Don't slip if you see this.
How to buy travel insurance is the most cost-effective?
Look at me this is enough. Be sure to pay attention to these points.
Or you'll be screwed!
As the domestic epidemic continues to improve, most companies have already realized the resumption of work.
Counting the days, the May Day holiday is also almost here, I believe that many people have been unable to hold back want to go out to wave.
Mr. Kurtis understands this feeling very well, since the outbreak of the epidemic, everyone is basically not out of the door, more or less may be a bit suffocated.
But just as the starting point, when you want to book a ticket on certain travel apps (X Cheng, Go X),
the set-up comes.
If you don't pay attention and rush to place an order (by tapping on the big word "book"), you'll be defaulted to buy this airline accident insurance.
Instead, the non-compulsory general booking is written in small letters and placed in a small corner.
Be sure not to take the version with the accident insurance.
Be sure.
Air accident insurance itself is a very meaningful product,
Traveling by air, although the probability of encountering an accident is extremely low, but once it occurs, there is basically no possibility of survival.
So there is nothing wrong with buying an aviation accident insurance policy.
The problem is that these travel apps offer low cost of ownership.
These apps take advantage of information asymmetry to make a price difference! It's supposed to be less than 2 dollars, but these apps dare to sell it for tens of dollars!
Take the airline accident insurance sold on the X Cheng app:
Subtracting the $10 voucher, what does this $30 insurance actually cover?
-Insures against accidents on a single flight.
That means one coverage ends from the time you get on the plane until you leave the airplane door.
Thirty bucks is gone.
But I'll tell you the truth:
Many aviation accident insurance policies on the market, for the same amount of coverage,
spend 25 bucks, you can be insured for a year, and fly as much as you want for a year!
In comparison, Ctrip's 30 bucks to cover only one flight is weak!
For example, this one:
5 million coverage, fly as much as you want for a year for only $25, which is great for airbenders.
But if you don't fly very often, you can actually consider short-term products,
such as this one on Alipay:
$5.80 for $5 million of coverage for only 10 days.
Maybe there are still people who think that 30 bucks spent is spent,
Relying on this kind of thinking of many people, these travel apps rely on the sale of aviation insurance alone, the year's premium income can reach hundreds of millions of dollars, even more than the sale of train tickets to make more money.
And what would have been $30 actually costs only $5.80,
Wouldn't it be nice to buy a cup of milk tea and drink it with the money you saved?
And if you fly more often, you can save a lot of money without realizing it.
So people should never buy accident insurance sold on platforms like these!
Writing this, the article is far from over.
Because the above is just about aviation accidents, but there are many accidents that people may encounter when traveling. In fact, it is more recommended that before traveling, it is best to buy a travel insurance for yourself and your family,
Spend a few dollars, more or less two dozen dollars, you can insure a variety of accidents during the trip, like plane delays, lost luggage, and a variety of accidents can be insured. Travel insurance is a much more practical option for traveling, doesn't it smell better than accident insurance that only covers a single flight (train)?
So next, let's go over some of the basics of travel insurance.
Travel insurance is known as travel accident insurance, which is a type of accident insurance.
So it has all the 3 major benefits of accident insurance: accidental death, accidental disability, and accidental medical.
Besides that, travel insurance also has some additional coverage specifically for travel, such as airline delay/cancellation, loss of belongings, sudden illness rescue and so on.
So in the case of existing accident insurance, whether it is necessary to supplement a travel insurance also need to be specifically measured.
Travel insurance is a supplement to accident insurance for accidents that may occur while traveling.
We are in the selection process, to measure their actual needs to buy.
The so-called actual needs are often very specific and trivial,
Gongzi listed some situations that can be thought of for your reference;
Normal activities in domestic city tours:
Normal outings, no dangerous projects are arranged,
If you already have an accident insurance policy, there is no need for you to buy a travel insurance policy.
Of course, if you don't already have accident insurance, you can spend a few dollars and buy a travel insurance as a travel protection.
Self-driving tour:
Self-driving trip, both personal safety and driving safety.
If you suddenly get a flat tire, stall the engine, or even run out of gas, it's very troublesome.
So if you go out on a self-drive trip, it's best to include self-drive rescue liability in the additional coverage of your travel insurance, so that you can use it to reimburse the money for the tow truck in case your car breaks down in the middle of the drive.
Traveling with children and pets:
Traveling with children and pets is better suited for third party liability insurance.
If the bear children, pets accidentally caused other people's personal, property damage, this coverage will help you pay money to the injured party.
High-risk sports:
If you arrange for high-risk sports such as mountaineering, diving, rafting and other high-risk sports, which are not covered by ordinary accident insurance, you can supplement a high-risk sports insurance.
Overseas travel:
Because of the recent epidemic situation abroad is very serious, Gongzi think it is best not to go abroad, and now stay at home can be too much safer than abroad.
But if you must go abroad, pay attention to two points:
One is to buy enough accidental medical coverage abroad;
Domestic travel we have medical insurance reimbursement,
But want to go abroad to play, especially Europe and the United States and other areas of high medical costs, must pay attention to buy enough accidental medical coverage.
Europe and the United States developed countries, at least 300,000 yuan ($40,000); Southeast Asia, Hong Kong, Macao and Taiwan, more than 100,000 is more appropriate.
The second is the foreign rescue service is more important;
People in foreign countries, medical transportation (ambulance), medical repatriation (get sick to send back to the country) and other services of the insurance is more important, if you have purchased the insurance does not have, you can supplement a, this service is often a relief of charcoal.
Public recommended a few of their own commonly used travel insurance, you can refer to:
Domestic travel: the history of the belt smooth travel Huaxia domestic travel insurance
If only domestic travel, and has bought accident insurance, then there is no need to buy this.
Currently this is a more cost-effective travel insurance:
Claims phone number: 40099-95507
This travel insurance is very cheap,
accidental death and disability of 300,000, accidental medical care of 30,000, the death of an acute illness of 30,000, the accidental hospitalization allowance of 300 yuan / day.
Accidental medical 0 deductible, and unlimited social security drugs.
These responsibilities add up, 10 days a *** only cost 12 yuan,
Cheap price, protection and real, domestic travel can consider it.
Domestic self-driving tour: Allianz Think Self-driving Protection Plan
Claims phone: 400-800-2020
Ahead of that, self-driving trip, in addition to protecting people, but also pay attention to the safety of the car.
This Allianz Smart Self-Driving Protection Plan, the corresponding responsibility is very good:
Going halfway to the road stalled, within 50 kilometers of free towing;
Driving halfway to a flat tire, there is a roadside quick repair service;
If the same day can not be repaired, the insurance company will also pay out of pocket to find a place to stay;
If you want to continue to travel, there is also a travel allowance;
Reimbursement of one-way train tickets within 1,000 kilometers, and economy class air tickets beyond 1,000 kilometers.
It's not easy to come out to relax and body and mind, there are such bad things, with these intimate protection,
still able to pack up the mood, continue to wave!
High-risk activities: outdoor sports within the Strip
Claims Tel: 40099-95507
The explosion of short videos has allowed us to see more interesting extreme sports.
Like bungee jumping, skydiving, scuba diving and so on ......
So we all go out this time, if you play more wild, like this kind of high-risk sports, you can choose this history belt within the territory of outdoor sports.
There are three kinds of coverage plans, you can choose according to demand:
For example, in Plan C
Cliff fall, drowning accidental death, loss of mountaineering equipment, loss of scuba diving equipment and so on are covered.
The coverage is for 3 days and the premium costs 50 bucks.
Overseas travel insurance: the band Le Tour global travel insurance (for the time being does not recommend going abroad)
Claims report: 40099-95507
Emergency rescue: 400-820-7031
Overseas travel, we often hear of these three insurance companies:
Allianz, AIGA, and the band.
(Because these three have their own rescue team)
I usually use this band Le Tour global travel insurance, the price is relatively cheap, and the coverage is very comprehensive.
Contains three plans: Silver, Gold and Diamond.
The coverage is divided into four major blocks:
Basic coverage, medical coverage, travel accident, and financial coverage
What you think of, what you don't think of it covers.
It can cover everything from kidnappers to small visa refusals.
The cost isn't too high either, the silver plan, which costs $70 for 7 days of travel, is pretty good.
But in the near future, Gongzi does not recommend that you go abroad, you can wait for the epidemic to stabilize.
Before traveling, Gongzi also want to remind you of a few things:
One, travel insurance should be purchased in advance;
Policy purchased one day in advance, the payment will take effect the next day.
The second is that no matter what kind of insurance you have bought (aviation accident insurance, travel insurance), you should notify your family after you have bought it;
In case of a big accident, the insurance company won't take the initiative to settle the claim if the person is no longer alive, so you must remember to tell your family about it.
Thirdly, the current situation does not allow you to let your guard down; you should wear a mask and cooperate with local policies.
Wishing you all the best when you are out and about.
Insurance information asymmetry ten buy nine pit, want to know more about the insurance dry goods, welcome to pay attention. Buy the right insurance to save half the money! (肆大财子全网通用ID：sidacaizi333)