Specific Content: With the arrival of summer vacation, more and more families are choosing to travel as one of their ways to take a holiday. While travelers indulge in sightseeing and enjoying nature, they often overlook many uncertain factors that could lead to unexpected accidents at any time. So, what measures should be taken to minimize the economic losses caused by such accidents?
Expert Advice: Before traveling, it is not a bad idea to purchase a travel insurance policy specifically designed for tourists. This type of insurance provides timely assistance and corresponding financial compensation when travelers encounter specific accidents during their trips, ensuring comprehensive protection for themselves and their families.
Currently, domestic insurance companies offer mainly four types of travel insurance services:
Travel Personal Accident Insurance: This type of insurance is the most practical and necessary for all outbound tourists, with affordable premiums and maximum coverage up to 10,000 yuan. The insurance term starts from the moment the insured enters the tourist attraction or scenic area after purchasing the insurance and ends when the insured leaves the attraction or scenic area.
Travel Assistance Insurance: This type of insurance, jointly launched by China Life Insurance, Pacific Insurance, and the International Rescue Center (SOS), expands the service of traditional travel personal accident insurance from post-incident claims to providing timely and effective assistance during an accident. Tourists can obtain free rescue services by calling a dedicated hotline wherever they encounter danger, both domestically and internationally.
Passenger Accident Insurance: This type of insurance provides risk prevention services for tourists while using transportation. Five percent of the ticket price for buses and ships is allocated for insurance, with each insurance policy covering up to 20,000 yuan, including 10,000 yuan for accidental medical expenses. The insurance term starts from checking in at the station or boarding the vehicle/ship and ends when the insured checks out of the station or disembarks.
Travel Accommodation Personal Insurance: Each policy costs 1 yuan, starting from midnight on the day of accommodation, with a 15-day term that can be renewed upon expiration. Each traveler can purchase multiple policies. This type of insurance offers coverage including 5,000 yuan for accommodation travelers' insurance and 10,000 yuan for acts of bravery. Compensation is also available if the traveler's personal items are damaged unexpectedly or stolen, robbed, or lost.
Regarding the existing insurance options, experts suggest: Tourists should appropriately and scientifically purchase travel insurance based on their needs and financial conditions to achieve a win-win situation between economy and enjoyment.
American International Assurance (AIA) offers two types of travel accident insurance products: domestic travel insurance and overseas travel insurance. The insurance methods are flexible, with terms ranging from 1 day to 180 days, and reasonable prices.
AIA is a wholly-owned subsidiary of the world's largest financial insurance group - American International Group (AIG). AIG's member companies are present in over 130 countries and regions globally, forming a complete and powerful AIA service network to provide global services to AIA customers. As an AIA customer, you can enjoy numerous conveniences provided by AIA's global service network no matter where you are. The American International Assistance Service (AIAS) offers free Mandarin-speaking telephone inquiry services for medical, legal, and interpreter referrals when traveling or working abroad. Additionally, overseas payment, overseas rescue, and overseas claims services are also available for free. For more information, please visit the website:
http://www.aia.com.cn.
AIA Global Travel Accident Insurance
Low premium, high coverage, includes illness and accidents, exclusively offers outpatient medical compensation benefits abroad, and comes with an AIAS card. This product applies to overseas travel.
AIA Enjoy Travel Accident Insurance
Affordable premium, 24-hour global coverage, comprehensive travel accident protection, and additional public transportation accident insurance. Ideal for family trips, whether traveling domestically or internationally.