4 Points You Need Pay Attention to when Choosing Online Travel Insurance
In the past two years, the Internet insurance sales related to travel continued to increase, online sales of tourism insurance favored.
In recent years, with the prosperity and development of Internet insurance market, the number of online sales of tourism insurance in China has increased year by year. According to the latest statistics released by the American Insurance Industry Association, Internet insurance sales related to travel have continued to increase in the past two years, with hotel cancellation insurance, flight delay insurance and other consumer insurance products more popular with consumers.
This also means that travel insurance has evolved from the past travel agency liability insurance and travel accident insurance around air tickets, hotels, play scenes and other travel in the different aspects of the needforay insurance products. Such as flight delay insurance, air accident insurance, hotel cancellation insurance, baggage loss insurance and so on.
"Travel insurance products are simple, low premiums, easy to scene sales characteristics, and the Internet has a natural combination of points, whether it is tourist attractions, travel agencies, tour guides, tourists and other tourism links involved in the main parties, or ticketing, vehicles, hotels, air tickets and other around the tourism of each scene, it is possible to trigger the demand for tourism insurance. "
There's a reason for the popularity of travel insurance. On the one hand, as more and more people choose to travel abroad in recent years, many countries have clear insurance requirements for tourists to obtain visas. For example, at present, when applying for an outbound tourist visa (e.g. A Schengen visa) in some European countries, the embassy requires the tourist to produce a certificate of overseas travel insurance as a basic prerequisite for issuing a visa. On the other hand, it is also related to the increase disconsciousness of national insurance, it is generally accepted that the purchase of insurance is necessary. In the event of flight delay, personal injury or property loss during the travel period, if the relevant insurance products are purchased, the insurance company may provide medical expenses compensation, emergency overseas relief, travel delay compensation, checked baggage loss compensation, family property compensation and other protection services.
It is worth noting that with the development of new technologies such as big data, cloud computing, blockchain and artificial intelligence, new ideas and new scenarios have been injected into the development of Internet insurance. "In the course of carrying out Internet insurance operation, all kinds of market subjects should strengthen the research and application of all kinds of Internet technology, actively explore the best combination of Internet technology and insurance, and realize the 'Internet plus insurance' double sword, to provide customers with better services."
For consumers, experts suggest that when buying Internet travel insurance, the first choice of regular website, actively click on the link of the insurance terms on the web page, carefully read the insurance terms and insurance requirements, pay attention to see whether the insurance terms cover bungee jumping, diving, surfing and other high-risk extreme sports, and carefully read the exemption clause; For example, Schengen countries require tourists to purchase overseas travel insurance to include overseas medical insurance, the amount of insurance must not be less than 30,000 euros, and some countries require insurance coverage dates to be extended by 2 days before and after the date of travel. In addition, consumers should carefully understand the presence of overseas rescue companies around the world, as well as the level of service in tourist destinations.
