For those who frequently travel or go on business, it is crucial to establish a comprehensive insurance protection system. Instead of making a single choice among various insurance types, it is better to scientifically combine basic accident insurance, specialized travel insurance, and core medical insurance based on specific travel scenarios, to form a multi-level and unbroken protection network.

The three main pillars of the guarantee system:

The first pillar: Annual comprehensive accident insurance

The annual comprehensive accident insurance is the cornerstone of the protection system, providing continuous basic protection for travelers. It covers general accidental risks that may occur during daily life and during travel. Its core coverage items include accidental death and disability compensation, accidental medical expense reimbursement, and usually also includes sudden death protection and additional compensation for traffic accidents. The characteristic of this type of insurance is its low premium and high leverage, making it an indispensable basic protection.

Second pillar: Special Travel Insurance

Special travel insurance is a specific form of coverage for a single or short-term trip. It usually does not conflict with the comprehensive annual accident insurance but rather enhances its protection function by being added on. It specifically addresses the high risks and frequent problems that may occur during travel. The specific coverage includes:

High-level medical insurance for diseases and accidents (especially overseas coverage);

Global emergency rescue and medical transportation services;

Compensation for economic losses caused by travel delays, lost luggage, itinerary cancellations, etc.;

Some products also cover personal third-party liability;

For each trip, you should choose the appropriate special travel insurance based on the destination and activities according to your needs.

The third pillar: Million-dollar medical insurance

The million-dollar medical insurance is the ultimate defense line against major health risks. It complements accident insurance and provides coverage for the high medical expenses incurred due to hospitalization caused by illness or accident. The core coverage includes:

Medical expense reimbursement, especially for out-of-pocket self-paid drugs and imported equipment not covered by medical insurance;

Hospitalization medical expenses, special outpatient services, and outpatient and emergency care before and after hospitalization;

For those who frequently visit regions with high medical costs (such as Europe and the United States), a million-dollar medical insurance policy is almost a must-have.

Accident Insurance and Medical Insurance :

Many people often struggle when choosing between health insurance and accident insurance during the purchase process. In fact, the coverage scopes of the two types of insurance have their own focuses and they complement each other in function. Therefore, both should be included in the insurance package.

Accidental Insurance: It mainly covers injuries caused by "external, sudden, and unintended" events. The core coverage includes compensation for death or disability resulting from accidents, as well as reimbursement for accidental medical expenses. It should be noted that accidental insurance does not cover expenses incurred from hospitalization due to illness.

Medical insurance: Focuses on reimbursing medical expenses, regardless of whether the cost is from illness or accident. Its main function is to cover the potentially huge medical expenses that may occur during hospitalization and treatment.

Therefore, for frequent travelers, the most comprehensive insurance plan should be: comprehensive annual accident insurance (as the base) + specialized travel insurance (for enhancement) + one million yuan medical insurance (as the fallback), which can fully cover all kinds of risks during the travel process.

Accidental Insurance and Travel Accident Insurance:

Travel accident insurance specifically provides coverage for unexpected accidents that occur during travel. It mainly covers emergencies that occur during the travel process, such as injuries from falls during the journey, encountering natural disasters, being robbed, etc. The coverage includes medical expenses, property losses, etc. This type of insurance has a relatively narrow coverage range and focuses on unexpected risks during travel. The claim process for travel accident insurance usually requires the insured to provide relevant proof materials, such as medical expense invoices, police reports, travel arrangements, etc. During the claim process, it is necessary to confirm that the accident occurred during the travel period and is related to the travel. This means that the claim conditions for travel accident insurance are relatively strict and are specific to the events during travel.

Unlike travel accident insurance, accident insurance offers a broader coverage. It not only covers accidental injuries in daily life, but also includes emergencies during work and sports activities. Whether it's falling at home, suffering occupational injuries at work, or having an accident while participating in sports, accident insurance can provide corresponding compensation. Accident insurance has a wider coverage and is a comprehensive protection plan. In contrast, the claim conditions for accident insurance are usually more flexible. Generally, only medical expense invoices or doctor's diagnosis certificates need to be provided to prove that the accident was caused by an external sudden unexpected event. Accident insurance covers a wide range of accidental events, and the conditions for claims are relatively easier to meet.

With an accident insurance policy, is it still necessary to purchase a travel insurance?

It is extremely necessary. Travel insurance and ordinary accident insurance have some overlapping areas, but travel insurance offers more comprehensive and targeted coverage. Ordinary accident insurance mainly focuses on death, disability or medical expenses caused by accidents, while travel insurance expands the coverage scope beyond this, including property damage, itinerary delays, high-risk sports accidents, medical rescue and a series of other scenarios.

For instance, Xiaoming fell and got injured at a ski resort in China, incurring medical expenses. Even though he had an accident insurance, this high-risk activity of skiing was usually not covered by the insurance. However, for those who purchased domestic travel insurance, not only could they get reimbursement for the medical expenses, but they could also receive compensation for additional costs resulting from equipment malfunctions at the ski resort.

The best insurance plan depends on your travel situation:

When you travel to places with high medical costs, like Europe or America:

Make sure your travel and medical insurance cover enough money. It is best to have over 1 million RMB. Also, pick insurance plans that have "medical direct payment" or "advance payment". Pick plans with "emergency medical transportation" too. This stops you from having to pay a lot of cash first when you are in a foreign country.

If you do risky outdoor activities, like skiing, diving, or mountain climbing:

You must buy special travel insurance. The plan must clearly say it covers these risky sports. Most normal accident and travel insurance do not cover them. Check that your insurance plan gives this protection.

For short work trips or holidays within your country:

You already have basic year-round accident insurance. You can add a short-term travel insurance plan. This extra plan should cover flight delays, lost luggage, and basic medical costs. This protects you from travel problems. It also does not cost too much.

Key Insurance and Travel Tips:

Plan ahead

Travel insurance often starts the midnight after you buy it. You must buy it early. This makes sure it covers your whole trip. Make the coverage one day longer. This stops a gap if your trip gets delayed or something unexpected happens.

Read the "not covered" list

You must understand if the insurance covers your travel place and your planned activities. Some risky places or special activities are not covered.

Save emergency information

Before you leave, save the digital insurance document on your phone. Save the insurance company's 24-hour global emergency hotline too. If there is an emergency, call the emergency hotline first. Do not try to fix it yourself. This makes sure you get help fast.

Tell the truth about your health

When you buy a high-limit medical insurance plan, you must fill out the health form truthfully. Telling the truth directly affects if your future claims go well. Do not hide your health problems.