan Commission. "

Travel insurance, including liability insurance and tourism travel accident insurance. Tourism liability insurance is to provide travel agencies must underwriting insurance, but only for travel agents due to negligence or fault of the necessary commitment to pay for economic responsibility, if I tourists accident occurred is not within the scope of coverage. And travel accident insurance coverage in the course of tourists in the tourism, because tourists accident caused personal injury liability, the voluntary purchase of insurance. It is understood, now on the market for the trips include travel accident insurance relief insurance, travel personal accident insurance, travel accident insurance and travel accommodation and other types of personal insurance. As long as tourists generally spend 10 to 20 yuan, 100,000 yuan to get (in the Tour) protection.

"Mission tourists with travel, insurance identify accident insurance, must pay attention to verify the insurance terms. For example, some travel agencies may be only 10 tourists-three accident insurance." Remind the staff member said.

Admission insured attention checkmark

One in the insurance industry for many years the old business staff told reporters that the current individual insurance companies although the travel insurance products, but all the main types have their own specific goals, insurance coverage, to see the checkmark attendance. If it is Youshanwanshui, do not need to buy a full set of travel accident insurance, personal accident injury choosing travel insurance can be. Carrying the baggage of some valuables or camera equipment, a property loss reinsurance protection, and insurance companies also often have the main danger with a combination of additional insurance packages to choose from.

It is understood that the majority of travel accident insurance provided for the insured's age range, such as birth over the age of 70 to 180 days between. At the same time, major travel insurance that accident, not because of sudden illness claims arising from the onset of medical expenses. Many insurance companies now offer emergency assistance services at home and abroad, the public in on tourism, travel encountered accidents, emergency assistance can dial telephone.

However, regardless of liability insurance or accident insurance, the insured, diving, skiing, parachuting, rock climbing high-risk behavior are not within the scope of protection. For to go to Tibet, Qinghai high elevation areas of travel, altitude sickness is classified as accidental injury still controversial. In insurance, we must ask whether the altitude reaction clearly within the scope of the insured.

In addition to driving trips of vehicle insurance, we should also consider the personal risk of accidents, it is necessary to select some seven days or 15 days of short-term personal accident insurance.

Travel insurance Tiaozhao election

Travel insurance Tiaozhao election
Many people think that from tourism, can only buy "travel accident insurance." In fact, this is a misunderstanding, there are several categories of insurance can actually provide security. Their strengths and weaknesses of points does not matter, only be applied to different needs. Generally speaking, the expenditure needs of the premium and will be able to enjoy the protection is directly proportional to.

Choose one: aviation accident insurance
The types of most of the people who are more familiar with each premium 20 yuan, 400,000 yuan face amount, up to buy five. Tourism is not all go to the mountains in the Lao Lin, some people use Shuangfei weekend trip to Beijing, Guangzhou and other big cities go, they in fact the biggest risk is to travel by plane. In such circumstances, can the return on the aircraft before buying an air accident insurance.
It has the advantage of convenience, the counters at the airport can handle the spot; shortcomings price is not high, and from 40 yuan in spending can only guarantee to travel by plane a few hours.

Second choice: risk of traffic accidents
Play some spots, especially with the mission to such a place in Yunnan, transport will occupy a larger share of itinerary, "the 18 bends," the mountain is also one of the most important risks. Under such circumstances, the insured risk of traffic accidents is a good choice. Comparing with the aviation accident insurance, accident insurance cost-effective, 20 yuan of the national life "An Daka" can protect all modes of transport within one week of the accident occurred, 300 yuan of peace "Miles" will provide 200 Million in aviation accidents protection and other safeguards. The lack of such insurance is that under a car accident it would "stand by", especially for some hiking the "Mix", the basic traffic accident insurance does not apply.

Third choice: travel accident insurance
The so-called "industry specializing in", some people will this year two opportunities Chuyuan Men, on foot or on a self-help tourists, travel accident insurance is the most appropriate. In the whole travel, travel accident insurance umbrella to play the role of general insurance premium in more than 100 yuan to 20 yuan. However, with special attention to its exclusion clause, which high-risk or adventure is not compensable. This is the most common travel accident insurance defects.

Select 4: travel insurance relief
China Life, China Pacific Insurance Company and other companies with the International (SOS) Relief Center launched the travel insurance kind of relief, the original travel personal accident insurance services expanded to traditional insurance companies after the general claims extended forward into the accident The time to provide timely and effective relief.
Compared to the general travel insurance, it naturally has the dual role of insurance. However, the corresponding premium will be higher, but also in foreign travel more common, provides protection in these types of tours are not many.

Admission trips insured checkmark travel insurance does not mean that accident insurance

Tourism liability insurance does not mean that accident insurance

According to the insurance company staff, because of accident insurance premiums low, and voluntary purchase, travel agents would not spend effort to promote travel accident insurance, "a 20 yuan travel accident insurance policy, marketers can only get the four yuan Commission. "

Travel insurance, including liability insurance and tourism travel accident insurance. Tourism liability insurance is to provide travel agencies must underwriting insurance, but only for travel agents due to negligence or fault of the necessary commitment to pay for economic responsibility, if I tourists accident occurred is not within the scope of coverage. And travel accident insurance coverage in the course of tourists in the tourism, because tourists accident caused personal injury liability, the voluntary purchase of insurance. It is understood, now on the market for the trips include travel accident insurance relief insurance, travel personal accident insurance, travel accident insurance and travel accommodation and other types of personal insurance. As long as tourists generally spend 10 to 20 yuan, 100,000 yuan to get (in the Tour) protection.

"Mission tourists with travel, insurance identify accident insurance, must pay attention to verify the insurance terms. For example, some travel agencies may be only 10 tourists-three accident insurance." Remind the staff member said.

Admission insured attention checkmark

One in the insurance industry for many years the old business staff told reporters that the current individual insurance companies although the travel insurance products, but all the main types have their own specific goals, insurance coverage, to see the checkmark attendance. If it is Youshanwanshui, do not need to buy a full set of travel accident insurance, personal accident injury choosing travel insurance can be. Carrying the baggage of some valuables or camera equipment, a property loss reinsurance protection, and insurance companies also often have the main danger with a combination of additional insurance packages to choose from.

It is understood that the majority of travel accident insurance provided for the insured's age range, such as birth over the age of 70 to 180 days between. At the same time, major travel insurance that accident, not because of sudden illness claims arising from the onset of medical expenses. Many insurance companies now offer emergency assistance services at home and abroad, the public in on tourism, travel encountered accidents, emergency assistance can dial telephone.

However, regardless of liability insurance or accident insurance, the insured, diving, skiing, parachuting, rock climbing high-risk behavior are not within the scope of protection. For to go to Tibet, Qinghai high elevation areas of travel, altitude sickness is classified as accidental injury still controversial. In insurance, we must ask whether the altitude reaction clearly within the scope of the insured.

In addition to driving trips of vehicle insurance, we should also consider the personal risk of accidents, it is necessary to select some seven days or 15 days of short-term personal accident insurance.

Four to go abroad to buy insurance scheme would be elected

Qianshanwanbao news now, Anshan summer-travel trips army was going, and in the summer of carefully selected at the same time, Anshan people are increasingly concerned about the safety and security of the trips. Anshan reporters yesterday from some travel agencies that the hope for the tourists travel accident insurance about 50 percent of those trips, but some tourists choose to give up a little insurance. In this connection, the insurance industry have pointed out that the summer trips, four insurance can choose.

Travel agents liability insurance-not tourists

It is understood that the city of Anshan regular travel agent to purchase travel agents liability insurance, but its real target is the protection of travel agents. As the new travel agency liability insurance has not yet formally launched in Anshan, travel agencies were originally purchased by the travel agency liability insurance, which means that tourists in the tourism suffered in the course of the personal property losses, only because of errors caused by travel agents, will it be possible to Compensation, and from tourism corporation in the accident are not travel agents liability insurance coverage limits. According to Anshan some travel agencies that, at present, travel agents mission trips to the tourists in about 50 percent of the people want to buy travel accident insurance, but because travel agents recommended by travel accident insurance a single relative, in fact, only about 30 percent of the tourists The purchase of a travel accident insurance. And most of their trips is the Anshan people do not know how to choose the right travel accident insurance.

Four types of options

The insurance industry, the current population of the insurance for trips increasingly rich variety of different types of trips can choose different types.

According to reports, accompanying the tourists travel more appropriate choice of travel agents to promote travel accident insurance. Most travel agents now Anshan travel accident insurance premiums for 10 yuan, the highest protection of 100,000 yuan, the insurance period of time and mission trips basically the same. The types of insurance, tourists from corporations in the course of a death, disability or injury compensation can be, if not the mission trips tourists can also choose this insurance. However, if often self-driving trips, you can choose card personal accident insurance (Car-type). Such insurance premiums than ordinary travel accident insurance higher, but 100 yuan in premiums, will be a period of one year of protection, that is, in the year after the insured, choose the time and frequency of Car , Can be insurance protection.

The reporters also understand that their own trips to meet the public accommodation, such groups can choose to stay at a tourist personal insurance, such insurance to provide protection to include accommodation during the personal safety of the premium is not high. The industry also suggested that the members of the public to participate in overseas travel outside a best buy for emergency medical insurance. Because foreign medical expenses is relatively high, in the case of an accident rather difficult local assistance, emergency relief insurance can choose from accidents or in the case of sudden acute timely relief, the general coverage 400,000 yuan, the insurance period of 10 days required The premium of about 250 yuan. The reporters also learned that Anshan currently on the market are generally travel accident insurance will be engaged in rafting, bungee jumping, horse riding and other dangerous items as an escape clause, so the sign insurance contracts, must be concerned about exemption clause.

After carefully to take out travel insurance provisions of Rule

Spring Festival this year substantial increase in the number of tourists immigration, the only access to Pudong on the number of breakthroughs 360,000 passengers, for the calendar year Pudong airport immigration Golden Week which is the most people. And after the holidays, some travel insurance issues are also highlighted. AIU Insurance Company Shanghai Branch of the people to remind customers to take out travel insurance, clearly the scope of their protection.

War, military operations and other delays caused by travel insurance is not the responsibility as well. Travel insurance in general, due to inclement weather, natural disasters, mechanical failure, strike, hijacking or sabotage and other air and shipping of temporary workers protest caused delays in aircraft or ship more than five hours, insurance companies will be under a contract of insurance The corresponding amount of insurance compensation of the insured. But over the responsibility of the insurance does not include war, military action caused the delay.

Baggage delay compensation for the insured in the local purchase daily necessities and the reasonable cost. Travel in checked baggage may be delayed more than eight hours and to travel, this has caused great inconvenience, then the insurance company will be compensation insurance in the local purchase daily necessities and the reasonable cost. Insurance companies need to pay attention to compensation for local purchase of basic necessities and the reasonable costs, not as long as there is compensation for delays in baggage.

Insuring pre-existing diseases and injuries from the responsibility for the matter. Travel insurance in the "medical compensation" in the protection of the travel period due to illness or accident and need the necessary treatment of the actual medical expenses.

However, customers should note if the patient is already in existence before the insured, most of the travel insurance from all this as a responsibility. For example, the insured person in the journey of a heart attack in hospital treatment and doctor's diagnosis report that the insured person is suffering from heart disease has been in existence for many years, insurance companies will refuse compensation.

Hua Xiaoqian access to the protection of the summer travel tips have to buy insurance

What the public during the summer vacation trips, "Hua Xiaoqian of the security," the city yesterday Zhizhao life insurance companies: the summer vacation trips to buy insurance for the tips, on-demand as the insured.

For longer travel itinerary, select only aircraft travel public, both economic and affordable methods of operation are: from home before departure, buy an annual aviation accident insurance. The city have introduced a number of insurance companies such insurance, under normal circumstances, each route intended for the insurance premiums of 100 yuan, security payments up to 80 million by 2001, regardless of the number of times aircraft can be.

And the tourism during the regular replacement of public transport, do not need each other to buy a vehicle on a kind of insurance, it is best to buy a vehicle accident comprehensive insurance. The insurance the insurance period is divided into seven days, 10 days, 15 days, 30 days, and several grades. Not the same period of insurance, the premiums of different prices to 15 days as an example, the premiums for 25 yuan each, the aircraft-was 450,000 yuan, the train (including Light Rail and the MTR)-was 30,000 yuan, the vessels Bao was 20,000 yuan, the security vehicle was 20,000 yuan.

The public may choose to travel with a family, "Quan Jiafu" insurance. Some insurance companies the city launched a three homes for the travel insurance underwriting, spent only 100 yuan, a family preservation policy. Tourism in the course of accidents due to the death, disability, hospitalization, insurance companies are looking for a loss.

If the self-driving trips, can also choose Combined Insurance - accidental injury, medical expenses (including the sudden illness), camping equipment available to cover all losses.

How to buy travel insurance

General tourist trips to buy four types of insurance, the first passenger accident insurance, such insurance mainly for tourists travel by vehicle to provide risk prevention services, tourists buy tickets and tickets in the amount of five percent is used In the insurance, insurance for each of the insurance amount of 20,000 yuan, 10,000 yuan of the accident of medical blunders, from the period of insurance or stop half-way ticket on board ship, visitors have been to the half-way ticket to stop or get off disembark. At present a lot of tourists after the Chuxian often ignore their own insurance already in the state, therefore, the persons concerned to remind consumers, the use of Travel Tourism, once the Chuxian should immediately to the insurance companies underwriting the claims.

Second, the tourists stay at personal insurance, such insurance for each one yuan, from the stay at 0:00 on the date of the insurance period of 15 days, after the expiry of the renewal, each number of tourists can buy. Such insurance to provide protection to visitors stay at a major insurance 5000 yuan, visitors stay at 10,000 yuan Xianyiyongwei insurance, portable items for the visitors was accidental damage or loss of compensation for looted 200 yuan.

For thrills and participate in the Adventure Tour of tourists, should be the best person to take out travel accident insurance, such insurance premium for one yuan each, the insurance amount of up to 10,000 yuan, all tourists to buy up to 10 insurance. Insurance for tourists to buy insurance from entering tourist attractions and scenic areas from the time when visitors to leave until the attractions and scenic areas.

For outbound tours, visitors should take out travel insurance relief, such insurance is all domestic insurance companies generally offer the insurance, the insurance companies with the international launch of the Joint Rescue Center, both in domestic and foreign tourists encountered any dangerous situations, can make Phone access to free aid.

Which tourists personal accident injury insurance by the national tourism administration departments to be bound by rules and regulations in the form of mandatory insurance, in line with tourists trips, travel agencies, must clear their own insurance should be given the right.

Trips at a best buy insurance

With the arrival of summer vacation, travel on the public gradually increased. Professionals to advise the public on tourism, trips to give top priority to safety.

With the tourism corporation

Must obey the command of tour guides

Recently, the 34-year-old Zhao Yan of China Hong Kong residents in the Congo play into the crater when the unfortunate victims, a happy happy travel abroad has become a tragedy. So, the tourists how to avoid accidents during the tourist? »

Department of the generous travel agents Huangjing Li told reporters that travel with the most important mission is carried out in accordance with arrangements to visit travel agents and tour activities, do not act alone. In the course of the tour guides have to obey the arrangement, some of the more dangerous locations Tour, will not take the psychological luck, made some dangerous move.

The elderly should be prepared related to drug

Tourism in the former in accordance with their own personal physical condition, ready to related drugs. Huangjing Li said, some tour groups to participate in the growing number of older persons, the elderly must be according to our own situation with antihypertensive drugs, Suxiao Jiuxin pill and other drugs. At the same time, due to hot weather, tourists should prepare Fangshujiangwen drugs.

Car travel and outdoor

Best buy an insurance policy

Huangjing Li also reminded the public that trips must not forget to buy travel insurance. In addition to the current travel agency group to buy insurance reunification, the tourists take the initiative to take out travel insurance for less than one percent, most trips are in a "no risk" status. Tourists enjoy Youshanwanshui in the same time, which often ignored the existence of many uncertain factors, therefore, may wish to leave before the purchase of a tourist travel insurance, in case of accidents, injuries and losses, you can get timely relief and the corresponding The economic compensation.

Starting well before the arrangements

Car has many years experience in the travel and outdoor Mr Wong told reporters that before the trips first thing to do meticulous arrangements. Tourism will inevitably run into some unexpected situation, to think of things more complicated, more comprehensive, prior to the development time line, boarding the specific plans and take guided tour map and vehicles, ships and the timetable for the necessary equipment, including commonly used Drugs, to danger. Such as rock climbing, scuba diving, crossing the desert and forest, and other non-conventional activities, with the adventure of their own, more uncertainty, before starting to consider carefully every step.

Mr Wong also said that visitors entering the area did not open play when we must seriously. He suggested that visitors not to enter the general area did not open, if entered on a certain exercise caution, and do a good job of adequate material, psychological, ready to help, take preventive measures. Especially on the Internet node on the way trips and clubs, we must choose a good fit counterparts, worked out detailed plans and emergency plans, do not blindly without authorization or action.

Car insurance for the four major attention

Insurance experts advise, for travel insurance, the first should pay attention to truthfully fill out the application. Internet must fill out the application filled out correctly, and avoid the wrong message and fill out the insurance companies in Chuxian when Jupei, causing unnecessary losses. (Sohu)

Second, we should see the insurance terms. Must pay the premium before the full requirements of insurance issued by insurance agents and personally read the contract, the scope of the exemption, underwriting and claims, and other matters should be fully aware of clear provisions to prevent children vague wording.

Third, it is not for the better security. Generally speaking, concentrated in the personal accident insurance on a can, less security and more security in accordance with their own actual conditions on it.

The fourth is to the accident should promptly notify the insurance company. "Insurance Law" Article 21 stipulates: "The insured, the insured or insurance beneficiaries know that after the incident, should be promptly notify the insurer." Therefore, there should be promptly reported after the accident; Walkman portable security insurance card, insurance card and Like credit cards, should be seriously good protection of important objects.

Trips must buy travel insurance

More and more families to travel on vacation as one of the ways. In as much as Youshanwanshui tourists at the same time, which often ignored the existence of many uncertain factors, the accident may have occurred at any time. So, what measures should be taken to the accident to minimize economic losses? »

Experts recommended that: the former may wish to travel out to buy a travel insurance, it specifically tailored for tourists, when tourists travel in specific incidents encountered in the course of accidental injury and loss brought about, can receive timely assistance and the corresponding economic Compensation for all the trips themselves and their families protect.

At present, domestic insurance companies in the travel insurance business mainly as follows:

Travel personal accident insurance: insurance for all of these tourists are from the most practical, and it is most needed, and cheaper premiums, insurance rates up to 10,000 yuan. Insurance for tourists to buy insurance from entering tourist attractions and scenic areas from the time when visitors to leave until the attractions and scenic areas.

Passenger accident insurance: This insurance mainly for tourists in travel by vehicle to provide risk prevention services, tourists buy tickets and tickets in the amount of 5% for insurance, the insurance amount for each insurance for the 2 Million, of which 10,000 yuan the accident of medical blunders. From the period of insurance or stop half-way ticket on the car boat, tourists have been to the half-way ticket to stop or get off disembark.

Tourism stay at personal risk: this type of insurance one yuan each, from the midnight of the day stay at the start of the insurance period of 15 days, after the expiry of the renewal, each number of tourists can buy. The protection of such insurance: insurance visitors stay at 5,000 yuan, the insurance Jianyiyongwei visitors stay at 10,000 yuan. Passengers portable items stolen or damaged by the accident, stolen, lost, can also access the appropriate compensation.

Insurance against the existing varieties, the experts recommended that: visitors should be based on its needs and economic conditions, the appropriate, science and take out travel insurance, with a view to achieving a win-win economic and enjoy.

"11" on the trips must "double insurance"

Tourism Bureau today released the "11" trips security notice to remind the group tour visitors, apart from travel agents liability insurance, the best for their purchase of a travel accident insurance, for travel on a "double insurance", so that their interests are the biggest Degree of protection, the accident brought economic losses to a minimum point.

Notice that travel insurance is divided into travel agents and travel accident liability insurance two categories, travel agencies liability insurance for travel agents only the responsibility of the compensation can not cover tourists in the tourist all happened during the accident. Because of personal reasons, of natural causes the harm caused to tourists, travel accident insurance can only assume liability.

In addition, the notice also from the line before the preparation, catering to tourists, and so was prompted to: Select mountain climbing, swimming, cross deserts and forests, such as greater risk of tourism activities, to strengthen the physical and technical training, if necessary, receive professional guidance ; Trip to buy food should be strictly chosen, to prevent the "disease from the mouth" and must not drink the water scenic areas, water or mountains of the so-called "Xianshui."

Recently Qure against the "Adventure", proposed in the notice of tourists strictly abide by the tourist destinations of warning notices and safety requirements. Tour visitors not to take the risk, Maoshi, not to risk a lot of protective facilities. In addition, adventure tourism and adventure lovers according to the environment, the project's difficulty level and choose their own health status of the project suited to their own conditions, worked out detailed plans and emergency plans, not to enter the general lack of communication open area, so as not to bring Rescue the difficulties.

What are the Golden Week 11 insurance

Golden Week - Consumer Tips

"Tourist travel throughout navigation; free travel safety testing; accident rescue of the free……" PICC Property Insurance yesterday for its coverage of vehicles, launched nationwide for a period of nearly a month of huge value-added services, which also announced that domestic insurance companies around the various 10 A gold-week promotional competition officially began.

Vehicle insurance is only part of the competition, insurance companies the main battlefield or in the tourism-related and personal risk. With the deepening of competition, many new travel accident insurance have expanded the scope of protection, some of the original company's products exemption diving, parachuting, bungee jumping, rock climbing, expedition into the high-risk sports coverage; Golden Week is not the length of trips First, some companies on this big issue, such as the China Ping An on-line direct marketing of the "safe travel accident insurance," premiums by day, consumers are free to choose the insurance period, the shortest-one days, a maximum of one year and also Some companies in a "comprehensive" to attract attention, such as the Taiping Life Insurance launched against Golden Week "e-cheung cards", the product mix of each premium 100 yuan, including the protection of accident death, disability accidents, medical accidents, Accidents income security, aviation accident insurance, and so on.

The current domestic insurance companies to provide travel accident insurance, the species is abundant, consumers need to do is for their own travel plans, the selection of suitable protection programme. The self-driving trips, car owners should pay attention to their sitting drive coverage of the insurance policy could be extended to the field, and if not, before proceeding to the insurance company should be carried out "policy correcting" In addition, travel accident insurance on the basis of the insured, "the car Officers liability insurance "to be more effective in protecting drivers and vehicles with the safety of personnel. For outbound tourists, international travel insurance essential, if the insured person outside the accident suffering from injury or disease, will enjoy the international relief organizations to provide a series of rescue services. Consumers need to pay attention to a number of travel destinations outside of the special provisions, as the EU Council, a visa for Schengen countries need to purchase the amount of not less than 30,000 euros, and has a function of the accident outside the rescue of medical insurance.

With the need to remind the majority of the mission trips, have the best "double insurance." In accordance with relevant regulations, travel agencies must travel agents liability insurance is compulsory insurance, travel agencies because of their own fault or negligence leading to loss of tourists, visitors will receive compensation, but the fact is, tourists free time the accident occurred, or in advance of tour guides To remind all of the obligations, tourists pay attention to matters arising from breach of the accident, not the insurance coverage. Therefore, added a travel accident insurance corporation with tourists is the best choice.

Travel insurance and the amount of compensation

Travel accident insurance is the scope of compensation:

* Personal injury, death caused by acute compensation;

* Injuries and acute medical treatment expenses;

* Deal with death or repatriation of remains of the cost;

* Tourists carried by the baggage items lost, damaged or stolen for compensation;

* Third party liability arising from the compensation. Travel accident insurance in accordance with the amount of compensation the basic standards of inbound tourism, outbound tourism and domestic tourism there are specific provisions;

* Travel agents for domestic tourists in China for travel insurance, the insurance amount of tourists each shall not be less than 100,000 yuan. For the entry of foreign tourism, the Chinese outbound tourism travel accident insurance for each of the tourists may not be less than the amount of insurance 500,000 yuan.

Tourists in case of an accident during travel, as the case may be, are in full accordance with the regulations, or half of the amount of insurance.

Small holiday: to buy short-term travel insurance attention to three Keywords

Key words: insurance period

Five three-day "mini vacation" will stimulate demand in the short-distance travel, and "Car" Many tourists have become the first choice. Insurance experts suggest that in the short-term travel insurance product choices, the insurance period should be equal to or greater than the best travel period, under normal circumstances, the insurance period starting from midnight of the day, such as tourists in May 1 to 5 2 trips, the insurance period is at 0:00 on May 1 to begin on May 2 when only 24.

Key words: with by relatives

Insurance experts suggested that the purchase of Car insurance, to pay special attention to property and automotive vehicles in the coverage of relatives within. If the owners usually only the three risk insurance and Jusun Xian, then the vehicle property and other passengers on board the personal accidents in the state of insecurity, the main event of a risk to their own "pay for." The long-distance travel, property damage and other relatives and friends on board the accident risk exists.

Key words: special risks

For many young people, on tourism, will inevitably be involved in some high-risk projects, such special risks, there are many travel insurance products not included in the scope of protection, therefore, intend to travel during the tourists involved in these projects , To see the best insurance provisions include such responsibilities. As for leisure travel to easily consisting mainly of tourists, but also see the insurance terms, to avoid excessive coverage and pay more in unnecessary premiums.

Travel insurance plateau passenger trips to strengthen security

With the fervent tourism in Tibet, China's insurance industry has introduced the first high altitude travel insurance and liability insurance new travel agencies, trips to enhance passenger safety and health protection.

Qinghai-Tibet railway opened to traffic after a daily average of more than 600 people into Tibet tourism, in order to protect the health and safety of passengers, had to prevent acute mountain sickness can receive timely treatment, the Chinese people Health Insurance Co., Ltd. launched the first exclusive plateau tourism insurance Products.

China People's Insurance Health Ministry deputy general manager of product development, said Zhuo Zeng: The premium products 88 yuan, 10,000 yuan face amount insured age range 3-70 years of age, a period of 30 days. Products include the protection, due to acute altitude cerebral edema, acute high altitude pulmonary edema caused by hospital and admitted to hospital three days before the reasonable and necessary medical expenses, and by 100 percent the proportion of paid insurance.



China's PICC Property Insurance have also introduced a new version of the travel agency liability insurance. China's PICC Property Insurance responsibility for credit risk, general manager of the Iraqi Ministry of Health said that the new travel agency liability insurance than the previous version greatly widened the scope of responsibility, new added, outside the provision of emergency rescue services, medical transport, medical repatriation, hospital medical security deposit , Monitoring health status, family visits, including minors, and other family members returned professional services, which in the past are not the products.



Travel insurance market to heat up, show people the safety and health protection trips more attention. China Insurance Regulatory Commission spokesman, Assistant Chairman of the Yuan, the first half of this year, the total revenue premiums realized over 308 billion yuan, an increase of more than 13%.

New travel agency liability insurance underwriting more than 90 percent of the market risk

On the 8th Chinese People's Insurance Property Insurance Ningbo Branch was informed that the focus of the pilot as a travel insurance company, the company has pioneered the market in 2006 Yongcheng new travel agency liability insurance products. And compared to other products on the market, the new travel agency liability insurance products not only in the areas of responsibility, compensation, service mode and so on are all new, but will "insurance" and "rescue" closely integrated.

In recent years, visitors experience the frequency of accidents increasing. However, according to the relevant information, the city in addition to about 20 percent of the tourists is accompanying by travel agents for travel insurance, the vast majority of trips caught without insurance in the state. This situation caused mainly due to public insurance awareness is not strong, complex claims links, not the full protection of traditional products and non-standard insurance market competition, to protect the interests of tourists, and so on.

The new travel agency product liability insurance products in the past focused on solving the bottleneck. Products from the main risk insurance and family can choose the additional risk component. The main responsibilities include insurance coverage of three parts: an underwriting led by travel agents fault the personal injury or property damage; underwriting from traffic accidents, natural disasters, food poisoning, three categories of non-fault liability caused by travel agents tourists death, disability, loss of medical expenses, and After the Chuxian by professional relief agencies to provide emergency medical transport, medical repatriation and other rescue services.

Compared with other products, new products will be part of the legal provisions of the consumers themselves can not distinguish between the risks or the risk of liability coverage included, and compensation limit and a significant increase compared to previous versions. According to research, new products this part of the underwriting risk cover of the tourist might face in the course of more than 90 percent of the risk.

Beijing Tourism Bureau: Do not forget to buy summer trips were "unexpected and dangerous"

With the end of college entrance examination and the institutions, primary and secondary schools have summer vacation, summer trips around into the peak period. Beijing Tourism Bureau on the 28th issued to remind tourists trips Do not forget to buy the "accident insurance."

Beijing Tourism Bureau relevant experts, travel insurance is divided into travel agents and travel accident liability insurance two categories, travel agencies liability insurance for travel agents only the responsibility of the compensation, it can not cover tourists in the tourist all happened during the accident. Because of personal reasons, of natural causes the harm caused to tourists, travel accident insurance can only assume liability. For this reason, reminded a group tour visitors, the best for their purchase of a travel accident insurance, for travel on a "double insurance."

With the changes in people's consumption concept, summer tourism means of increasing autonomy, personalized, choose rafting, mountain climbing, scuba diving, and so the greater risk of more and more tourists. Tourism experts reminded the public visitors should be based on their own health status, to participate in more mature, organized, safety and security of the popular adventure tourism projects and strictly comply with the relevant security note.

Adventure tourism lovers can choose qualified and experienced professional travel agents, organized in the leisure-adventure tourism activities. In particular, according to the expedition to the environment, projects and the ease of their own health status of their own choice in line with the modest conditions, worked out detailed plans and emergency plans, not to enter the general lack of communication open area, so as to avoid the difficulties brought about rescue .

50% of tourist trips do not buy insurance travel accident insurance Guangzhou cold case

Guangzhou as a major tourist provinces, outbound tourism and domestic tourism are rapidly growing, throughout all sectors of tourism in the accidents, natural disasters, such as tort liability risk of default is also becoming increasingly prominent. However, reporters from the "2007 Tourism Risk Management Forum" was informed that within the past two years, Guangzhou has more than two days of foreign travel experience of the public, more than 50% do not take out travel insurance, the insured rate is low, accidents, claims no channel . "Guangzhou people豪爽Huisa 19,999 yuan for 10-day Tour of South Africa, but Lin Yu used 200 yuan to buy travel accident insurance." An insurance company official said, "on the road in the Bi Pingri high accident rate 50 percent, travel agents almost daily Have received the accident report. That travel is safe, in fact, is a misunderstanding. "

This reporter learned that, although the Guangzhou travel agency for tourists to provide "liability", but "liability" is not "protecting" an accident, the road is a lot of incidents of force majeure. And even flight delays, baggage theft of personal money, as long as the accident is not because of errors caused by travel agents, travel agents would not have legal liability.

The industry said that at present "travel accident insurance" is a tourist to independently choose the projects, a considerable number of tourists heard the concept of "insurance" word, will naturally think of "death" and "injured" and so on out feelings The matter to resist the insured.

The industry suggested that government agencies should "travel agent liability insurance" to "statutory insurance." According to reports, in many developed countries, the tourism administration will encourage consumers to buy personal travel outside the insurance, if the tourists firmly not to buy, travel agencies will allow consumers in an agreement signed by the form from the contract disputes.

Yu-sheng signed a self-help "instruments of life and death" but nobody is interested in travel insurance

"Instruments of life and death" popular line of adventure

Yu Guangzhou this year's hot summer self-help and more concentrated in Xinjiang, Tibet, Sichuan and other western explorers lines. Several people in the industry, under the guidance of journalists in China Tourism Forum, the Forum of outdoor travel and tourism group QQ nearly 80 self-service travel site that many seek partnership "Mix" of the post, in addition to a detailed list trips The time line, all the expenses, method of payment, such as details of the issue, without exception, have asked entrants must sign a "life and death instrument" that is "safe harbor contract", which is in the process of travel If a variety of accidents, are "own life and death", and the organizers of the "irrelevant."

Signed "instruments of life and death" as "the line"

If China Tourism Forum, one claiming to be "the Guangzhou Institute of students," the "owner" post, looking for three men with him through the "Shangri-La, Yunnan and Sichuan line." However, the end, he published "disclaimer": "The event…… participants of the consequences of their actions and bear full responsibility. Against any team from outdoor sports and the risks inherent in the road from the risk arising from Responsible for the consequences. If the event took place in the personal consequences of damage from the injured person based on legal provisions and in accordance with the law to solve this statement…… "

Why should enter into such an "instrument of life and death"? » -- To find the organizers, laborers graduate Allen, he told reporters: This has become a self-help network of travel dating "to the regulation," because "a lack of experience in recent years travelled to the self-help distress, resulting in personal injury claims after the organizers of the Case, once the accident what really happened, how could I do to bear the consequences, "Allen told reporters admitted that" now we have signed this fashionable (the "instruments of life and death"). "

'll Never buy most of Bao

In many reporters found on the Tourism Forum, in fact, organizers of the "Declaration" has "proposed to take out travel insurance (voluntary)" column, but Allen says, "wrote a useless, no one responded."

Guangzhou City Center, in charge of tourism services also said that at present, Guangzhou on tourism in the crowd of nearly 75% of self-service travel, but some trips are mostly without insurance in the state. Reasons "not because of high insurance premiums, but because the majority of self-protection awareness'll be weak, not automatically, consciously used to purchase insured." The responsible person who'll be reminded, when tourists travel in specific incidents encountered in the course of accidental injury and loss brought about, can not receive timely assistance and the corresponding financial compensation. "Therefore, the purchase of a pre-trip travel insurance is necessary. At present, domestic insurance companies in the travel insurance business travel are personal injury insurance, accident insurance and passenger travel stay at personal risk."

Bar argument

Disclaimer invalid accident claims no channel

You signed the self-help in this contract is effective Disclaimer » Once the incident, the organizers need to take responsibility for what » How can victims get compensation for accident » This reporter had an interview with the Guangdong-letter law firm lawyers Zhang Yong, Guangdong tripod law firm lawyers listed Zhu Yu and others. According to lawyers, "is at your own risk" is limited to the existence of an employment contract between the two sides, and is an offence, and self-help organization of those who launched the Tour between participants and there is no employment relationship, the "instruments of life and death" in the Non - Select terms is invalid, "but as long as the organizers provide the necessary security alerts and protective measures, organizers can waive the corresponding responsibility."

Lawyers suggested that those trips should be timely to take out travel insurance, so as to avoid accidents, claims no channel.

90% more people in Yunnan trips will be 10 yuan to buy insurance for 10 days-the most popular pay 100,000

And to the tourist season, travel agencies are desperately Yao He guided the people at the same time, will also attaches great importance to the insurance consumer protection issues » Recently, this reporter from the big travel agencies that more than Kunming, Yunnan trips when people buy insurance awareness of the initiative is still strong, but travel agencies to remind, there are more than 90% of Yunnan people trips will buy insurance, currently on the market pushed the 10 yuan - 10 days pay 100,000 yuan of the most popular types.

Every holiday, Kunming, the Mabi chicken every night Yourenruzhi Square (picture)

Yunnan Travel Tourism Corporation, the Ministry of Tourism Advisory comprehensive DAI Xu told reporters, few tourists will ask the insurance of small things, some simply do not ask, and some tourists not to buy insurance as a link in tourism.

Yunnan Zhongqing Brigade Travel Agency staff told reporters that they are generally advise tourists to buy travel accident insurance, but there are still some tourists would not choose to buy. Kunming daily outbound travel agents Limited staff also said that the tourists voluntarily choose to purchase travel accident insurance, some tourists would not buy, but only a few.

One of the senior members of the tourism sector, revealed to reporters, individual small travel agencies to reduce costs, often to remind tourists not to buy travel accident insurance, especially in the one-day projects more. Large travel agencies to buy insurance will remind tourists, but Mai Bumai is voluntary. Individuals is estimated that more than 90% of the tourists will still buy insurance, individual insurance does not buy most of the tourists have already bought the other commercial insurance. Tourists and the travel agent to buy insurance

Kunming Railway International Travel Service Director Operations Manager Yang Qing, in the tourists on the basis of voluntary choice, from travel agents to buy insurance for their generation.

"In our travel agents, tourist trip before the purchase of travel accident insurance is certain, will ask them to buy from us for their handling. Some people really do not want to buy must be clearly specified in the contract." Kang Hui Kunming travel agency Universal Branch General Manager Zhu Zhongping said.

Queensland and Wei, general manager of the international brigades said that they had been when the delegation will travel accident insurance costs into groups, each and every visitor to buy travel accident insurance, for the tourists for maximum protection.

According to reports, according to determine the type of insurance liability, the maximum insured amount is 100,000 yuan. In other words, the money tourists spend 10 yuan for their purchase of up to 10 million in domestic travel accident insurance.

It was also learned that outbound travel is to spend 30 yuan to buy insurance, insurance for up to more than 15 days, the maximum insured amount is 300,000 yuan. In an interview with this reporter learned that the insurance company is not insured, the insurance rates also vary. But basically, the reporters will be informed, "10 money 10 days 100,000 yuan" This kind of insurance Shunkou Liu, which is currently on the market's most popular classes.

In an interview related to the travel agency responsible for a number of people to remind visitors, take the initiative to take out travel accident insurance, the maximum protection of their rights.

Malaysia will impose a travel insurance policy

To travel abroad to enhance the protection, the Ministry of Tourism Malaysia will impose a travel insurance policy to submit proposals to the Government. If approved, the amendment would "Tourism Act" to make provisions. China's financial ceremony

Malaysian Ministry of Tourism Deputy Minister Xiang Lin only said that recently there have been some incidents, including the Malaysian Chinese Tourism to the visitors by the use of vehicles in traffic accidents, there are recent tour company Excellence Holiday Sdn Bhd collapse, leaving many tourists ahead of the delivery of baggage deposit The recovery of nowhere. Thus, the protection of the trips have become an urgent need to address the problem.

Xiang Lin only said that the proposal will be submitted in the Government, the Ministry of Tourism will also work with consumer groups to discuss travel insurance. He disclosed that the Ministry of Tourism Malaysia is expected before the end of this year or early next year, a mandatory travel insurance plan.

Sea travel liability insurance rate was 100 percent more travel agencies choose a new standard (1)

Recently, the reporter from the Shanghai Tourism Management Committee was informed that the travel agency liability insurance situation has become seized by travel agents can serve as an important indicator 868 travel agencies in Shanghai insurance have all the detailed information in the Internet an open, independent public enquiry Whether the corresponding travel agents and the specific insurance coverage. In the peak tourism season is approaching when the public can travel agency liability insurance as an important basis for the choice of travel agents.

Insurance available on the Internet situation

Travel agents liability insurance is financed insurance types of travel agencies, travel protection in the course of travel agencies because of the negligence or fault caused by the accidental injury of passengers, trip interruption or loss of property, such as travel agencies should be the responsibility. As the tourism market, independent travellers take out travel accident insurance of less than 30 percent of travel agents liability insurance particularly highlighted the significance of it.

Earlier this year, the China Insurance Regulatory Commission and the National Tourism Administration jointly issued a "do a better job on the work of travel insurance," the travel agent insurance travel agents made mandatory liability insurance requirements, liability insurance is not provided the travel agents, will stay through operational inspection And ordered rectification.

Shanghai Tourism Management Committee of the Road Shu-ming said that travel agencies in Shanghai liability insurance for the work earlier, travel agencies and insurance companies designated the cooperation have been relatively harmonious, renewal rates are relatively high; Currently, travel agents liability insurance in Shanghai Basically completed the entire coverage, the insurance company last year, the brigade responsible for insurance premium income of 5.8746 million yuan. Premium growth this year is expected to exceed 20 percent.

"Shanghai tourism industry management and the construction of credibility network" will be 816 domestic travel agencies in Shanghai and 52 international travel agencies of the brigade responsible for risk insurance information on file. Enter the name of the need for travel agents, click on the "information integrity" column, you can check the travel agency liability insurance specific travel agents, including insurance premiums and the deadline.

The industry have pointed out that the booming domestic tourism development, various travel agencies are very intense competition; visitors travel often tend to choose quality and better service travel agency, plans a peace of mind and protection. Various travel agencies brigade responsible for insuring the risk is also reflected from one aspect, the quality of travel agencies: Each travel agency insured the insurance company may be different, different insurance period, the key insurance coverage also different from those of high-level, often covering A number of travel agencies not within the scope of responsibility of additional insurance, and the choice of such travel agencies will have more adequate protection.

Continuously expand the scope of protection

At present, Shanghai General Insurance Company 31 in 18 types of business tourism, although travel insurance premium increase year after year, but compared to the huge tourism market in Shanghai, the travel insurance were still lagging behind the development of the market. Although travel agents liability insurance coverage to complete the whole, but there are still low protection products, claims the problem of low quality.

Liability insurance by travel agents "compulsory insurance" in the name of solving the initial development. However, with the development of the tourism market, and diverse forms of tourism, the brigade responsible for security risks also highlighted the lack of bottlenecks. Therefore, the People's Insurance, Taibao and the United States and Asia occupy these travel insurance market share of 50% of big companies, have recently launched a new brigade responsible for insurance products - in the traditional scope of protection on the basis of the coverage will be extended to such as traffic accidents, Natural disasters or food poisoning, and other non-payment of travel agents on the fault.

Shanghai Tourism liability insurance rate was 100 percent more travel agencies choose a new standard (2)

Companies with characteristics of the additional insurance, travel agencies will further liability insurance coverage extends. Such as Taibao "in the Comprehensive travel insurance and emergency", including accident, hospital out-patient medical accidents, in the transfer of medical, legal liability, loss carry-on baggage, such as responsibility insurance, and provide 24-hour telephone hotline support and timely rescue services in . People's Insurance of the additional risk include bungee jumping, parachuting, and other high-risk sports and travel agencies cancelled, delayed-loss insurance and a series of optional insurance. MATV products will be more travel experience in the "terrorist attacks" has been included in the scope of protection, the maximum amount of compensation for
600,000 yuan.

In short, although travel agents are insured travel agents liability insurance, but the specific comparison of the company's brigade responsible for insurance, the scope of protection or there will be differences, which can be directly reflected on the insured amount. Therefore, the insured in the choice of travel agents should be carefully selected comparison.

German veteran travel insurance insurance companies beach Ruhu

Recently, this reporter was informed that the German veteran travel insurance companies HanseMerkur has since August 1 began its preparations for the establishment of representative offices in Shanghai, the work of its representative office in Shanghai have also been identified.

HanseMerkur travel insurance is a stock company established in 1875 the Insurance Group, headquartered in Hamburg, a wholly-owned HanseMerkur Insurance Group. HanseMerkur Insurance Group has four subsidiaries, which was established in 1977 the shares of HanseMerkur travel insurance companies to 20 percent of the market share of Germany ranked the third largest travel insurance companies. Company sales of 700 million euros, has about 8 million in insurance contracts. HanseMerkur hope that as soon as possible for China to upgrade their customers the ability to provide insurance services to this goal are actively looking for Chinese partners.

Baojian Ju and Chengdu in Sichuan Tourism Bureau carried out travel insurance forum

In order to implement the "do a better job on the work of travel insurance" (OCI, ﹝ 2006) 69), travel insurance play in the promotion of tourism, rapid and healthy and orderly development of the important role, August 15, Sichuan OCI The Tourism Bureau in Chengdu, Chengdu, in particular the travel insurance liability insurance for travel agents and travel agents in some insurance company representatives and held discussions to explore the use of the travel agency in Chengdu as a liability EC-pilot one of the three cities of the favorable opportunity to advance Travel insurance development. At the meeting, the two sides reached the following consensus: First, strengthen the "brigade-cooperation", establish and improve the regular communication and coordination mechanism and the other is to further improve the insurance programme, the progressive realization of travel agents and travel accident liability insurance harm the organic integration, improve the tourism industry improve risk Prevention system is to strengthen the three travel insurance publicity, the two sides agreed recently organized a training course travel insurance, and travel agents and the vast number of tourists increased sense of risk and insurance awareness of the four is to strengthen the supervision of the Chengdu tourism travel agencies operating in the main qualification examination and approval And inspection operations, intensify the travel agency travel agency liability insurance the supervision and inspection efforts, Sichuan Baojian Ju travel insurance market to strengthen the operational behavior of the regulatory investigation, travel insurance jointly promote the healthy and orderly development of the market.

Tibet tourism increased risk for payment limit

Recently, Tibet began formal implementation of the new travel agency liability insurance, the highest amount of compensation for casualties from within the bin 80,000 yuan and 160,000 yuan unified foreign guests to the current 300,000 yuan.

Tibet Autonomous Regional Tourism Bureau said that travel agents a year to pay 36,000 to 85,000 yuan from the premium. Domestic travel agencies to pay 18,000 yuan annually reunification premiums. Tourism safety incidents occurred after insurance companies for the victims paid the maximum amount of 300,000 yuan casualties, injuries highest amount paid for 60,000 yuan.

At the same time, Tibet's travel agency also implemented a series of risk insurance, travel agencies in each received a package tour at 15 yuan each insured tourists, immigrants to this country in tour groups arising in the course of traffic accidents, food poisoning and natural disasters Situation, the insurance companies paid the highest casualties amounted to 200,000 yuan, the maximum payment amount for the injured 20,000 yuan. 2 The maximum payment amounted to 500,000 yuan, but does not mean that the safety-related incidents in every tourist victim will be the highest paid for, the specific compensation standards must be in accordance with the relevant provisions of state to distinguish between different circumstances in the implementation of . Increase the amount of travel insurance payment to reduce the risk of a travel agency, reducing the travel agencies in the event of accidents after the compensation pressure. At the same time, the interests of tourists a better safeguard, the injured tourists to the timely payment of medical expenses, victims can be handled properly.

Golden Week insured Raiders ordinary accident insurance does not-altitude reaction

11 golden weeks many people focus on tourism, but away from home increases the risk, buy a suitable travel insurance risk can be reduced to a minimum.

However, many consumers to take out travel insurance when there is a major misunderstanding that it is necessary to purchase the full protection of travel insurance products, and the amount the higher the better. The contrary, if the time is very short trips, travel relatively safe way, and not very far distance, may choose to completely protect a few days shorter, less the amount of insurance if the trips a long time, but also a Car and uncertain factors in the course of travel More are proposed to select a few days longer, the amount higher, comprehensive protection and rescue services can provide the insurance.

With the mission essential travel accident insurance

Xi'an has for outbound package tours that the Miss Wang, travel agencies have purchased insurance and train tickets, coach contain votes in the insurance, tickets for some scenic spots will also provide insurance, buy a travel accident insurance is necessary? » In fact, with the corporation should not think that will reduce travel risks. The road, may transport passengers in an accident, the accident occurred in spots, even in residential property at the risk of loss are implied.

No ordinary accident insurance-altitude reaction

Various insurance companies have introduced short-term accident insurance, insurance relatively short period, generally from three days to 30 days. Needs attention is that visitors to the Plateau, the plateau is not in response to short-term accident insurance coverage, but also need to purchase a dangerous plateau. In addition, the general personal accident insurance does not include the right to participate in high-risk activities of protection.

Car traffic in accordance with that condition, the insured

"I bought the car insurance, travel accident insurance Maibu Mai does not matter." Ready to self-driving trips of Mr Lee said. In fact, the car trips will not only face the risk of day-to-day journey, there are some special risks, there are still necessary before the trip depending on the destination and the status and way of the road for the car and the car enough to increase the protection of staff .

Additional monthly insured portion of insurance

If not buy the whole car Daoqiang Xian, can be considered to spend about 100 yuan a month insuring the entire car Daoqiang Xian to prevent any eventuality if the status is not very good, can be considered a month of vehicles insured loss insurance to cover travel during the losses caused by damage to vehicles . For off-road vehicles, in particular to consider additional equipment insured risk.

You will exit to the EU-accident medical insurance

Outbound travel has become a lot of modern fashion. And the domestic tourism market compared to the situation, some countries require certain requirements of the insurance coverage can only be immigrants. For example, to the EU countries, to apply for a visa countries need to buy the amount of not less than 30,000 euros, and is outside the medical rescue function of the accident risk.

Attention to emergency services

In the purchase of overseas travel insurance, you should pay attention to whether the international emergency rescue services. As the network of domestic insurance companies to shop abroad, foreign travel insurance products is usually with the international emergency rescue companies.

Travel insurance is not the amount the higher the better.

Experts remind the frequency of trips should be based on insurance, travel insurance must be bought from a more cautious

Yesterday, reporters from more than the insurance company was informed that since the National Day holiday period is a high incidence of accidents, the recent consultation of the people increased travel insurance, the industry said that the amount is not higher the better, from outbound travel insurance is a lot of stress. In addition, the insurance can be purchased in travel agencies, insurance companies, ticketing tickets, visa agency, Internet purchase.

Insurance not request or Zaoju Qian

It is reported that many tourists that travel agents to purchase liability insurance on the line, but only in charge of tours within the framework of the risk of liability, if the tourists in their own activities injury or sudden illness while traveling, the insurance is not liable, the need to select their own right Travel insurance. Italian Life in Huizhou, Guangdong Branch of the marketing business Xiangli Ms Carlye Tsui Wai-jun said that many people think that the amount the higher the better, and this is a misunderstanding, because the domestic shorter travel time, consumers can choose cheaper premiums, comprehensive protection for the whole family travel The short-term insurance.

Relatively speaking, the purchase of overseas travel insurance must be more careful, in particular plans to European countries, the visa required for the purchase of not less than 30,000 euros, with offshore rescue function of the accident medical insurance, are often due to insurance requirements were not resist consulate Signed. After purchase, if the outside of the accident suffering from injury or sudden acute, can call a 24-hour free hotline, rescue, emergency contact global companies.

In addition, visitors must be clear by an insurance policy is "to advance ahead of schedule" or "after claims", which is unfortunate if the customer experience, such as hospital fees in accordance with the terms of the contract by the insurance companies in the insurance limit in the direct commitment to the latter need to pay for medical tourists Cost, to return home after claims by insurance companies.

Finally, we should consider buying insurance protection period, according to the required number of days and the amount insured. According to reports, various insurance companies for overseas travel accident or medical insurance in the amount of difference, so tourists in the former To learn more about the insured, according to the actual needs of their own, to buy the most suitable for travel outside their own insurance.

According to the insured frequency trips

It is understood that the tourism sub-risk insurance and at times throughout the year to pay insurance. The industry suggested that if tourists travel every year one or two, choose the relatively safe place, you can choose fee-for pay, or else consider the cross-type. Although the latter total premium high, but sharing, but the price of some cheaper Furthermore, usually a working life is also more security, not fee-paid, protected only a few days. In addition, many insurance companies have launched against the Golden Week of short-term insurance, consumers buy more convenient.

Adequate travel insurance should cover personal travel accident insurance, public transport accident insurance, travel insurance relief. In addition to the above three, the insured should also attach the accident medical insurance, which appears to ensure that out-patient and hospitalization can also receive compensation.

Online sale of travel insurance on a one-stop service came out insurance

In future, the Shenzhen public Internet booking air tickets, but also can easily select travel insurance. Recently, AIU Insurance Company and the first letter of China Air, Air China by letter Booking travel insurance sales platform, the move created a combination of insurance companies and booking system, online sales of travel insurance precedent.


Industry, innovative sales methods, we will provide greater convenience and more protection, travel insurance to more citizens will also play a role Baojia for the trip.

Cheng travel agencies try to focus on insuring four insurance companies should be superscript

How to resolve liability claims difficult to travel agencies, finds that difficult problems, such as travel agencies and tourists of the problem » Yesterday, the Tourism Industry Association in the lead, run more than 160 travel agencies recommended 33 travel agencies were responsible for the composition of the tender committee, the first meeting of the city's travel insurance on the tender, tender and four insurance companies "face-to-face." This marks the first time city must raise about 8 per travel agency "test the waters" on the insured.

It is understood that in accordance with relevant provisions of the National Tourism Bureau and travel agencies liability refers to travel agencies under the insurance contract agreed to pay premiums to insurance companies, insurance companies, travel agencies engaged in the tourism business activities which tourists personal, property damage, insurance and travel agencies bear responsibility for compensation Behaviour. According to Zhengzhou, China, Zhengzhou Kam Fai, and so many travel agents responsible person, over the past 10 years, many travel agencies have been required to buy liability insurance travel agents, but in actual operation, the insurance has become "chicken ribs", because once the need for payment, often Faced with difficult adjustments, that difficult, and many other "threshold", the normal business travel agencies to safeguard their rights and tourists brought great trouble.

Tourism Industry Association Secretary-General Fan Jun Ling said that at present, due to various travel agencies are insured separately to the power of a small travel agency to powerful insurance companies, quite difficult. Travel agency operators to resolve problems and promote city tourism management and insurance claims procedures regulating this, led by the association, run more than 160 travel agencies recommended 33 travel agencies were responsible for the composition of the tender committee, held for the first time the city's travel insurance on tender The General Assembly.

At yesterday's tender meeting, the China Ping An Property Insurance branch in Henan Province, Henan branch of China Yong'an Property Insurance, China Pacific Property Insurance branch in Henan Province, Henan branch of China United Property Insurance relevant responsible person briefed on the situation and announced tenders. Tender Board members also travel agent concerned about the details of settlement services, tourist guides Jiasong accident insurance and other issues for consultation and questioned. After more than three hours of explanation, the proposed standard, in the end, the Committee decided to tender Optional determine the final meeting of the successful bidder.

Yesterday, when interviewed by reporters, Zhengzhou City-based law firm said Yang Junwei lawyers, led by the Tourism Industry Association, the city's more than 100 travel agencies on the tender travel agents liability insurance is a useful attempt to move to standardize procedures for travel agents liability insurance claims will be Play a catalytic role. Once the insured are concentrated fruit, tourists trips will be more secure.

Travel insurance abroad: One Less medical assistance

"11" brought home during the band I travel abroad, many members of the public holidays has become an important part of life, and to travel abroad in order to safeguard, many people want to buy their own copies outside the travel insurance. Accordingly, the experts reminded: You choose from the public, should pay attention to health protection and assistance.

Medical insurance coverage "in light of local conditions"

First, the choice of travel insurance abroad, attention should be paid to different countries and regions of the medical insurance coverage.

If the choice of trips are Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Luxembourg, Norway, the Netherlands, Portugal, Spain and Sweden, the Schengen agreement countries, it must be insured medical insurance includes travel insurance . According to the visa requirements of the Schengen countries, all the short-term visa applicants must submit their visa applications to purchase materials outside the medical insurance, can assume that foreign hospital fees and repatriation costs, medical insurance must not be less than 300,000 yuan (that is, 30,000 euros), insurance for not less than one month.

If the public "11" trips to Thailand, Malaysia, the United States, Africa and other countries, travel medical insurance must not become a visa conditions, however, "always good at home, go out Wanban difficult," As a precaution, it should be addressed to the Their own medical insurance with a guarantee of travel insurance.

Foreign travel insurance coverage should make reference to the number of days travel, travel, such as the level of consumption, not mandatory requirements of the country, the amount need not be as high as 300,000 yuan. For example, to the United States, Singapore, Japan and other countries with higher medical expenses, medical insurance in the amount not less than 200,000 yuan on, left Thailand, Malaysia and other Asian countries, the shorter the trip, medical insurance coverage can be 10 million.

Medical claims nuanced

Second, foreign travel medical insurance claims are now break the "first pay, after adjustments," the traditional model, the insurance companies to consider more for insurance, medical insurance outside the responsibility of a more humane, medical claims and more specific way. For the more serious need of urgent hospitalization, the insurer can make a rescue call, the rescue company will be the first time on insurers to help. Taking into account the insurer on tourism did not take a large amount of cash, the company will carry out medical relief to advance to ensure that insurers in the most timely manner the best treatment. For minor illnesses, such as fever, colds, etc., can solve on its own, as long as the insured to retain receipts and diagnosis that can later claim to the insurance company.

Travel insurance outside the general out-patient clinics provide emergency dental insurance, the scope of claims will be subject to some restrictions, foreign dental clinic because of the high cost of health care, insurance companies generally only responsible for the accident damage to the teeth for disinfection, and other general treatment of Cost, if the insured needs to be cleaned teeth and beauty at the expense of the insured themselves.

Essential emergency assistance

Emergency assistance outside the travel insurance is a very important service. Both overseas tourists lost wallet, or lost passports, or after the Chuxian adults, such as child care, relief can call the hotline, some major international insurance companies also provide specialized services in Chinese. The timely emergency assistance, the key relief agencies in the rescue capabilities, so insurance companies will choose a global service network, a professional medical rescue teams, medical rescue with a solid background, you can guarantee that the insured person on the ground in the most timely treatment Relief agencies. For example, Taibao and the United States and Asia have chosen the U.S. international services companies, China and Italy gifted & Poor's choice, the choice of Dean Mondial Assistance company. The facts show that outbound tourists buy travel insurance, 10 million note that emergency assistance essential services.