Outdoor Class: How Much Do You Really Know About Outdoor Insurance?
Outdoor travel is a wonderful thing. To make your trip more perfect, safety must also be considered! Have you ever thought about what precautions you need to take when traveling abroad? Have you ever considered purchasing travel insurance? In fact, when you make your travel plan, whether it's group travel, self-driving or self-tourism, you should buy relevant travel insurance, which can not only respond to various unexpected events, but also give you peace of mind, making your journey more joyful.
What kinds of outdoor insurance are there? Below we introduce the types of outdoor insurance. The main product of outdoor insurance: Tourist Accident Injury Insurance, Tourist Personal Injury Insurance, Accommodation Tourist Personal Insurance, Tourism Relief Insurance and Tourism Rescue Insurance, of which the first three are basic insurance.
1Tourist Accident Injury Insurance
When traveling, taking cars and boats is inevitable. 'Fear one ten thousand, just in case.' Buying insurance is like wearing an insurance belt. Mandatory Tourist Accident Injury Insurance premiums are already included in the ticket price. When tourists buy tickets for cars and boats, they are actually insured, and the premium is 5% of the ticket price. Each insurance policy has an insurance amount of two ten thousand. The insurance period is from the inspection and entry to the station or boarding the car or boat, to the inspection and exit or departure from the car or boat.
In the insurance period, if tourists die, are disabled or lose their physical function due to accidents, the insurance company will pay medical expenses and also pay insurance compensation to the injured or deceased's family.
Tickets for flights, cars and attractions all contain insurance, which has the meaning of insurance vouchers. Once an accident occurs, they are the basis for requiring insurance compensation and paying insurance premiums. It should be kept properly.
2Tourist Personal Injury Insurance
Before experiencing the exciting tourist projects in scenic areas, it is best to choose voluntary Tourist Personal Injury Insurance. Now insurance companies offer this type of insurance for 1 yuan per policy and 10,000 yuan per insurance amount. The insurance period is from the purchase of insurance entering the tourist attraction, to the departure from the attraction.
Here we emphasize that tourists can choose to buy or not to buy this insurance according to the size of the safety factor of the tourist project. But it is best to insure when participating in the following tourism: adventure tours, such as the Grand Canyon, cave exploration, desert, grassland tourism; ecological tourism, such as visiting wildlife parks to watch animals, camping and pitching tents in wild plant parks, such as rapids drifting, cliff climbing.
3Accommodation Tourist Personal Insurance
This insurance costs 1 yuan per policy, starting from the time of accommodation, the insurance period is 15 days, it can be extended, and multiple policies can be purchased at once. Each insurance policy has three responsibilities: one is 5,000 yuan accommodation tourist insurance money, two is 10,000 yuan accommodation tourist witness money, and three is 200 yuan compensation for damage or theft of tourist's belongings carried with them. Within the insurance period, if tourists die, are disabled or lose their physical function due to accidents, external attacks, murder or protect themselves or others' life and property safety, or their belongings are stolen, robbed, etc., the insurance company will pay insurance money according to different standards.
4Tourism Relief Insurance
This type of insurance is widely offered by insurance companies in China, and is jointly launched by insurance companies and international rescue centers. Wherever tourists encounter danger, whether at home or abroad, they can call the phone to receive free assistance.
5Tourism Rescue Insurance
This insurance is very suitable for traveling abroad. With this guarantee, tourists will receive free assistance if they encounter accidents or cause legal disputes due to unfamiliarity with local customs and regulations.
