How to Choose Travel Insurance? Everything You Need to Know （2）

• Daily accident hospitalization allowance

If the insured person is hospitalized due to an accidental accident caused by the contract while traveling, there will be a certain daily hospital subsidy.

• Daily allowance for isolation of infectious diseases

When the insured travels, he is quarantined at the place of departure, transit, or destination of the trip because he is suspected or diagnosed with an infectious disease, or after the insured returns from a trip, he is legally infected due to the infection or suspected infection of the infectious disease. In isolation, the insurance company pays the daily allowance according to the contract.

• Daily allowance for kidnapping and illegal detention

The insured person was kidnapped or illegally detained while traveling, and the insurance company paid daily abduction and illegal detention condolences in accordance with the insurance contract.

b. 24-hour emergency rescue service

• Medical delivery and return

Due to an accident or illness, the insurance company arranges the medical transportation and return of the insured person, and pays the rescue expenses.

• Repatriation of dead bodies

During the trip due to an accident or sudden illness, the insurance company will bear the costs of arranging the return of the body.

• Condolence visit fee

Due to an accident or illness, death or hospitalization, the insurance company arranged for the transportation and accommodation costs of a direct family member to visit.

• Overstay fees for minors

Unaccompanied minor children due to accidents or sudden acute illnesses are unattended, and insurance companies pay for the overstay of accompanying minor children

• Repatriation fee for minors

If the insured person's accompanying minor children are left unattended due to an accident or sudden acute illness, the insurance company arranges for the repatriation costs of the accompanying minor children's return to their daily residence in China.

c. Personal property protection

• Loss of carry-on luggage

When traveling, the insurance company bears the responsibility for the loss or accidental damage to the luggage or items carried by the insured due to the agreed behavior.

• Loss of bank card theft

During travel, the loss of bank cards (including credit cards) and theft and robbery lead to theft by others, and the insurance company bears the corresponding protection responsibility.

• Lost travel documents

During the trip, the insurance company is responsible for compensation for the replacement of the travel document due to theft or robbery and the resulting accommodation costs and additional public transportation costs.

Note: Generally, if a loss occurs, it is best to call the local police within 24 hours and obtain a written certificate from the police.

d. Travel obstruction insurance

• Refusal visa insurance

During the insurance period, if the insured applies for a non-immigrant visa for travel within the territory (except Hong Kong, Macao and Taiwan), if the visa issuing agency rejects it, the insurance company shall bear the corresponding guarantee responsibility according to the agreement.

Generally, visa refusal insurance can be purchased in countries where it is more difficult to apply for a visa, or when individuals feel that they are not sure about the result of the visa application.

Pay attention to purchase visa refusal insurance before sending the visa.

• Trip change insurance

It generally includes three categories: trip cancellation, trip shortening and postponement of stay, and of course there are corresponding guarantees.

• Trip cancellation guarantee:

During the insurance period, if the scheduled trip is cancelled due to the agreed reason, the insurance company will bear the prepaid but unused and non-refundable travel costs.

• Shortened journey protection:

During the insurance period, due to agreed reasons, the journey must be ended early and returned to the original place of departure. According to the insurance contract, the insurance company will bear the travel expenses that have been paid in advance but not used and cannot be returned.

• Extension of stay protection:

During the trip, if the return cannot be scheduled as scheduled due to the agreed reasons, and the driver stays in the travel destination for an extended period of time, the insurance company will compensate the insured for the extra and reasonably necessary travel expenses in accordance with the originally scheduled return type and standard.

• Travel delay

During the insurance period, if there is a delay in taking the originally planned public transport (usually an airplane) while traveling, the insurance money will be paid.

• Delayed baggage

During the trip, if the accompanying checked baggage arrives at the destination later than the insured, the insurance company will compensate the corresponding insurance costs according to the specific circumstances.