This winter, Harbin is properly on fire. Among the major platforms, stories such as "How rare is the Northeast and the small potatoes in the south" and "Little potatoes bravely enter Harbin" continue to be updated.
Only the past New Year's Day holiday, according to relevant statistics, Harbin City has received a total of 304 tourists790,000 person-times, achieving a total tourism income of 591.4 billion yuan, both of which reached historical peaks.
In 2024, the national cultural tourism war is in full swing, and under the bombardment of "sea tactics", "beauty schemes", and "spending a lot of money", Henan has successfully attracted the attention of the whole network.
At the Luoyang high-speed railway station, there are 185 handsome guys, dressed in noble clothes, standing in the column, shouting "Princess, please go back to the palace" domineering pick-up station.
All parts of Henan have responded to the demands of netizens, and it has pushed the behavior of pet fans to a new height.
Because of the sentence of foreign netizens who want to see peonies, Luoyang urged the peony flowers that bloomed in spring overnight.
Who can sit still? Many people shouted that they wanted to go skiing in Erbin and go to Henan to see Brother Yu.
Seeing that the Spring Festival is coming, after packing your luggage, don't forget to prepare a travel "artifact", as little as a few pieces, as many as hundreds, you can cover the unexpected risks of holiday travel, that's itTravel accident insurance
Whether it is going home for the New Year, traveling or self-driving, it can be guaranteed and cost-effective.
1. What is Travel Accident Insurance? Travel accident insurance, simply put, is for the duration of the contractCovers unexpected risks that may occur during the trip.
The premium of travel insurance products is not high, generally between 10 yuan and 500 yuan. The specific amount of insurance can generally be determined by referring to the number of days of travel, the consumption level of the travel area, etc.
Travel insurance should not be greedy for cheap premiums, and should be purchased according to your actual needs as much as possible. For example, the elderly should have high medical insurance, while the young and children should pay more attention to accident protection.
2. What does travel accident insurance cover? Common examples include accident insurance, which covers risks during the ride.
This is a travel insurance that is displayed when buying a train ticket, and it is a typical travel accident insurance.
A few dollars can buy hundreds of thousands of insurance dollars and tens of thousands of accidental medical reimbursements, but the insurance period only covers the process of riding the car, only the accident in the car.
In general, travel accident insurance may include the following types of coverage:
1. Personal accident protection.
During the journey, if an accident occurs resulting in death or disability, the insurance company will pay a sum of money according to the contract.
2. Accidental medical insurance.
During the trip, medical expenses incurred due to accidents are reimbursed according to the provisions of the contract, and some products also have hospitalization allowance.
3. High-risk sports protection.
This is suitable for "high-risk players", people who want to play high-risk sports, such as mountaineering, skiing, horseback riding, etc., can buy a relevant insurance in advance to prevent accidents.
4. Personal property protection.
If you lose your belongings, money, etc., this benefit can be paid according to the corresponding rules to reduce the loss. It is very suitable for many friends who go out with equipment, such as photographic equipment.
If you have money or not, you can go home for the New Year, and your travel during the Spring Festival is still dominated by "going home".Focus on the first two, personal accident protection and accidental medical protection, and choose the last two products according to your needs.
3. How to choose travel accident insurance?
As mentioned earlier, most people choose travel accident insurance to focus on personal accident and accidental medical protection, and comprehensive accident insurance can meet this need.
For the personal accident insurance part, when traveling during the Spring Festival, you can pay attention to the additional compensation for traffic accidents of accident insurance, such as train accidents, self-driving accidents, etc.
Secondly, pay attention to the amount of accidental medical insurance, generally choose more than 20,000, if the customer does not have commercial medical insurance, the higher the accidental medical protection, the better, if there is already medical insurance, 2-30,000 is enough.
In terms of reimbursement, products with low deductibles and unlimited social security reimbursement are preferred, and the protection is more practical.
In addition, it is necessary to pay attention to the effective time of the product, comprehensive accident insurance generally takes effect the next day after insurance, and some travel accident insurance can be selected by yourself to take effect, and you can buy it in advance in combination with your own travel plan.
Fourth, the specific products are also aimed at different destinations
1.*Qinghai, Yunnan, Guizhou and other plateau areas.
Traveling to the plateau area usually covers outdoor sports such as hiking, mountaineering, rock climbing, camping, etc., considering the special environment of the plateau area, and some people will also experience altitude sickness, it is recommended to purchase travel insurance for the plateau area. Some insurance companies have launched plateau travel insurance, which is more targeted.
2.Other areas and road trips.
In addition to the above-mentioned plateau areas with special geographical environments, there is basically no big difference in purchasing travel insurance when traveling in other parts of the country, as long as it covers accidents, medical treatment, rescue, obstacles (flights, baggage delays, etc.), personal finances and other aspects of protection, and the amount of protection for each item can be adjusted according to your travel destination. If you mainly visit natural scenery such as mountains and waters, you can appropriately increase the coverage of accident insurance and medical insurance.
5. Precautions for purchasing travel insurance
1.It is desirable that the insurance period is equal to or greater than the travel period.
In general, the insurance period of travel insurance is calculated from 0:00 on the day, and you only need to ensure that you are covered for the entire travel time, and the extra time does not need to be too long.
2.Read the disclaimer carefully.
When applying for insurance, most people will not read the terms of the insurance in detail because they are too long and complicated. It is important to note that you don't need to look too carefully at the general terms, but the disclaimer is very important and must be read carefully. Some travel insurance plans do not cover high-risk activities such as horse racing, rock climbing, diving, skiing, bungee jumping, adventure, surfing, etc. If your itinerary includes these items, you should choose an insurance product that covers them to be more covered.
3.You should also purchase your own insurance for group tours.
Travel agency liability insurance insured by travel agencies, it only covers the loss of tourists caused by the travel agency's own negligence, and travel agencies and insurance companies are not responsible for compensation for losses caused by various external accidents, such as natural disasters. In addition, the travel agency is not responsible for accidents that occur during free time. Therefore, it is recommended that friends who travel in a group should also buy a travel insurance to bring more complete protection to themselves.
The end of the year is approaching, pay tribute to the winter Sui, peace and joy, and all things are victorious.