This year's parents are too rolled!
Mafengwo**: Family parent-child customers account for 42% of the Spring Festival travel population
Tuniu's booking data: The number of family trips during the winter vacation accounted for nearly 54%.
Taking advantage of the current winter vacation and the upcoming Spring Festival, many parents either take their children to travel at home and abroad, or send them on study tours abroad.
But as parents know, children's physiques are different from adults'. Long-term travel and study tours are unbearable and easy to occur, and safety issues should also be paid attention to during travel!
So how to have a safe and happy winter vacation, you may wish to back up travel insurance for yourself and your children before the parent-child school trip!
Which scenarios are suitable?
1.Travel with babies at home and abroad.
Parents take advantage of winter vacations and holidays to take their children to travel at home and abroad on weekends to experience the great rivers and mountains of the motherland and foreign scenic spots. However, I am afraid that my child will suffer from heat stroke or acute gastroenteritis during travel, and I am worried that my child will be injured when participating in outdoor activities, so I want to take out travel insurance to ensure travel safety.
2.Overseas study tours.
During the winter vacation, I plan to send or accompany my children to study abroad to increase my knowledge. However, if you are worried that your child will be infected with an infectious disease during your study tour, or if you are worried that the institution will not be able to guarantee the safety of your child during your study tour, you can apply for overseas travel insurance.
3.Participate in a research winter camp.
Nowadays, more and more parents are sending their children to study or winter camps. But whether it is a study or a winter camp, it will involve bus transportation and food problems. In order to increase the fun of activities and improve children's physical fitness, some will also add outdoor adventures, sports and other items. As a parent, you can prepare travel accident insurance for your children in advance to ensure their safety during the event.
What kind of insurance can I buy?
1.Domestic tourism.
Parents and children - "Protect the world" happy travel standard guarantee.
It is suitable for parents and children who are preparing to travel by car, and it is also suitable for sending children to study and winter camps. Designed to protect the personal and property safety of travelers during their travels. In addition to accidental and acute death, dismemberment and medical treatment, colds, fever and heat stroke are covered.
1. Scope of protection.
Accidental and acute death and dismemberment (including sudden death).
Public transport accidents.
Accident and acute illness medical treatment (including heat stroke).
Ambulance expenses, hospitalization allowance.
Medical evacuation and repatriation.
personal liability and so on.
2.Overseas travel and study tours.
Parents and children – Protect Travel Worldwide Travel Insurance.
It is suitable for families whose parents are traveling abroad with their children to visit relatives. Provide security for those who go abroad during their stay abroad, including death or disability due to accident or acute illness, hospitalization due to accidental injury**, and acute illness medical treatment that parents are most concerned about.
1. Guarantee content.
Accidental and acute illness death and disability.
Medical benefits (accident and acute illness medical treatment).
Personal liability is included, and high-risk sports are covered.
The annual coverage can be insured for 365 366 days at a time.
Including delay protection, property protection and other protection.
Kids – Little Explorers Travel Protection Plan.
If you are just sending your child to study abroad, you can consider it, which can meet most of the needs for safety and security during the period of going abroad. It is recommended to choose a 50w insurance plan in areas with high medical costs, such as the United States, Canada, Australia, Japan, etc.
1. Guarantee content.
Accidental death and disability.
Medical benefits (accident and acute illness medical treatment).
Including personal liability, medical evacuation and repatriation.
Including delay protection, property protection and other protection.
Why buy travel accident insurance
1.High medical costs abroad.
Medical costs abroad are generally higher than those at home, especially in developed countries such as the United States, Canada, Australia, the United Kingdom and Japan. In the absence of local preferential medical policies, the cost of light examination for a minor illness is several times or even a hundred times that of China.
2.The child has a weak physique.
Compared with adults, children are more likely to suddenly fall ill or be injured during travel and study tours. For example, cold, fever, heat stroke, or bruises. If you are traveling on a holiday, the crowd is dense and crowded, and the child is more likely to get sick.
3.Travel Risks during the study tour.
Tourism: Accidental injuries while visiting scenic spots, theft of property during the tour, flight or luggage delays, etc. are unpredictable. Many parents will also take their children to experience outdoor sports, which are more risky and more likely to cause accidents.
Study tour: If you are sending your child to study abroad, you are basically looking for an institution to sign up. However, some institutions do not provide students with travel accident insurance, and they need to purchase their own. If you are traveling alone, it is not as safe as following a group. Whether you are signing up for an organization or traveling alone, it is more reassuring to have a travel accident insurance.
Common considerations.
1.The amount of coverage can be selected according to the destination
1) Outbound travel needs to ensure that the amount of medical insurance is sufficient. And find out in advance whether the destination has clear regulations on insurance. Developed countries recommend starting from 30w, and Southeast Asia starting from 20w.
2) Areas with frequent theft and robbery - comprehensive protection for personal property losses is required; Areas lacking public security - need to buy high amounts of accidental injuries and medical insurance. Areas with underserved medical facilities and technology – need to cover emergency medical evacuation and return.
2.Domestic and overseas hospitals have different requirements for reporting accidents
In the event of a robbery or accidental injury, it is necessary to give priority to seeking medical treatment, report the case in a timely manner, and properly keep the medical treatment materials and the evidence of the theft and robbery report. (Need to report the danger within 24 hours).
Domestic Accident Report: The hospital** must be a public hospital of Grade II or above.
Overseas accident report: You must go to a regular medical institution that is legally operating and has 24-hour medical services.
3.When does it take effect after purchase?
Same-day purchases will take effect as soon as the early morning of the next day. If you purchase a few days in advance, it is recommended to apply for insurance at least one day in advance.
If you travel abroad on holidays, you should pay attention to the coverage period of travel insurance. It is recommended to purchase as far in advance as possible and travel for an additional 1-2 days to avoid exceeding the coverage period due to travel delays or other reasons.
4.Travel and study tours to Hong Kong, Macao and Taiwan in China
Some travel insurance plans do not cover Hong Kong, Macao and Taiwan, so you need to purchase overseas travel insurance for travel and study tours to Hong Kong, Macao and Taiwan.
5.Plateau or island tours
1) Plateau travel or island travel, with a high probability of sudden acute illness, such as heat stroke, acute gastroenteritis, sudden death, etc. (but subject to the terms and conditions of the insurance), it is necessary to cover the liability for acute diseases.
2) It is also advisable to expand emergency rescue services, and may also be sent to the hospital for treatment in a timely manner according to the condition and needs of the condition.
Koto has something to say
It is very important for children to travel and study to ensure safety! Acute illness responsibility and rescue services must be available! All three of the above are high-quality travel insurance plans that are selected according to different needs
Travel insurance