不少市民保险意识淡薄 Many citizens insurance consciousness

　　家住湘江世纪城的刘女士告诉记者，孩子放暑假了，准备一家三口自驾去张家界、凤凰等省内知名景点游玩，顺便让高考完的孩子放松一下。对于是否给全家出游买份保险，刘女士表示没想过，也觉得没必要，能不花的钱就不花。

Live in xiangjiang river of century city liu told reporters，The child was summer vacation，Ready to drive to a family of three zhangjiajie、Phoenix etc province famous scenic spot play，Conveniently let the college entrance examination children to relax。For whether to buy a whole family travel insurance，Liu said didn't want to，Also feel not necessary，Can not to spend the money to spend。

　　记者采访发现，多数市民出游前都只是关心价格数千甚至数万元的旅游线路是否适合自己，从不主动咨询旅游保险。而有资料显示，很多旅游事故赔付纠纷，就缘于当事人没买合适的保险。对此，新华保险湖南分公司的保险专家表示，暑假出游购买一份合适的保险是非常有必要的。

Reporters found，Most people are just before starting off about price even tens of thousands of yuan of travel thousands of line is for you，Never actively consulting travel insurance。And the data shows，Many travel accident compensation disputes，Just because the parties didn't buy a suitable insurance。this，Xinhua insurance hunan branch of insurance experts said，Summer travel to buy a suitable insurance is very necessary。

境外游更需紧急救援服务 Foreign visits need more to emergency services

　　相比家庭自驾游而言，不少市民选择跟团旅游，旅行社也会给参团的游客买保险。但是，新华保险湖南分公司的保险专家提醒，跟团出游时，旅行社责任险的保障范围是有限的，出现事故除非旅行社存在过失，否则旅客得不到赔偿。

ZiJiaYou than their family is concerned，Many people choose with a tourist group，Travel agencies are also will give CanTuan tourists to buy insurance。but，Xinhua insurance of insurance experts remind hunan branch，Group when you travel with，Travel agent liability insurance coverage is limited，An accident unless travel agency exists faults，Otherwise the passengers get compensation。

　　因此，游客跟团出游还需要为自己购买旅意险。尤其是出境游，保险就更加重要。以去欧洲为例，不少欧洲国家的签证要求必须有保险证明，游客必须购买保额在30万元以上并含有医疗救助的保险。

so，Visitors to travel with group still need to buy a meaning risks。Especially outbound，Insurance is much more important。To go to Europe, for example，Many European countries visa requirements must have insurance certificate，Visitors must buy protect the forehead to be in 300000 yuan of above and contain medical assistance insurance。

　　对境外游的消费者，保险专家建议，投保人宜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，投保时要选择有专业医疗救援背景的保险公司。

Outside to swim consumers，Insurance expert advice，The applicant should have preferred outside the emergency services of the insurance companies，Namely travel assistance insurance，When insurance should choose to have professional medical rescue of the background of the insurance company。

购短期旅游险看清楚三点 Buy short-term travel risks see clear at 3 o 'clock

　　其实，一些喜欢网购的市民已经习惯在出行前主动给自己买一份保险。记者在淘宝网上看到，短期旅游意外险价格并不高，价格最低的为一保险公司团购的旅游意外保险，含食物中毒、中暑医疗责任，最高保额为10万元，保费仅1.5元。此外，一些保险公司推出的3元、5元旅游险拥趸者众，如一款适合自驾游、跟团游、自由行、温泉等的旅游意外险保费为3元，累计售出27825份。

In fact，Some like the citizens of e-commerce is used to trip before the initiative to give oneself buy a insurance。The reporter saw on taobao，Short-term tourism casualty is not high prices，The lowest price for an insurance company a bulk travel accident insurance，Including food poisoning、Heatstroke medical liability，The highest amount for 100000 yuan，The premium is only 1.5 yuan。In addition，Some insurance companies introduced 3 yuan、5 yuan travel risks of the fan，As ZiJiaYou suits、Swim with group、Free line、The hot spring tourism casualty insurance cost of 3 yuan，Total 27825 copies sold。

　　自助买保险的确是既经济又方便的方法，但在玲琅满目的产品中，如何选择最适合自己的呢？新华保险湖南分公司专家介绍，意外险有旅游意外险、航空意外险、交通意外险、一般意外险、旅游救助险等。购买意外保险时需要注意三个细节：一是意外时间限制，即自意外事故发生之日起，多少天内导致的身故、伤残和医疗费用由保险公司承担赔偿责任；二是意外医疗费用的限制，大部分公司的医疗费用一般都是在社保内用药范围内按年度限额来定义，并且有起付线；三是户外探险游更需保险保障，部分保险公司推出了蹦极、攀岩、潜水和滑雪这类高风险运动保险，但要在标准保费基础上加收费用，且有一定限制条件。以潜水运动为例，有团体险要求必须是不超过10米的潜水，保费是标准保费的4倍。

Self-help buy insurance really is both economical and convenient method，But ling lang see everywhere in the product，How to select the most suitable？Xinhua insurance hunan enterprise expert introduction，Have the travel accident insurance、Aviation accident、Traffic accident、General casualty、Travel assistance risks, etc。Purchase accident insurance should be paid attention to three details：A is it an accident time limit，Since that is the date of accident，How many days of lead to die、Disability and medical expenses shall be borne by the insurance company the liability for compensation；2 it is accident medical treatment fee restrictions，Most of the company's medical expenses are generally in the social security within the limits using drug according to the annual quota to define，And start to pay line；Three is outdoor adventure need more to insurance，Part of the insurance company launched bungee jumping、Rock climbing、Diving and skiing this kind of high-risk sports insurance，But the standard based on the premium cost extra，And a certain constraints。To diving for example，A group insurance requirements must be no more than 10 m diving，The premium is the standard of insurance cost 4 times。