Outdoor tourism makes people feel relaxed and closer to nature. In recent years, outdoor tourism is increasingly becoming a modern way of leisure. For outdoor tourists, the majority will buy insurance for themselves outdoors. But what should be noted that insurance buyers when outdoors, but not every consumer can understand.
To purchase outdoor insurance, the following four points need attention:
1, accident insurance is not all-powerful
Most citizens will purchase an accidental injury insurance before they travel and believe that no matter what happens, they can solve all the problems. However, insurance experts point out that the accidental injury insurance can be divided into general accident insurance, contract insurance accident insurance and accident insurance. Among them, most of the policies covered by the public only cover general accidental injuries, and accidental injuries such as climbing, parachuting, skiing, racing, boxing, river rafting, wrestling and other intense sports activities or accidents are excluded. Therefore, insurance experts reminded the public to consider special contract coverage when faced with any of the above risks when travelling abroad.
2. The aircraft policy takes effect on the second day
Many citizens are accustomed to buying a traffic accident insurance at the airport when they fly. However, the policy of most insurance companies does not come into effect immediately, but it takes effect from the second day after the purchase has taken place. In other words, if the public has purchased a traffic accident insurance on the day of flight, if there is an accident, this policy does not provide protection for the insured.
3, accidental injury medical additional insurance is essential
Accidental injury insurance must be added when purchasing accidental injury insurance. Since accidental injury insurance covers only death and disability caused by accidental injury, Accidental Injury Medical Coverage covers medical expenses due to accidental injury. Relatively speaking, the use of this additional insurance is even higher. In addition, if you regularly perform outdoor sports, you are advised to consider buying a one-year or more period of time when you choose to purchase outdoor sports insurance, and to protect more comprehensive accident insurance.
4, the best amount of protection is greater than 200,000
Judging from the current level of consumption, the insured amount of insurance consumers purchasing travel insurance products is preferably greater than 200,000 yuan, and accidental medical care is better than 20,000 yuan. Insurance experts recommend that if you go abroad, you must know in advance the relevant provisions of the tourism destination countries for personal security. For example, to go to European countries, a minimum of 30,000 Euros of medical insurance is required for a tourist visa. For tourism destinations that do not have relevant mandatory protection provisions, 5-7 times the individual annual income may also be used as a reference value when selecting the amount of insurance coverage, taking into account the local level of medical consumption.
I believe that many outdoor sports enthusiasts must not worry about their families when they go out. They should insure themselves for a suitable outdoor sports insurance. On the one hand, they can rest assured that they can play. On the other hand, in the event of an accident, they can also leave for their loved ones. A comfort.
Households to insurance in which to buy?
Consumers can apply for insurance online or directly to the insurance company. At present, the most widely used is online insurance, convenient and quick. Which insurance company is better? The more well-known insurance companies are China Life Insurance, Ping An Insurance, Pacific Insurance, PICC, China Taiping, AIA Insurance, Xinhua Insurance, Taikang Insurance and Sunshine Insurance. Consumers can compare outdoor products according to their needs to purchase outdoor insurance. When choosing, it should be noted that ordinary accident insurance and life insurance will generally take the accidental injury caused by participation in outdoor sports as an exemption from liability. It will also be used as an exemption clause for special regions such as war-torn regions or Tibetan plateau climate regions. Therefore, to remind tourists to look at the relevant provisions when purchasing outdoor insurance, especially the exemption clause. In addition, the different outdoor products covered by different insurance products need to be selected and purchased according to the planned route and the participating activities.
What do you need to pay attention to when insurance is insured and settled?
See the disclaimer clause when insuring and select the amount according to your needs
1. Must see the relevant provisions, especially the exemption clause. Different insurance products cover different outdoor projects, and they need to be selected and purchased according to the planned route and the risk characteristics of the participating activities.
2. The first type of risk level refers to ordinary sports below 3,500 meters above sea level, and it can be covered by ordinary accident and accident medical insurance.
3. The second type of risk level refers to the intense exercise below 3,500 meters above sea level, which requires insured enhanced outdoor accident and accident medical insurance. The insurance coverage can include: hiking trekking, fitness hiking, mountain biking trips, horse riding, boating, roller skating, abseiling, field skiing, diving, outreach, rock climbing, wilderness survival, rafting and more.
4. The third type of risk level refers to climbing and outdoor sports (3500-6000 meters) above sea level above 3500 meters, alpine adventures (above 6,000 meters), outdoor sports in winter (above 2,500 meters), ice climbing (including low altitude areas), Desert crossing, mountaineering skiing, polar expedition, cave exploration and other projects. These projects are extremely risky and need to be purchased separately for insurance.
5. Outdoor sports insurance is generally short-term insurance, according to the duration of the exercise, ranging from 1-30 days, the cost from 5 yuan -30 yuan. The amount of insurance for each of them is mostly 100,000 yuan for accidental death insurance, 5,000 yuan for accidental medical insurance, 30 yuan for hospital admission, and so on.
6. Before taking part in outdoor sports, it is best to know whether or not the corresponding sports insurance has been purchased. Many playgrounds in the racecourse do not purchase insurance for tourists, and some purchases even have different amounts of coverage.
At present, many insurance companies, such as Ping An, Guoshou, Meiya, Sun, etc., have corresponding accident insurance for outdoor strengthening and special projects. We can contact the relevant insurance company or purchase on the direct network according to the actual situation in the area.
It is not difficult to pay claims, and it is necessary to pay attention to the proof of the deadline.
1. If accidental injury occurs unfortunately, especially in the event of accidents in the field or hospitalization due to illness, the treatment needs to be performed in public hospitals at or above the county level. In order to avoid problems when claiming. If you need to go to hospital for medical treatment, remember to ask the initial hospital to issue a written transfer certificate.
2. The actual claims also require special attention. The insurant should report the case to the insurance company within the prescribed time limit. If it exceeds the prescribed time limit, the insurant shall bear the expenses incurred by the insurance company such as the survey and inspection of the insurance company due to the delay. After the treatment is over, inpatient medical receipts and other materials will be processed to the insurance company for claims.
3. The insurance company's claim time, the general situation of compensation for less than 5,000 yuan for 7 days; less than 10,000 yuan in 10 days; more than 10,000 yuan in a month. If the insurance company delays the time and does not pay the claim fees on schedule, the policyholder can safeguard their rights and interests through legal means.
In the future, when we are engaged in outdoor sports, especially intense sports, we may need to select the corresponding enhanced accident insurance and accident medical insurance according to the actual conditions of the nature, duration, and cost of travel. Only in this way can we obtain real Enough protection.
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