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Data:2009-12-12 2:34
"Labor Day" Golden Week around the corner, many people intend to use this holiday season out of travel. Many people in the planning of tourism projects, often neglected in advance for their own safety insurance. Should remind everyone of is that, compared to tens of thousands of dollars traveling expenses, as long as a mere ten to twenty yuan a little money to spend, you can request one for their own journey "personal security." Hope that travelers for its own sake, out of the travel insurance errors, in order to buy a holiday travel security
⏿plainly insurance haunt people in Southeast Asia tsunami, tourism and security can not be ignored. Hoping to safely traveling at the same time, we should learn to fully understand them an insurance policy. For most policyholders, the various companies related to insurance should cursory to read it again, do not say so tired No, at the very least dazzling. Most people choose travel accident insurance, in contrast to the premium, the scope of protection, the more often than not which one is best insurance.
To this end, the reporter interviewed in Shanghai insurance professionals, please elaborate on them to help visitors travel insurance. For the only hope for "Labor Day" Golden Week tourists travel insurance can usually be insured a period of 7 days or 10 days of short-term insurance, such as human security, "either I Tour (self-) insurance", Pacific Insurance "short-term traffic Personal Accident injury insurance, "Ping An Life" travel accident insurance "and so on. If you do not just for "51" travel insurance, we recommend you choose a one-year accident protection, such as the Pacific Insurance "individual personal accident insurance," Pacific Life "in the New Century Travel travel security card," the Chinese People's Insurance "personal Accident comprehensive insurance "and so on.
It is worth mentioning is that many insurance companies want to remind consumers through the newspaper, at present a lot of tourists tend to lose sight of their post-Chuxian already in the insurance state. Example tourists traveling trip, the fare has been included within the passenger accident insurance premiums. Passengers to buy tickets, tickets, it actually had voted in the insurance, their premiums by 5% of the fare for each amount of insurance coverage to 2 million yuan, of which accident medical malpractice Jin 1 million, Insurance for the period from half-way ticket on a car stop or boats begin until check-out stations or tourists disembark midway stop. Therefore, to remind consumers will travel by train travel, once the Chuxian should immediately apply for the insurance company to cover claims.
For outbound passengers, you can purchase travel insurance relief. Such insurance is generally offered by insurance the insurance companies, insurance companies jointly launched with the International Rescue Center, and visitors in terms of any place both inside and outside face dangers, can call to obtain free assistance. Ping An Insurance Travel insurance is very simple procedure, tourists can travel directly to the relevant procedures for handling all of the insurance, or directly to the airport insurance.
For the journey possible accidents, the insurance companies have a corresponding insurance, such as personal accident insurance, accidental medical insurance, hospital payments and so on, travelers can choose all kinds of travel insurance coverage, risk transfer. In addition, the need to be reminded that, at present only sell the majority of travel accident insurance group insurance, that is, only for travel, organizing institutions, corporate clients, travel for self-insured individuals for the time being.
⏿travel insurance there is a lot of tourists of the four errors chances are unwilling to buy insurance. There are tourists that travel on it a few days, there is no need to spend money to obtain this protection, so reluctant to dig into their pockets for travel on personal insurance. In addition, some tourists misunderstanding exists, together with the current insurance contract is too cumbersome, once the need for claims procedures are very cumbersome. Therefore, many tourists travel insurance of resistance.
Misunderstandings lead to visitors there is no clear perception of the travel risks, even some perception of risk, but risk may be serious consequences do not know.
Misunderstanding 1: rely solely on the view that since there are a lot of tourists travel travel agency liability insurance, no need to buy an insurance policy. Experts point out that if only liability insurance is a travel agent and does not guarantee the security of tourists throughout the trip worry-free.
According to report, travel agents are buying is the responsibility of the national mandatory travel insurance, it refers to the insurance companies to travel agencies engaged in tourism business activities due to negligence or default of travel agents, resulting in the reception of domestic and foreign tourists suffer economic loss should be the responsibility of travel agents, transfer from the insurance company to pay compensation insurance of responsibility. When the accident has nothing to do with the tour, the tourists will not be able to get this travel agency liability insurance for any guarantees. Thus, when the travel contract signed with the travel agency, travel agents should be recognized on the what kind of insurance, if only on the travel agent liability insurance, you can take the initiative needed to buy other types of insurance, such as travel accident insurance, and to defuse the risks of traveling.
Misunderstanding 2: Traffic accident insurance is usually too literally, some people consider the purchase of vehicles after the accident, and then buy Hangyi Xian is a duplication and waste. In this regard, the staff of the Pacific Life told reporters that unless the products purchased in the same company, terms have special provisions, the usually the products of different insurance companies, insurance rates can be superimposed with each other.
In addition, there will be some tourists traveling by car can not buy traffic accident insurance. Experts have warned that self-drive visitors, traffic accident insurance cover only the insured person riding the passenger public transport that occurred during traffic accidents. Although public transport, including cars, but only includes buses, trams, taxis, do not include passengers in his car. Self-drive tourists do not want to look too literally, blind purchase.
Misunderstanding 3: General Accident insurance covers all accidents are usually the tourists considered that a general personal accident insurance, including all of the accidents. According to professionals, the general personal accident insurance does not include high-risk activities. If you want to engage in bungee jumping, rock climbing, mountaineering, skiing high-risk activities, most likely not be compensated after an accident.
Misunderstanding four: on the average auto insurance will not have other insurance, general insurance on the motor vehicle third party liability insurance and vehicle damage insurance, and car safety of the personnel of such insurance can not guarantee, therefore, before traveling the full Taking into account incidents that may occur as needed on issues such as insurance and other insured persons on board in order to more effectively so that drivers and personnel the same car insurance.
⏿option for insurance At present, many insurance companies have launched a network of insurance. Online insurance insurance, the insured amount is more suited to small, relatively well-defined short-term insurance liability insurance, such as travel insurance. Taikang Life Insurance Company's customers Liu Wei on the adoption of Taikang online, online purchase of travel insurance to complete the whole process of insurance transactions, and confirmed the success.
Taikang online soon after the establishment of cooperation with CITIC Industrial Bank issued a "CITIC Taikang Travel Assist Card." The card has a bank card features, including rescue insurance and accident insurance are two types of insurance, users fill out online insurance policy to pay 20 yuan insurance premium by招行一网通can enjoy a year of travel assistance insurance services. Cardholders travel due to accidental injury or unexpected emergency situation of acute fall into, call 24-hour rescue call, you can arrange timely medical treatment, payment of admission deposit, transfers treatment, shipped back to the original place of residence and other services, insurance companies Rescue services fees paid and cumulative total medical costs paid 50,000 yuan. Users get up and running, from the filling to the final confirmation, just 15 minutes, while the insured through traditional channels, the shortest but also two or three days. /
At present, most of the launch of online insurance services, insurance companies, the design of this business is not very different. The following highlights several major insurance companies in the way of the similarities and differences between insured.
Example Taikang Life's insurance process: in the "Taikang Online" on the selection of the insurance needs of the insured; prompted to fill out insurance in accordance with pages of information, including the insured person entry information (including name, ID number, etc.); insurance premiums paid after the billing information to confirm (Taikang provides a remittance, bank cards and even mobile phone payment and other payment methods); insurance policy number is generated successfully.
China People's Insurance policy recently introduced electronic and online insurance services, insurance processes and Taikang similar to the payment, the People's Insurance There are two kinds of payment: bank card online payment and single-to-pay (salesman personally deliver the policy into the hands of the insured while the insured to pay premiums).
Ping An Insurance and China Life insurance programs on the Internet with the above-mentioned two companies are some differences, mainly because the two companies are introducing an online insurance insurance, require the insured to purchase a specific business network "insurance card", and then on the Internet effect on the activation.
First of all, the major insurance company's Web site select the insurance needs of the insured; Second, according to website prompted to fill in insurance information, including the input of the insured person information (including name, ID number, etc.); Then, in the insured to pay a single message confirmation premiums; and finally, a successful insurance policy number is generated. Pursuant to these operations as long as the insured can be completed insured.
Insured banks in advance, in the corresponding insurance supermarket outlets as well as related insurance card on the Internet to activate the entry into force. Policyholders can also use the bank card payments directly online, postal remittance, to the insurance company direct payment counter. In addition, the Chinese People's Insurance also offers one-to-pay business (clerk to send the policy to the insured person the hands, while the insured to pay premiums), Taikang Life and even provided a mobile payment method of payment. It is noteworthy that the insured's customers to the Pacific to be registered and apply for user name.
