Travel Electric dealer A variety of intimate risks hidden restrictions

Absrtact: September 29, the National Day of Gold holiday will be, the tourism market popular big curtain opened. In the area of tourism insurance, Beijing financial channel found that many of the tourism business platform on the emergence of a variety of intimate risks, such as the cancellation of travel, property loss and even the bank card theft brush, etc.

September 29, the National Day gold holiday will be, the tourism market hot curtain opened. In the area of tourism insurance, Beijing financial channel found that many of the tourism power platform on the emergence of a variety of "intimate insurance", such as the cancellation of travel, property loss or even the bank card theft brush can be insured. But "intimate risk" includes underwriting conditions, such as altitude response insurance for specific areas, some countries have disputed areas are not insured. Visitors need to pay attention to the insurance contract when buying. Experts believe that the insurance companies according to risk probability design rates, understandable, recommend to consider the interests of consumers demand, while consumers to stay rational, to high-risk areas of tourism to weigh the risk.

Travel agencies provide basic personal accident insurance the tourism electric business platform emerges many kinds of risks

BEIJING, the financial channel from a number of travel agencies to understand that the 11 period of choice with the group travel tourists generally enjoy the insurance provided by the travel agency, some travel agencies special line does not include insurance, visitors need to increase their own money to buy. Among them, these gifts generally include basic personal accident insurance, or extended to accidental medical treatment, sudden acute death, sudden acute medical treatment, accidental hospitalization subsidy, sudden acute hospitalization subsidy, etc., mainly for the travel in the emergency, accidental injury compensation.

A travel agency staff said that they are not in charge of the insurance for flight delays, loss of property and other compensation, "You can contact your specific registration of the company's contact person, or airlines, after all, this is not the responsibility of the travel agency." Travel accident insurance only includes personal accident insurance, tourists injured, etc., if you need other types of insurance, please consult the insurance company. ”

Unlike travel agencies, many of the tourism electric business platform has been on the line a lot of comparative "wonderful" and personalized travel insurance products. Beijing Financial channel to browse more than online tourism platform found that a number of platforms from the Pacific Insurance, Ping An insurance, Huatai insurance, Xinhua insurance and other insurance companies designed specifically for tourism design, from the way of tourism, in addition to the common domestic and foreign risks, there are cruise insurance, the free line of altitude response, free line insurance, Self-driving travel insurance, in addition to the accident, medical care and emergency relief, which are given by the travel agency, it has been extended to travel delays, cancellation of travel, loss of baggage, lost of documents, theft of bank cards, and so on, which almost sweep the risks of tourists ' journeys.

Mr. Zhang, who works in Beijing, said that he would take the whole family to Daocheng Adan to play, and he chose to travel with the regiment, when the tour agent donated the personal accident insurance. He considered Daocheng Adan located in the vicinity of the Qinghai-Tibet Plateau, and bought a plateau response insurance, "travel agency insurance coverage is not comprehensive, or insurance is better."

Domestic travel insurance does not protect Hong Kong and Macao Tour once buy multiple insurance not all pay

The insurance on the tourism electric business platform appears comprehensive and intimate, but in fact there are many restrictions, tourists inadvertently will ignore the scope and "exemption content."

If domestic insurance is only for mainland China, excluding Hong Kong and Macao, therefore, visitors to Hong Kong and Macao need to buy special Hong Kong, Macao and Taiwan Insurance, or the choice of overseas travel risks, many of the overseas travel risks annotated including Hong Kong, Macao and Taiwan region; altitude response insurance only for tourists in China, and will limit the destination in Tibet, Jiuzhai Huanglong Yunnan's Shangri-La and Yulongxue Shan.

When purchasing overseas travel insurance, to pay attention to whether the country is required to have medical insurance to apply for visas, if this requirement, to buy the insurance containing health care; In addition, some foreign insurance does not include emergency services, visitors need to consider their own purchase.

The elderly and minors have special provisions for travel insurance. A number of travel sites indicate that insured persons under the age of 18, the amount of compensation for accidental death shall not exceed the maximum limit of $100,000 as stipulated by the CIRC; other insurance products impose restrictions on the elderly: an insured person of 71-80 years of age, "accidental mortality, disability protection" and "" public transport aircraft/train/ship/ The insured amount of motor vehicle accidental injury is half of the amount contained in the policy, and the insured amount of "accidental death, disability protection" and "public transport aircraft/train/ship/vehicle accidental injury" of 81-90 years of age is one-fourth of the amount contained in the policy.

In addition, visitors should purchase multiple insurance deposit and associated restrictions at the same time. If an insurance on a website indicates that an insurance scheme for acute medical care is included, the accident medical insurance amount is 10,000 yuan, does not have the indemnity, 100% pays, the acute medical insurance amount 5,000, does not have the compensation, 100% compensates, both cannot have, the tourist in the choice time needs to pay attention whether has the overlapping part; another domestic travel insurance indicates that Each insured shall be covered by the same insurance for the Travel accident insurance scheme for a period exceeding the limit insured (including all or part of the insurance period covered by the multiple insurance schemes), and the company is liable for insurance only within the limit.

Some countries have disputed areas that are not covered by insurance companies aiming at high-risk projects

Recently, a number of travel agencies in Guangzhou have suspended their travel to the Philippines after a series of announcements by the Ministry of Foreign Affairs and the National Tourism Administration on "reminding Chinese citizens not to go to the Philippines". Not only that, a number of insurance companies said the Philippines listed as tourism insurance products temporarily not insured areas.

Beijing Financial channel in the insurance company Taobao official website found that, including peace, Allianz and other insurance companies have received the Philippines as a temporary not covered by the notice, but also include the United States and Asia, Taikang, PICC life Insurance company said the Philippines still belong to the area of insurance.

In addition, the offshore insurance of a number of insurers does not cover any insurance incidents that occur directly or indirectly as a result of travel to or through Afghanistan, Myanmar, Cuba, the Democratic Republic of the Congo, Iran, Iraq, Liberia, the Sudan, Syria, or in the countries mentioned above.

In addition, some offshore risks stipulate that areas of dispute or risk in some countries are not covered by insurance. Ms. Liu, who works in Beijing, told Beijing financial channel some time ago she went to Israel to travel, bought a foreign insurance, but was told that parts of Israel such as Jerusalem are not insured, "I was going to visit Jerusalem, but the insurance company said these areas are controversial, there are potential risks, not underwriting, I gave up going to Jerusalem for the sake of risk. ”

An insurance company customer service said that Israel's Cisiordania, Jerusalem and the Golan Heights, Israel and the Gaza Zone and the West Bank border areas (the 1967 agreement of the Border area), as well as with Egypt, Lebanon, the Syrian Republic border areas are not insured.

High-risk projects are generally classified as not insured items. According to a Ctrip product, visitors are personally responsible for extending the responsibility for high-risk sports, but where visitors are involved in any professional sports or any sport with bonuses or remuneration, horse racing, various vehicle performances, vehicle competitions, stunt shows, gliding and skydiving activities, exposure to aircraft or air transport equipment ( In the case of passengers who are travelling on civil or commercial flights, they cannot be compensated.

But not all insurance companies exclude risky projects, such as the way cattle nets in a domestic travel insurance specifically indicated that the protection of the responsibility include racing, horse racing, climbing cliff, gliding, drifting, diving, skiing, skateboarding, skydiving, hot air balloon, bungee jumping, surfing and other high-risk activities caused by accidental injury accidents.

Liu Junhai, director of the Institute of Commercial Law of Renmin University of China, said that on the one hand, an insurance company has its freedom of operation, it is according to the probability of the Chuxian to design insurance rate, such as the elderly by natural injury protection ability weak some, young people stronger, so the elderly and young people's premium rate Some high-risk countries and potentially risky areas cannot go, and these areas are Chuxian risky, with a higher probability of settling claims, and the insurance companies certainly do have a ban.

On the other hand, he suggested that the insurance company should consider the consumers ' interests and psychological feelings properly. For example, the elderly and children have to travel, can increase the rate of adult, the elderly to reduce some; at the same time, consumers should be rational consumption, the risk of local or national Chuxian risk, this risk requires consumers to weigh and bear.