Purchase of overseas travel insurance should pay attention to Insurance Tips

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

The end of 2004 triggered by a strong earthquake in the Indian Ocean tsunami, in just a few minutes and causing a huge human tragedy, natural disaster to the lives of people to produce the same time, once again awakened the community right outside the travel insurance concern. During the holiday season, many wealthy people in China outbound travel planning, insurance, and also has become essential for their safe traveling thing, while reporting on overseas travel insurance needs attention interviewed a number of industry professionals.

Professionals, told reporters traveling with the Chinese people can choose the frequency of trips to enhance and increased number of locations, the corresponding probability Chuxian also increase, the people should enhance the awareness of insurance protection features, choose a strong security, resistance to unpredictable risks. To tourists, the most important thing is should be based on their needs and economic conditions, appropriate, scientifically purchase travel insurance.

On the current problems in travel insurance, professional analysts believe that: At present, the vast majority of visitors a poor sense of self-protection against the risk of tourism in lack of understanding and trust to luck; wish to save money also made a lot of people are unwilling to purchase; insurance small, select room is small, insurance, and can not accommodate visitors in the tourist encounter a variety of risks; In addition, insurance consignment network also makes a number of visitors premature to give up their own protection.

Professionals to remind the vast number of tourists, do not believe that liability insurance will be able to buy everything and travel agents, traveling abroad to buy a "travel agent liability insurance," on the end of the story, in fact, most visitors travel insurance for a "travel agent liability insurance," and tourists Personal the insured "travel insurance" there is no clear understanding of the travel agencies that are clearly set out quotations on the "travel agent liability insurance" has with tourists of different accidents liability insurance. In fact, the "travel agent liability insurance," primarily by the travel agency responsible for the loss and damage caused by visitors to compensation, but by force majeure, such as earthquakes, tsunamis and other natural disasters tourists human and property losses, are not within the scope of its responsibilities. Tourists in the tourist trip, by its own due to a variety of diseases, loss or damage to personal negligence as a result of tourists, personal injury and property loss and the resulting fees and so on, are also not in the "travel agent liability insurance" in payment range. Individual purchase of travel insurance is completely different - as long as the contract of insurance incidents, whether it is the responsibility of travel agents, personal negligence, or due to other types of unexpected events, customers can be protected.

Outside the current selection for the consumer travel insurance should pay attention to what matters, these professionals are generally recommended, mainly in four areas:
First, those interested in traveling abroad must consider the trips before the accident and emergency relief, including a double protection of overseas travel medical insurance. As the tourists traveling to the choice of location is not very familiar with most of the accident and emergency medical double protection is particularly important, with the double protection of overseas tourists will be more conducive to cope with unexpected risks in foreign countries to protect the quality of traveling.

Second, we must give full consideration to purchase insurance protection period. Tourists should be according to their own travel itinerary, according to the number of days required for the sum insured and the insured, to choose a tailor-made for their own insurance policies.

Third, we should seriously look into the contents of the emergency rescue services and the provision of such services to offshore rescue the company's service levels. Including foreign aid agencies in the world network conditions in the tourist destination of service conditions.

Fourth, plan to travel in Europe, Schengen countries pay special attention to the insurance amount. According to the provisions of the EU Council, from June 1, 2004, the handle travel medical insurance is a Schengen visa issued by the basic premise, and the minimum guaranteed amount to 3 million euros. Some tourists once because the purchased amount of overseas travel insurance protection is less than 3 million euros, but had to re-insurance.