Travel assistance insurance

Travel aid insurance has been deeply rooted in people's hearts abroad. In China, China Life Insurance Company and Pacific Insurance Company have also joined hands with SOS to launch travel assistance insurance. This insurance expands the original service scope of tourists' personal accident insurance, and extends the general after-the-fact claims of traditional insurance companies to timely and effective assistance in case of accidents.

Passenger accident insurance

Traveling by car and boat is essential. The insurance premium for passenger accident insurance has been included in the fare. Passengers are actually insured when purchasing tickets and boat tickets, and the insurance premium is calculated at 5% of the fare. The insured amount of each insurance is RMB 20,000, including the accidental medical expenses of RMB 65,438+0,000. The insurance period starts from check-in or boarding, and ends at check-out or disembarkation. During the insurance period, if a passenger dies, is disabled or loses physical function due to an accident, the insurance company shall pay all, half or part of the insurance amount to the injured or the family members of the deceased in addition to the medical expenses as required. However, due to the passengers' own reasons, such as suicide, illness, etc., the insurance company is exempt from liability. Passengers should be reminded that when traveling by car or boat, they should pay attention to their rights and interests once they are out of danger, because they have been insured when buying tickets.

Travel personal accident insurance

When you go to tourist attractions, witness thrilling tourism projects and have palpitations, you can voluntarily choose personal accident insurance. At present, the insurance company provides this type of insurance, with a premium of 1 yuan per share and an insured amount of 1 10,000 yuan. You can vote 10 at most once. The insurance period begins when you buy insurance and enter tourist attractions or scenic spots and ends when you leave. It is best to take an insurance when taking part in adventure tour, eco-tour and adventure tour.

Personal insurance for accommodation passengers

The personal insurance premium for lodging passengers is 1 yuan, and the insurance period is 15 days from the date of lodging. Insurance can be renewed when it expires, and multiple copies can be cast at a time. Each insurance liability is divided into three aspects: first, the insurance premium for accommodation passengers is 5000 yuan; 2. Insurance premium for lodging passengers 1 1,000 yuan; Third, the compensation for the loss of passengers' property caused by accidental damage or theft is 200 yuan. During the insurance period, if a passenger dies, is disabled or loses his physical function due to accidents, foreign attacks, murders, or the protection of his own life and property, or personal property is stolen or robbed, the insurance company will pay insurance benefits according to different standards. This risk is also voluntary.

What insurance should freelancers buy?

Do social security first!

May 2005 19 China Insurance Network

This year, Mr. Liu and Mrs. Liu, who are over 40, have opened two stores. They have never participated in social insurance, unlike ordinary working-class people who have social endowment insurance and social medical security. In order to nip in the bud, Mrs. Liu has been thinking about taking out some commercial insurance herself recently.

Mrs. Liu's plan is actually necessary. For freelancers and individual economic practitioners, because there is no social insurance, accidental risks such as birth, illness and death will not be guaranteed. Therefore, it is imperative to participate in social insurance, and then you can buy an appropriate number of medical insurance, accident insurance and endowment insurance according to your own economic ability and risk tolerance, and provide insurance protection for yourself as soon as possible.

Experts remind that compared with people with social medical care and old-age insurance, the focus of freelancers' insurance purchase should be different.

First of all, social insurance is the best policy.

As we all know, social insurance is more favorable than commercial insurance. Therefore, insurance consultants suggest that freelancers give priority to social endowment insurance and medical insurance. It is understood that freelancers who have no unit affiliation but have legitimate economic income can go to the street labor service center and pay social endowment insurance premiums at 30.5% of the individual contribution base every month as long as they have a labor manual. Individual economic personnel shall go to the social security center of their district with their business licenses. After retirement, the pension is calculated in the same way as ordinary employees.

The payment base of social endowment insurance is determined by freelancers themselves, with the minimum being the average monthly income of employees in the city in the previous year and the maximum not exceeding 300% of the average monthly salary of employees in the city in the previous year. For example, if the user-defined payment base is set to 2000 yuan, the monthly social endowment insurance premium will be 6 10 yuan. Social security agencies set up endowment insurance accounts for individuals with the payment base of 1 1%.

On the other hand, if a freelancer participates in social medical insurance that is only responsible for hospitalization expenses, the payment ratio is 8% of the above base; If there is outpatient and emergency expenses insurance for social medical insurance, the payment ratio is 14%. Those who pay the insurance premium at the rate of 8% do not set up individual medical accounts, but the reimbursement of expenses such as serious illness and hospitalization enjoys the same treatment as other ordinary employees who participate in social medical insurance.

Medical expenses insurance is the most urgent.

Medical expenses insurance means that the insurance company pays the insured according to the proportion agreed in the contract (generally 50%-80%) and the total amount on the medical expenses documents, which is equivalent to the insurance company helping the insured to share part of the medical expenses.

For people with social medical insurance, part of their hospitalization expenses can be reimbursed to social medical insurance with actual invoices, while the payment of commercial medical hospitalization insurance benefits can only be obtained with invoices, and sometimes there will be conflicts or overlaps between them. The insurance consultant suggested giving priority to medical subsidy insurance rather than medical expense insurance to reduce unnecessary premium cost.

However, people like Mr. Liu who don't have medical insurance will pay 100% at their own expense as long as they go to the hospital for medical treatment, whether it is emergency or hospitalization, and no one can share it for them. At present, the hospitalization expenses are very high, so their husband and wife should buy some insurance for hospitalization expenses first, and it will be more complete if they can add the insurance for reimbursement of outpatient and emergency expenses.

The once-popular outpatient and emergency expense insurance products have basically stopped selling because of the great operational risks. At present, only group medical insurance generally includes outpatient expense insurance. At present, only two or three insurance companies in the market are still selling this kind of additional insurance for individuals. It is worth reminding that, because the total annual payment of outpatient and emergency insurance is only about 1000 yuan, and the premium is relatively expensive, if Mr. Liu is a man who doesn't go to the hospital for minor illness, there is no need to buy this insurance. Moreover, women usually pay more attention to their own health and go to hospital clinics more frequently, so Mrs. Liu had better buy this insurance.

Accident insurance is a necessity.

Although no one wants to encounter unexpected death or disability, no one can guarantee that natural and man-made disasters will not happen to themselves and their families.

Considering that the income of the whole family depends on the business run by husband and wife, and Mr. Liu often goes to other places to purchase goods, which increases the probability of encountering unexpected risks, it is suggested that Mrs. Liu must buy a full amount of accident insurance for her husband, and the amount of protection should be more than five times the annual income. Mrs. Liu mainly looks after the store at home, which is less risky. When buying accident insurance, the amount of protection can be lower.

At the same time, accidents sometimes lead to medical expenses, so you can consider matching some accidental injury medical insurance when buying accident insurance.

Endowment insurance shall be purchased as appropriate.

At present, the old-age insurance in the market generally appears in the form of annuity insurance, which belongs to life-and-death old-age security, that is to say, you can get insurance benefits whether you are dead or alive during the insurance period. At the same time, the insured can agree with the insurance company when to start returning funds and the different degrees of returning funds at each stage.

The insiders believe that the best time to buy endowment insurance is before the age of 18 or 20, because endowment insurance products are very saving, and the rate of such insurance will rise rapidly with the growth of age in adulthood. For middle-aged people like Mr. and Mrs. Liu, if there is a real demand in this area, we can only carefully choose some products with higher protection interests.

It should be noted that it is not necessary to buy commercial endowment insurance for those who have the ability and skills of family financial management. Because the essence of this kind of insurance is "term life insurance+return on savings/investment", and the premium of term life insurance is very low. In contrast, you can reserve your pension by buying term life insurance and then make your own investment.

In addition, when choosing endowment insurance products, it is best to buy dividend-paying products. Although the current dividend insurance income is not good, the insurance with dividends can prevent the insurance premium from depreciating due to inflation. If the market interest rate rises in the future, the dividend income will increase.

Give priority to the wife's critical illness insurance.

In addition to the above three kinds of commercial insurance, Mr. and Mrs. Liu can also add critical illness insurance and medical subsidy insurance to their family insurance portfolio according to their own financial ability.

Mr. Liu and his wife are the pillars of the family. They are beyond doubt. Excessive stress can easily damage their health, and with the growth of age, the possibility of physical illness increases. They might as well buy a critical illness insurance separately. At present, there are special "male critical illness insurance" and "female critical illness insurance" on the market. Because women in their forties are in a period of frequent diseases, Mrs. Liu's health needs should be given priority.

Medical subsidy insurance is a supplement.

Hospitalization due to accidents or diseases may lead to the neglect of Mr. Liu's shop and the interruption of the couple's income. So you can buy some medical subsidy insurance as a supplement to make up for the loss of income.

Medical subsidy insurance is a kind of non-reimbursement insurance with subsidy nature. As long as the daily allowance for hospitalization is agreed at the time of purchase, once you are hospitalized, you can get the subsidy from the insurance company; It can be attached to all kinds of main insurance, or it can be purchased separately as the main insurance; For a year, and for life. For middle-aged people like Mr. and Mrs. Liu, it is best to buy life insurance, so that there will be no problem of being refused insurance for health reasons when the insurance expires.

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