Category: Insurance tips Release Date: 2006-08-01
51 holiday approaching, many people intend to use the Golden Week holidays, his family or invited to travel on Sanwuzhiji. Away from home, might encounter some accidents can buy a travel insurance will undoubtedly be able to reduce the risk of travel to a minimum
With economic development and continuous improvement of people's living standards, tourism has become one of the people's lifestyle, many people resort to become the main form of recreation. With the tourist hot warming, tourism and security has become a focus of attention, passengers should pay attention to purchase the relevant travel insurance in order to spread the risks.
Travel security awareness needs to be strengthened
51 holiday approaching, many people intend to use the Golden Week holidays, his family or invite friends and family to go out on tour. Away from home, might encounter some accidents can buy a travel insurance will undoubtedly be able to reduce the risk of travel to a minimum. Professional survey company in Beijing, Shanghai and Guangzhou survey the three places in the survey, 70% of them travel in the last two years before, but in them, more than 50% has not bought travel insurance, and the other a International Union for the survey can not tell whether they purchased travel insurance. In May 2004 in Hunan, Phoenix travel more than 30 accidents involving tourists in Beijing, no one bought a travel accident insurance. In October 2004, a tourist bus in Yunnan Stone Forest Scenic Area into the lake, five people were killed and 20 injured. Accident prior to tour departure purchased by travel agents and travel agent liability insurance, travel agents, also for tourists to buy this should be a visitor voluntarily purchase personal accident insurance. In accordance with the insurance agreement, visitors to the victims killed in the amount paid by insurance companies should be in 30 million yuan and other injured tourists can be compensated 180,000 yuan per person maximum. According to the National Tourism Administration statistics, the annual foreign visitors to China are about 80 million people, almost 100 percent purchase of travel insurance. This shows that when citizens travel insurance awareness is still quite weak.
In accordance with the provisions of the National Tourism Bureau, travel agents, travel agents, liability insurance must be insured, and tourists as long as the participating travel agencies organize tourist activities, you can enjoy this insurance rights and interests. For travel accident insurance, travel agents are only responsible for recommendation to tourists is not mandatory to buy a specific amount of insurance and the number of days by the tourists themselves. Tourists tend to think that as long as travel agents travel insurance liability insurance, regardless of what problems can be to find insurance companies, in fact not the case. In the case of an accident while on a journey, travel agents, only partly responsible, free time accidents, travel agents, shall not be liable. Watching spots on the way, if the guide had to remind, out of an accident is not the responsibility of travel agents. Therefore, the choice of the insured when traveling travel accident insurance is necessary.
When traveling to buy and which insurance
At present the insurers introduced related to tourism have been dozens of kinds of insurance, insurance, visitors can choose according to need. The insurance industry believe that people are traveling should buy four types of insurance, first aid travel insurance. Such insurance is generally offered by insurance companies to insurance, by insurance companies jointly launched with the International Rescue Center, and visitors, whether inside or outside in the face danger, can make a call to be free aid. Second, passenger accident insurance. This type of insurance mainly for tourists in riding public transport to travel to provide risk prevention services for tourists to purchase tickets and ticket amount of 5% for insurance, each insurance insurance amount to 2 million, of which accident Medical Malpractice Jin 1 million, the insurance period, from the check-stop or on board the ship started on the midway until the tourists get off at check-out stations or disembark only half-way.
Insurance experts say, for travel to participate in adventure travel and adventure tourists, it is best to purchase travel personal accident insurance, type of insurance premium for each 1 yuan, the insurance amount up to 1 million, each visitor can purchase a maximum of 10. Visitors to purchase insurance, insurance for the period from entry into the tourist attractions and scenic areas was made, until the tourist attractions and scenic spots left only. Tourists should buy another type of insurance is life insurance tourists stay, type of insurance for each 1 yuan, from the day stay starting date midnight, the insurance period of 15 days, after which they can be renewed, each visitor can buy multiple copies of . Such insurance provides protection mainly residential insurance 5,000 visitors, guests as courageous and insurance Jin 1 million for the passengers belongings looted by accidental damage or loss of compensation 200. Many insurance companies in their own business websites have launched an online travel insurance products. Customer regardless of when and where, just visit websites of insurance companies, travel accident insurance can be insured, the customer staying at home and the insured can be completed within minutes. It is reported that some insurance plans 51 trips for the family specially designed a new type of packaged travel accident insurance products in the family, "family travel insurance," the product is specifically designed for families traveling during the Golden Week of insurance, insurance procedures is very simple, an insurance policy for the traveling family members will be able to provide protection. In addition, the premium is also very soft. Need only to pay 80 yuan insurance premium, will be able to have 100 million guarantee.
