方案一：出境游 根据目的地买旅游险 Plan one：Outbound tourist destination travel risks according to buy

　　以往出境游的旅客在选购境外旅游险时往往选择面不多，不管是去欧洲、北美还是东南亚旅游，购买的保险其实都是一种，除了保障时间长短可选之外，实质的保障范围其实是将境外所有国家（可保国家）包含在内的。

Before the choose and buy foreign passengers outbound travel risks are often not much choice，Whether to go to Europe、North America or southeast Asia travel，Buy insurance in fact and all is one of a kind，Besides securing the time length optional away，The essence of the scope of protection is actually will all countries overseas（Insurable the country）include。

　　而现在针对境外游不同目的地的旅游险陆续推出，将保障范围缩小，对投保人而言，保费更加实惠，保障针对性更强。

And now the outbound tourism destination for different travel risk releasing，Will the scope of security，Policy-holder character of，Premium more affordable，Security targeted more strong。

　　如大众较为热衷的新马泰七日游计划，以中德安联人寿在线保销售的安顺乐游境外旅游险东南亚计划为例，仅需58元，投保人即可获得10万的意外身故及伤残保障，5万元的紧急住院医疗费用，5万元的紧急门诊和紧急牙科费用，20万元的紧急医疗转运和送返，以及住院补贴等保障，充分满足东南亚地区的紧急医疗需求。

If the public more dedicated new matei seven-day europeantrip plan，With sino-german allianz life online music sales of anshun swim the travel outside the territory risks as an example of southeast Asia plan，Only 58 yuan，Policy-holder can obtain 100000 accident die and disable security，50000 yuan of emergency medical treatment of be in hospital costs，An emergency $50000 outpatient and emergency dental costs，200000 yuan of emergency medical evacuation and repatriation，And in hospital subsidies security，Fully satisfy southeast Asia's emergency medical needs。

　　在投保境外旅游险的时候，建议投保人首选有境外紧急救援服务的保险公司的产品，即旅游救助保险。该保险将原先的旅游人身意外保险的服务扩大，将传统保险公司的一般事后理赔向前延伸，变为在事故发生时便及时有效的救助。游客无论在境外任何地方遭遇险情，拨打专门电话即可获得无偿救助。

In overseas travel risks insured，Advice is preferred policy-holder outside the emergency services of the insurance companies，Namely travel assistance insurance。This insurance will be the original tourism personal accident insurance service to expand，The traditional insurance company of general afterwards manage compensate straight line，In a time of the accident and timely and effective relief。No matter in any place overseas visitors in danger，Call special phone can obtain free assistance。

　　目前，境内多数保险公司都与境外救援机构推出了境外紧急救援服务。比如中国人寿、太保寿险、中德安联人寿等公司都与SOS、安盛国际救援、优普环球救援等知名救援机构合作。

At present，Domestic most insurance companies are with overseas aid agencies launched overseas emergency services。China, for example, life insurance、What life insurance、China life insurance company and allianz, SOS、Axa international aid、Europtronic universal rescue, and other famous aid agencies cooperation。

方案二：跟团游 首选人身意外险 Scheme ii：With group swim preferred personal insurance

　　多数人的出游计划都集中在国内游，由于没有签证等强制要求，保险是最容易被忽视的出行必备。通常，游客在旅途中会面临以下风险：如在旅行中可能出现自然灾害；可能在乘坐的交通工具上出现意外伤害风险；在旅游景点发生意外；住宿时遭遇人身伤害等。

Most people's your travel plans are concentrated in domestic travel，With no compulsory for visas etc，Insurance is the most easy to ignore the travel is necessary。usually，Tourists during the trip will be facing the risk：As in travel may arise in the natural disasters；On a traffic tools may appear on the accident injury risk；In the tourist attractions accidents；Stay in personal injury, etc。

　　在此建议准备出游的游客，可以在出游前购买人身意外伤害保险。根据相关规定，旅行社必须投保旅行社责任险，游客一旦参加旅行社组织的活动，就可享有该项保险的权益。然而，在旅行途中遇到意外情况时，旅行社只负部分责任，自由活动时间发生的意外，旅行社概不负责。

In this proposal ready to travel tourists，Can buy to travel in before the person accident injury insurance。According to relevant provisions，Travel agency must cover travel agency liability insurance，Once the tourists in the activities of the travel agency，Can enjoy the insurance rights and interests。however，During the trip unexpected situations，Only part of responsibility for travel，Free time of the accident happened，Travel agencies are not responsible。

　　因此，为自己和家人购买人身意外伤害保险，显得格外重要。如果你不经常外出，可选择短期保险产品，保险期限有10天、半个月、一个月等；如果经常外出，则可购买一年期意外险产品，这样就避免了分次购买的麻烦。

so，For himself and his family to buy person accident injury insurance，Appear particularly important。If you don't often go out，Can choose the short-term insurance products，Insurance time limit has 10 days、Half a month、A month, etc；If often go out，It can buy the one-year casualty products，This prevents the points of the trouble to buy time。

　　对于寒暑假出行主力的学生家庭而言，保险专家建议，不妨购买一份全年综合意外险，用极低的保费，即可避免出游前遗忘购买的保险真空，也可以为孩子平时的意外风险添一重保障。

For winter and summer travel main students families，Insurance expert advice，Might as well buy a comprehensive casualty throughout the year，With a low premium，Travel can avoid before buying insurance forgotten vacuum，And to the children of the usual risks incident to add a heavy security。

　　需要提醒跟团游游客的是，在很多人身意外险承保范围中，攀岩、漂流、潜水、滑雪、蹦极、冲浪等高风险活动所造成的人身伤亡或财产损失被剔除在外，游客在购买旅行保险时一定要注意这些项目是否在保障范围内。一旦跟团游的游客发生异地出险，可在与旅行社商量后迅速拨打保险公司服务电话，向保险公司在出险地的分支机构报案，报案时需持保险相关单证，当地公司会迅速提供理赔服务。

Need to remind the tourists with group is swimming，In many personal insurance coverage，Rock climbing、drifting、diving、skiing、Bungee jumping、Surfing activities such as high risk caused by injury or property damage being dropped out，Tourists in buying travel insurance to pay attention whether these projects in security range。Once the tourists with group occurred different ground be or get out of danger，Can discuss in a travel agency immediately after the insurance company phone call service，To the insurance company to be or get out of danger in the branches of the report to the police，When authorities to need to hold insurance relevant documents，The local company will rapidly available claims service。

方案三：自驾游 人车都需上保险 Plan 3：ZiJiaYou people need the car insurance

　　自驾车旅游如今已成为一种时尚。由于自驾车旅游存在个性化、机动性等不确定因素，人和车都有一定风险。自驾车出游除了会面临日常行车的风险以外，还有一些特殊的风险：驾车人对远途复杂的路况不熟悉，导致碰撞、翻车事故的发生；旅游线路较为拥挤，导致刮蹭概率高；高速公路上发生重大交通事故的风险；以及自驾车出游人员面临的意外伤害风险增大等。

Since the drive travel now has become a kind of fashion。Because of the existing personalized drive tourism、Mobility and uncertain factors，And the vehicles have some risk。Since a drive in addition to daily route will face the risk of outside，And some special risk：Motorists long complicated traffic to not familiar with，Lead to collision、Landing accidents；Tourist routes more crowded，Lead to shave ceng high probability；Highway traffic accident of serious risk；And the researchers face drive the accident harm that risk increases, etc。

　　因此自驾游前，一定要仔细分析行程中可能遇到的风险，由此决定应该购买的险种。投保时要看清楚保险条款中有没有对行驶区域的限制，行车区域比较广的车主在选择车险时要特别注意保险公司的服务网络及异地理赔能力，以确保车辆无论在何处出险，保险公司都能及时提供理赔服务。

So before ZiJiaYou，Must careful analysis may be met in stroke risk，This decision should buy insurance。Cast when protecting to see insurance clause of regional restrictions have driving，Driving is wider area the owner of the car in the choice to pay special attention to insurance company's service network and the different claims ability，To ensure the vehicles, no matter where be or get out of danger，Insurance company can provide claims service。

　　目前针对自驾车出游的保险已经上市，大众可以在驾车出游时选择购买。比如人保的“综合性自驾游保险”，太平人寿的“中联车盟自驾车意外伤害保险”等都可以提供自驾游保障。

And for the drive from the insurance has listed，The public can in when choose to buy a drive。Such as the insurer“Comprehensive ZiJiaYou insurance”，Peace life“Aa China from driving accident injury insurance”Can provide ZiJiaYou security。

方案四：探险游 保障范围有限制 Plan 4：Limit the scope of protection adventure

　　参加蹦极、攀岩等危险性项目的游客要注意了，在一般的旅游人身意外险保单中，探险及惊险运动项目多数是被排除在承保范围外的。但在一些特殊情况下，某些保险公司的产品中可以包含这些刺激运动项目。所以大家在决定探险游前，一定要仔细挑选适合自己的保险产品。

Attend bungee jumping、Climbing, and so on of the project risk must pay attention to the tourists，In the general tourism personal insurance policy，Exploration and thrilling sport most is out of the coverage。But in some special cases，Some of the insurance companies could be held in these stimulate sport project。So all of you in the decision before the adventure，Must be carefully chosen for their insurance products。

　　比如，滑雪、蹦极这类高危险性运动某些保险公司也可以进行投保，但要在标准保费的基础上加收一定费用。比如，有保险公司规定，如果要为滑雪上保险，投保人必须是随团旅行。 另外，对于潜水运动，也有保险公司表示可以进行承保，但承保范围是：必须不超过10米的潜水，且保费是标准保费的数倍。

For example，skiing、Bungee jumping this kind of high risk some insurance company can also exercise insurance，But the standard of insurance cost basis, subject to certain fees。For example，Any insurance company rules，If the insurance for skiing，Policy-holder must be with the Tours。 In addition，For scuba diving，Also have insurance company said can accept insurance，But the coverage is：Must not more than 10 m diving，And the premium is the standard of insurance cost many times。

　　而对于攀岩运动，如果有技术指导、是专业人员从事，或在有专业人员保护的室内场馆，加点保费，有些保险公司也可以承保。但如果一些攀岩爱好者外出“探险”进行攀岩，多数保险公司都会对其保险需求拒之门外。

And for climbing，If there are technical guidance、Is the specialized personnel engaged in，Or have the professional personnel in the protection of the indoor venues，Add some premium，Some insurance companies can also accept insurance。But if some rock climber out“exploration”For rock climbing，Most insurance companies will demand of the insurance out the door。