How to buy short-term travel insurance

Insurance Xiaobian helps you answer, and more questions can be answered online.

1. Choose according to the mode of travel: nowadays, the means of transportation for going out for travel are generally cars, trains, planes and ships. Therefore, travelers can buy short-term travel insurance according to their own modes of travel. If the traveler chooses self-help travel, the insured can buy insurance from the insurance company, but the cost of purchasing the insurance policy alone is higher.

2. Choice according to travel risks: travelers can also buy different amounts of insurance according to the risks of participating in short-term tourism projects. At present, insurance companies have designed insurance products with different days and different accident protection and medical insurance. The premium for 10 yuan -50 yuan ranges from 100,000 yuan to 500,000 yuan. Under normal circumstances, the minimum accident protection is 100,000 yuan and the medical insurance is 10,000 yuan.

3. Short-term travel insurance is comprehensive: Some tourists think that they have bought some accident insurance, so they don't need to buy short-term travel insurance when they go out. In fact, this view is somewhat one-sided, because short-term travel insurance is tailor-made, so its coverage, including "accidents, medical care, emergency rescue, transportation expenses paid for return", is far more comprehensive than other insurances.

Considering buying travel insurance for short-term travel, visitors can refer to the following points:

1. When tourists go out to play, the most important thing is to ensure that the travel insurance period insured shall not be less than the short-term travel days of tourists.

2. When tourists consider short-term travel insurance, the amount of insurance products they choose should be higher than the risks that tourists need to bear.

3. For the insured who has a short-term travel plan and wants to reduce the travel risk, it is necessary to choose accidental injury medical insurance or accidental injury hospitalization allowance insurance or medical rescue service.

The following introduces the above two necessary travel insurance:

1. Accident medical insurance

If the insured has an insurance contract accident during the travel, he shall go to a public hospital above the second level or a medical institution recognized by the insurance company for treatment within 90 days from the date of the accident injury. After the actual medical expenses meet the local basic medical insurance payment standard, the insurance company will compensate the insured for the medical expenses by 80% after deducting 200 yuan.

2. Accidental hospitalization allowance insurance

If the insured needs hospitalization due to accidents during the insurance period, and receives hospitalization in a public hospital above the second level or a medical institution recognized by the insurance company, the insurance company shall pay the daily hospitalization allowance insurance according to the hospitalization day, but the maximum hospitalization day is limited to the days specified in the insurance policy. General 50 yuan/day, 30 days.