Prepare for long holiday trips armed Insurance Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

The annual "11" golden weeks in turn came, I think many people have the impulse to contain himself out of play. Insurance experts have warned that tourists enjoy eat, drink at the same time, we should pay attention to safety first; the same time, bought plenty of insurance before traveling, will undoubtedly make travel even more peace of mind.

Since the frame free ride people are required to buy insurance

Car owners are more and more Zijia You still this year's "11" vacation hot spot. Insurance expert analysis, self-driving trips in addition to the risks faced by everyday traffic, there are some special risks: drivers of the long-haul traffic are not familiar with the complex, resulting in collisions, to subvert the high probability of the accident; golden week tour more crowded, Guaceng probability is high; the highway a high probability of a major traffic accidents; parking lot that is not fixed, robbery probability is high; in the mountain road in the event of bad weather, landslides, landslides are relatively high probability; Self-driving traveling staff face increased risk of unintentional injuries.

â•?strong>Insurance Misunderstanding: "My car itself, insurance coverage, buying a travel accident insurance does not matter." Preparing a self-driving trips, said Mr. Wang. But the reporter has learned that the insured motor vehicle officials will be available after risk drivers and personnel in the same car insurance coverage, while the third-party insurance compensation objects confined to a third party accident victims.

â•?strong>Insurance Guide: driving trips all kinds of things may occur, so the insurance should be completion. If you did not buy the entire vehicle Daoqiang Xian, it may consider to spend about 100 yuan a month of the entire vehicle Daoqiang Xian insured against any eventuality; if not insured the vehicle personal injury liability insurance, each seat could be considered insurance 20,000 yuan a month, spending about 25 yuan; if Driving Status is not very good, could be considered one-month loss of vehicles insured risk, cost about 150 yuan, 200 yuan a day paid to make up for damage to tourism caused by the loss of vehicles during the period. In addition, personal accident insurance is also a top priority. Consumers according to their number of days traveling, and risk status of free choice of the short-term personal accident insurance.

â•?strong>Chuxian coping strategies: be sure to take a good travel insurance policy before the original, the insured person ID card, a driver, the driver driver's license. Once the remote Chuxian, first of all to remain calm and not because it affected the play of mind Chuxian; should promptly call the insurance company service phone number, reported to the local insurance companies (insurance-related documents required to hold), by the rapid delivery of claims services to local companies.

â•?strong>reminded: traveling before the trip carefully and objectively analyze the risks that may be encountered, select the appropriate insurance; insurance auto insurance insurance policy when you have to see clearly there are no driving restrictions on the region; road the owner of broad regional comparison in the choice auto insurance when the insurance company should pay special attention to the service network and off-site claims capability to ensure that the vehicles wherever they Chuxian, insurance companies able to provide timely claims services.

â•?strong>insurance Recommended: Pacific Life Insurance launch of the "New Century personal accident insurance, subsection B," People's Insurance's "comprehensive Zijia You insurance", Taiping Life Insurance Beijing branch, "the United Confederation of self-driving car accident insurance" and so can be provide Zijia You guarantee.

Personal Accident Insurance essential accompanying tour

Do not think that will reduce the travel risks with the corporation. In fact, with the tour group also faces a lot of the risk of accidents, for example, in tourism that may arise during natural disasters; the road, may appear on vehicles traveling the risk of accidental injuries; in tourist spots of accidents; accommodation, the physical abuse as well as property loss and so on.

â•?strong>Insurance Misunderstanding: Some consumers believe that long-distance bus tickets inside contains insurance, tickets also contain a number of scenic areas, insurance, buy a travel accident insurance it not superfluous? In this regard, an insurance person explained that the tickets with insurance, liability insurance is also a matter of fact, when the accident belongs to car owners can be compensated; tourist attractions are also mostly liability insurance, personal accident insurance to individual with the amount of insurance is also very low, and the small scope of protection.

â•?strong>Insurance Guide: accident insurance at the same time, we must look at the responsibility of each individual insurance. Some products only protect the accidental death, while others also include accidental disability and accidental medical care. The proposed insured to purchase includes accidental disability and accidental medical products, in order to obtain greater protection.

If the tourists do not often go out the option of short-term insurance products; if often go out to purchase a one-year accident insurance products, thus avoiding sub-sub-buying trouble.

â•?strong>Chuxian coping strategies: Once the offsite visitors Chuxian, shall promptly call the insurance service phone number, reported to the local insurance companies (insurance-related documents required to hold), by the rapid delivery of claims services to local companies.

â•?strong>reminded: If the travel agency liability insurance in addition to other things not covered by insurance accident insurance products will not receive any compensation for travel agents. Travel agents, travel agency liability insurance for their own department's "belt", cover is their own fault due to travel to the loss of tourists, while a variety of external accidents, such as natural disasters and other losses, travel agencies and insurance companies are not responsible for compensation .

Rock climbing, non-powered glider, adventure of rafting, scuba diving, alpine skiing, bungee jumping, surfing caused by high-risk activities, personal injury or property damage that some provisions of the Accident Insurance is not compensable, tourists buy travel insurance must pay attention to these items whether within the scope of protection.

â•?strong>insurance Recommended: It is now the market is more and more products to choose from, such as the Pacific Life's "New Century", Ping An Life "travel green card", China Life's personal travel accident insurance, travel protection Taikang Life Cards, macro On-line accident insurance.

Preferred outbound travel assistance insurance

Outbound travel has become a kind of a lot of modern fashion, but the Indian Ocean tsunami, the United States, "Katrina" Hurricane tips to people, tsunamis, typhoons, landslides, etc. the risk of accidents threatening people's lives. In addition, due to "totally unfamiliar" in the possibility of accidents that occur outside is much higher than the domestic.

â•?strong>trips insurance reserve: Due to the insurers for the foreign travel accident or medical insurance, the amount is different from the insured before consumers learn more about and compare the relevant provisions of the insurance companies, according to its own economic conditions and the actual demand, to purchase suitable travel outside of their own accidental injury or medical insurance.

â•?strong>insurance guide: if the insured is to conduct outbound travel, insurance companies are recommended to choose emergency services outside the insurance company products. At present, China Life, Taiping Life, friendly, safe, Pacific Life Insurance and other insurance companies introduced overseas emergency services, such as the Pacific Life has become with the SOS, AXA international relief, excellent co-operation at the same time S & P Global rescue insurance companies. The procedures for such insurance coverage is very simple, tourists can travel directly to the relevant procedures for handling all of the insurance, or directly to the airport insurance.

â•?strong>Chuxian coping strategies: Travel assistance insurance is insurance companies and jointly launched International SOS, the visitors once encountered any place inside and outside danger, they should immediately call the rescue partner agencies to obtain free telephone assistance.

â•?strong>reminded: aid agencies should bear in mind a service call, a good rescue is more important than the ex post facto claims; to enhance risk awareness, reducing accidental injuries; pay attention to food hygiene, to reduce the incidence of sudden illness; to comply with travel by local laws, regulations, to the regular attractions and so on.

â•?strong>insurance Recommended: China Life outgoing personnel accident insurance, the Pacific Life overseas personnel accident insurance A, B section, friendly "offshore travel accident insurance," Ping An "overseas travel green card", Allianz Dazhong's "OurGame outside Travel insurance "and so on.