眼看由中秋和国庆组成的长假已经逼近，不少市民按捺不住放飞的心情打算好好旅游一趟放松自己。攻略做了，机票定了，酒店预订了，感觉已万事俱备只差放假了。不过，你可别忘了出行中为你保驾护航的保险。记者采访了保险业的专家，根据自驾、跟团和自助游三种出行方式给出购买保险的建议。

See the Mid-Autumn festival vacation HeGuoQing composition has been approximation,Many people can't restrain flying mood going to take a trip to relax myself.Strategy made,Ticket set a,Hotel reservation the,Everything is in readiness for feeling, a difference of a holiday.but,You can't forget to travel to escort you insurance.The reporter interviewed the expert,According to drive/With group and self-help travel are three ways to buy insurance proposal.

自驾游有专门的保险综合意外险性价比高 Leading have special insurance comprehensive casualty cost-effective

　　由于全国高速公路在国庆假日期间首次对7座以下小型车免收通行费，不少市民都打算自驾游出行。虽然自驾出行灵活便捷，可是道路状况，驾驶员身体状况，天气变化都成为难以预料的风险因素，除了给爱车投上相关车险，给驾驶员和车上人员保上意外险也很重要。

Due to the national highway in the National Day holidays for seven for the first time under a toll-free small cars,A lot of people are going to travel navigator.Although drive travel flexible and convenient,But road conditions,The driver physical condition,The weather changes have all become unpredictable risk factors,In addition to cast in car related auto insurance,To the driver and the car on the personnel casualty insurance is also very important.

　　目前多家保险公司推出了针对自驾游的意外险产品，为自驾游客的旅途提供意外伤害及旅游意外医疗保障。业内人士建议，对于频繁出行的市民，短期意外险的性价比不如保障期为一年及以上保障较全面的意外险。

At present many insurance companies to launch the casualty leading products,For drive visitors journey offer an accident to harm and travel accident medical security.The personage inside course of study suggest,For the citizens of travel frequently,Short-term insurance performance-to-price ratio as guarantee period for one year or above security comprehensive insurance.

旅行责任险不够旅游意外险做补充 Travel liability insurance is not travel accident insurance do added

　　除了自驾游的市民，跟着旅行团出行的市民也不少。旅行社的合同里往往包含了“保险”一项，因此很多消费者感觉没有再自行购买保险的必要。不过，国内游中，旅行社一般只投保了旅行社责任险，游客可以添加旅游意外险作为补充。

In addition to the citizens of navigator,Follow the road travel and many citizens.Travel agency contract usually contain"insurance"a,So a lot of consumer feel no longer to purchase insurance is necessary.but,In domestic tourism,Travel agency generally only cover insurance on the travel agency liability insurance,Visitors can add travel accident insurance as a supplement.

　　旅行社责任险是指由于旅行社的责任导致的保险事故，对于旅游者因个人外出造成的意外事故、医疗费用支出并不承担赔偿责任。一般来说，国内游的团费不包括旅行意外险，需要自行购买。旅游意外险通常包括意外身故及伤残赔偿、医疗费用、住院津贴等，有些意外险产品还包括医疗运送和送返费用、身故遗体送返费用等，保障上更为全面。

Travel agent liability insurance is because the travel agency liability insurance accident caused,For tourists go out for personal cause accident/Medical expense is not assume liability to pay compensation.Generally speaking,The domestic tourism membership fee does not include travel accident insurance,Need to purchase.Travel accident insurance usually include accidental death and disability compensation/Medical expenses/Hospital allowance, etc,Some accident insurance products include medical evacuation and repatriation expenses/Die remains repatriation expenses, etc,Security on a more comprehensive.

　　境外游的团费则可能由于签证等因素的考虑，已经包含了意外险，消费者需要仔细阅读团费构成，酌情购买或补充意外险。

The overseas travel cost may be due to the consideration of factors such as visa,Already contains the casualty,Consumers need to be carefully read cost composition,Discretionary buy or supplement casualty.

　　“旅游过程中，对环境不熟悉，甚至语言不通，风险发生的概率大增。”旅行社从保险公司团购了旅游意外险，它的投保人和受益人都是游客，旅行社只是代理投保手续，一旦发生保单保障范围的事故，购买意外险的游客就会受到保障。

"Tourism process,On the environment are not familiar with,Even don't know the language,The probability of occurrence of a risk soar."Travel agencies from the insurance company group purchase the travel accident insurance,Its policy-holder and beneficiary beneficiary are tourists,Travel agency just agent cast maintain procedures,Once it has policy security range of accident,Buy casualty visitors will be affected by security.

自助游保险更要全保额建议为年收入十倍 Self-help insurance coverage to all more advice for ten times the annual income

　　自己订机票，自己订酒店，选择在假日期间自助旅游的“驴友”队伍也越来越庞大。完全自由的出行也意味着承担所有相应的风险，所以，在自助游的热门网站里，不约而同将保险放在重要位置。

His book ticket,His book hotel,Selection in holiday budget traveling"LvYou"The team is more and more huge.Completely free travel also means bear all the corresponding risk,so,In self-help popular website,Happen to coincide the insurance in an important position.

　　假日出行涉及的保险种类主要有人身意外伤害险、交通安全意外险和旅游意外险等险种，想在旅途中得到更周全的保障，旅游意外险是最佳选择。各大保险公司都趁着“黄金周”推出旅游意外险优惠措施，驴友通过网络购买一般都能得到折扣。

Holiday travel involves insurance types are mainly person accident injury insurance/Traffic safety accident insurance and travel accident insurance, and other categories,Want to get on the road more comprehensive security,Travel accident insurance is the best choice.Each big insurance companies are under the cover of"Golden week"Launch travel accident insurance preferential measures,LvYou through the network to buy can usually get a discount.

　　购买保险目的是，在意外发生后，能够切实降低甚至消除经济负担。业内人士建议：理想状况下，身故及全残的保额设定建议为被保险人年收入的10倍为宜，这能够保证意外发生后，被保险人的家庭生活质量在10年内不会受影响。而医疗费用、住院津贴等保额可根据目的地的医疗消费水平进行相应设定，一些保险公司就开发了旅游目的地专属旅游险产品，相比“一刀切”的境外险更物美价廉。

Buy insurance purpose is,After the accident,To really reduce or even eliminate the economic burden.The personage inside course of study suggest:Ideal condition,Die and the whole set of residual amount advice for the annual income of the insured 10 times advisable,This can guarantee that after the accident,The insured's family life quality in 10 years will not be affected.And medical expenses/Hospital allowance etc amount according to the destination of the medical consumption level set accordingly,Some insurance companies will develop the tourist destination exclusive travel insurance products,Compared with"One size fits all"Overseas insurance more affordable.

　　此外，航班延误险等险种也是不少驴友的热门投保品种，可以减轻因航班延误造成的出行困扰。

In addition,The flight delay risks, and other categories is also a lot of LvYou hot insurance breed,Can relieve for flight delay by the travel trouble.

　　在旅游保险产品中，个人财产因意外被损毁或盗窃、个人行李损坏或被盗也是可能发生的风险，这些风险可以通过附加险的方式投保。

In the travel insurance products,Personal property is damaged by accident or theft/Personal luggage damage or theft is also possible risk,These risks can through the way of additional risk insurance.

　　要注意的是，一般的保单只承保一般可保意外伤害，登山、跳伞、滑雪、赛车、拳击、江河漂流、摔跤等剧烈的体育活动可能不在可保范围内，游客需要投保专门的险种。

To pay attention to is,The general policy only underwriting general insurable accident harm,mountaineering/parachute/skiing/racing/boxing/River rafting/Wrestling intense physical activity may not insurable range,Visitors need for special risk.