Outdoor Classroom: How much do you know about outdoor insurance?

Outdoor travel is a wonderful thing. In order to make your journey more perfect, safety issues must also be considered! Have you ever thought about what you need to pay attention to when traveling? Have you ever thought about buying travel insurance? In fact, when you make your travel plan, whether it is a group tour, self-driving or self-guided tour, you should buy relevant travel insurance. In this way, you can not only cope with the consequences of various emergencies, but also give you peace of mind and make your journey more joyful. Here are some tips on outdoor insurance. Let's see if you understand it all?

What types of outdoor insurance are there? The following is a brief introduction to the types of outdoor insurance. The main products of outdoor insurance include: tourist accident insurance, travel personal accident insurance, accommodation tourist personal insurance, travel rescue insurance and travel assistance insurance, among which the first three are basic insurances.

1. Accidental injury insurance for tourists

When traveling, taking a car or a boat is indispensable. Don't be afraid of ten thousand things, just be prepared for one thing. Taking out insurance is like wearing a safety belt. The premium for the compulsory accidental injury insurance for tourists is included in the ticket price. When tourists buy train tickets or boat tickets, they have actually purchased this insurance. The premium is calculated at 5% of the ticket price, and the insured amount for each policy is 20,000 yuan. The insurance period is from the time you check your ticket to enter the station or get on a train or ship during the journey to the time you check your ticket to exit the station or get off a train or ship during the journey. During the validity period of the insurance, if a tourist dies, becomes disabled or loses body function due to an accident, the insurance company shall, in addition to paying the medical expenses as stipulated, also pay insurance money to the injured or deceased person's family.

Most air tickets, train tickets and tickets to tourist attractions include insurance, which means these tickets also serve as insurance certificates. Once an accident occurs, they are the basis for claiming insurance compensation and payment of insurance money and should be kept properly.

2. Travel Personal Accident Insurance

Before traveling to a scenic spot and experiencing the thrilling tourist projects, it is best to choose voluntary travel personal accident insurance. The insurance company currently offers this type of insurance with a premium of 1 yuan per policy and an insurance amount of 10,000 yuan. A maximum of 10 policies can be purchased at one time. The insurance period is from the time you purchase the insurance and enter the tourist attraction to the time you leave the attraction.

What needs to be emphasized here is that tourists can choose to buy or not buy this insurance according to the safety factor of the tourism project. But you'd better buy insurance when taking part in the following tours: adventure tours, such as hunting expeditions to the Grand Canyon and caves, travel to the desert and grassland, etc.; ecological tours, such as watching animals in a wildlife park, picnicking and camping in a wild botanical garden, and other thrilling tours, such as rafting in fast-flowing waters and climbing on steep cliffs.

3. Personal insurance for tourists staying in the hotel

The insurance premium is 1 yuan per policy, starting from midnight on the day of accommodation. The insurance period is 15 days and can be renewed upon expiration. Multiple policies can be purchased at one time. The liability of each insurance policy is divided into three aspects: one is 5,000 yuan insurance for accommodated tourists, the second is 10,000 yuan insurance for accommodated tourists' bravery, and the third is 200 yuan compensation for tourists' personal belongings that are accidentally damaged or stolen. During the insurance period, if the tourist suffers from an accident, external attack, murder, or death, disability, or loss of body function while protecting his or her own or others' life and property, or if the personal belongings are stolen or robbed, the insurance company will pay the insurance money according to different standards.

4. Travel Assistance Insurance

This type of insurance is commonly offered by domestic insurance companies. It is launched jointly by insurance companies and the International Rescue Center SOS. No matter where tourists encounter danger at home or abroad, they can make a phone call to get free assistance. Expand the original travel personal accident insurance services and extend the general post-incident claims of traditional insurance companies forward to provide timely and effective assistance when an accident occurs.

5. Travel assistance insurance

This type of insurance is very suitable for traveling abroad. With its protection, tourists can get free assistance by simply making a phone call if an accident occurs or if they get into legal disputes due to unfamiliarity with local customs and regulations.