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Ms. Tong, who used to be a hotel executive, formed a group with her girlfriends to travel with their children this summer. She has a deep understanding of the issue of "buying insurance when traveling with children". "Accidents happen every day when taking children out to play. I feel like I can write a book about this. Accident insurance is really indispensable."

"Children are often injured, bruised, bruised, and scratched during travel, and it's hard to prevent them. During our trip, a friend's child fell into the water while trekking and was stuck between rocks for more than 20 seconds. He was sent to the hospital for X-rays and medication. This was an accident and we paid for it directly. Later, a child had a fever but we only bought medicine and didn't go to the hospital for treatment, so we didn't pay for it."

Ms. Tong introduced that when buying insurance before traveling, it is recommended to first look at the scope, whether it is domestic, Asian or global, and then purchase it according to the planned travel time. "This time we bought an insurance product for a 5-day domestic trip"; "A friend brought her 2-year-old child to Canada for a trip and bought outbound travel insurance. That time the child fell on his head and spent 1,275 Canadian dollars locally, and the claim was about 7,000 yuan, which basically covered all the expenses. I need to remind you that for outbound travel insurance, you also need to pay attention to whether the insurance contract is 'original claim, no translation required'."

The second thing is to look at the conditions for compensation. "For the reimbursement part, you need to see whether it can be reimbursed 100%. Some are reimbursed after the medical insurance is used up (when we go out to travel, the probability of using medical insurance is not very high); some set a deductible; some are reimbursed 80%, some are reimbursed 60%, etc. You have to look carefully before buying."

In addition, pay attention to the "requirements" for hospitals and "restrictions" for diseases. Ms. Tong introduced from her experience, "Some insurance products have 'requirements' for hospitals where medical treatment is sought. For example, the insurance I bought at that time only required hospitals that were open 24 hours a day to be compensated directly." "Travel insurance generally also covers some acute diseases, such as acute gastroenteritis, acute appendicitis, etc. There are generally 'restrictions' for 'fever', which is usually above 39°C and you must go to the hospital immediately; some products have corresponding requirements for compensation, including fish bones stuck in the throat, so you must read carefully before purchasing and pay attention to details to avoid causing trouble for subsequent claims."

Zhi Yueqi, product manager of property insurance line of HuiZe Insurance Brokerage, told Nandu reporters that when buying travel insurance, you need to pay attention to the insurance type and coverage, insurance amount and adequacy of insurance amount, insurance period and travel time, insured area and scope, insurance company and service quality, purchase process and precautions, etc. By comprehensively considering these factors and carefully comparing the differences and advantages and disadvantages between different products, you can choose a suitable and comprehensive travel insurance for yourself.

Ms. Guo, who just came back from a free trip to Singapore with her children, said, "When going abroad, I will consider buying travel insurance. For domestic travel, the insurance I buy for my children can basically cover them." Ms. Guo also introduced: "I basically buy insurance at the same time when I buy air tickets. Most of the time when applying for a visa to go abroad, insurance is also required, so it is better to buy it."

　How to choose summer travel insurance?

Zhi Yueqi made a detailed analysis for the Nandu reporter. To buy insurance, you must first understand the categories of insurance products. Travel insurance usually includes medical insurance, accidental injury insurance, luggage loss/delay insurance, liability insurance, etc. You must first clarify which categories of insurance you need before placing an order. Secondly, before purchasing, you must carefully read the scope of insurance coverage, including understanding what the insurance specifically covers and what it does not cover. Thirdly, pay attention to the amount of insurance. Different insurance products have different insured amounts. When comparing different products, pay special attention to the difference in insurance amounts to ensure that the insured amount is sufficient. For example, when traveling to Schengen countries, the insured amount for overseas medical expenses compensation must be no less than 300,000 yuan. Match the insurance period. To ensure that the insurance period covers the entire travel period, it is best to leave 1-2 days before and after to prevent itinerary changes or delays, and ensure that the insurance is valid when needed. Also confirm the insured area. Before purchasing, confirm whether the insurance covers the travel destination, and pay special attention to the terms. Some insurance may have special restrictions or exemptions for certain special areas (such as war zones, high-risk sports areas, etc.). Finally, you should pay special attention to the quality of the insurance company's customer service, including whether it provides 24-hour emergency rescue services, language support and quick claims settlement.

　What insurance types are available for summer study tours?

There are many study tours for primary, secondary and university students this summer. Study tours with different themes have attracted the attention of students and parents. So, do you need to buy insurance for your children when participating in study tours? For this question, Nandu reporters interviewed Luo Junyu, manager of the Culture and Tourism Insurance Department of the Guangdong Branch of Jiangtai Insurance Brokers Co., Ltd., which specializes in travel agency insurance. He gave a professional interpretation: According to the Tourism Law and the Travel Agency Regulations, legally operating travel agencies shall configure travel agency liability insurance that complies with the requirements of the Travel Agency Liability Insurance Management Measures in accordance with the law, and some travel agencies that undertake study business will also configure additional study liability insurance. These two insurances are used to share the relevant legal responsibilities that travel agencies bear for tourists in organizing and receiving tourism activities. According to the requirements of the Tourism Law, travel agencies remind tourists to purchase travel accident insurance in accordance with the law to share the risk losses of tourists encountering unexpected situations during their travels.

For student travel, travel accident insurance is applicable, and the exclusive study accident insurance is also sought after by study institutions because it extends some special coverage, such as a fixed amount of self-paid dental treatment expenses, personal liability of tourists, and coverage for lost tourist expenses.

Viewpoint

As a professional, what recommendations do you have for travel insurance for children?

● Luo Junyu, manager of the Culture and Tourism Insurance Department of Guangdong Branch of Jiangtai Insurance Brokers Co., Ltd.:

According to the requirements of our country's management department, there are requirements for the accidental injury insurance amount for minors, so you should pay attention to this requirement when taking out insurance, that is: for those under 10 years old, the accidental injury insurance amount is less than 200,000 yuan, and for those aged 10-18 years old, it is less than 500,000 yuan. However, considering the activeness of minors and the need to strengthen their awareness of risk prevention, in addition to paying attention to the configuration of the accidental injury insurance amount, we also pay attention to the medical expense limit, personal liability limit, lost allowance, and even emergency rescue, so that there is a certain ability to bear when relevant situations occur. First, it can protect the common losses of the study tourists themselves, and second, it has a certain protection effect on the personal injury or property loss caused to the third party. Third, when a more serious personal injury case occurs, it needs to be transferred to the hospital and returned to the place of origin for treatment. Emergency rescue cost protection can also play a certain role. Medical transfer in China costs tens of thousands of yuan, and if a charter flight is required, hundreds of thousands of yuan are also common. When necessary, it can really reduce the losses of tourists, allow tourists to receive timely and reasonable treatment, and can also comfort parents to a certain extent. If there are some special study and research projects, such as skiing, diving, water sports, skiing and other high-risk study and research activities, you should pay attention to whether the accident insurance protection plan includes losses caused by high-risk sports.

　　● Zhi Yueqi, product manager of property insurance line of HuiZe Insurance Brokerage:With the increasing demand for travel among students, the student travel insurance market is becoming increasingly diverse. At present, the travel insurance suitable for students on the market mainly includes the following types: Travel accident insurance: Travel accident insurance provides comprehensive protection for various accidents that may occur during travel, such as accidental injuries, accidental or acute medical expenses, emergency rescue, luggage loss, journey delays, etc. Its protection period is flexible and can be selected according to the student's travel time, which is very suitable for students to buy when traveling. Outdoor sports insurance: For students who like high-risk outdoor sports such as hiking, rock climbing, and diving, outdoor sports insurance is indispensable. In view of the characteristics of outdoor sports, insurance products provide more comprehensive protection. For example, diving products can cover diving activities such as scuba diving, snorkeling, and free diving within the agreed maximum diving depth. Public transportation accident insurance: For students who travel by public transportation such as airplanes, trains, ships, and cars, public transportation accident insurance can provide additional protection on the basis of travel accident insurance, including accidental death and disability compensation for public transportation, accidental injury medical treatment, etc.

This edition was written by Nandu reporter Xiao Yang