《每日经济新闻》记者近日调查了多家保险公司官网上销售的意外险产品，发现虽然相比传统渠道，网销的保险价格要便宜不少，但不同公司的产品价格仍有不小差异。以同样投保飞机意外保障80万元、火车、轮船和汽车意外保障各10万元为例，不同保险公司的产品两者相差一倍多。

[Daily economic news]Recently, reporters investigated several insurance company website sales of insurance products,Found that although, compared with the traditional channel,Net pin insurance prices are cheaper many,But different company's product price is still a lot of differences.In the same plane accident insurance guarantee 800000 yuan/The train/The ship and car accident security every 100000 yuan as an example,Different insurance company's products both differ a times more.

　　由此看来，网购意外险虽然便宜，但消费者也需货比三家。

So it,The net is cheap casualty,But consumer also need to shop around.

节前意外险销售火爆 Preganglionic accident insurance sales hot

　　中国旅游研究院的专项调查称，居民在春节期间出游意愿高达76.8%，大幅高于去年同期的36.5%。该机构还预测，今年春节期间出游人数预计将达到2.11亿人次，同比增长20%。该机构还称，中国居民的保险意识有所增强。

China's tourism research institute special survey said,Residents during the Spring Festival travel intend to as high as 76.8%,Significantly higher than the same period last year 36.5%.The agency also predict,This year the number of travel during the Spring Festival is expected to reach 211 million people,Year-on-year growth of 20%.The agency says,Chinese people's insurance consciousness are improved.

　　以淘宝网为例，其意外险销量呈直线上升。其中，平安保险官方旗舰店销售的平安交通工具意外险飞机100万元，火车高铁轮船50万元，汽车5万元的意外险，在2月3日11时1小时内成交了9笔。

In taobao, for example,The accident insurance sales sharply increased.the,Ping an insurance official flagship store sales peace transportation accident insurance plane is 1 million yuan,The train high iron ships 500000 yuan,Car accident of 50000 yuan,On February 3, and up to 1 hour nine pen clinch a deal.

　　同时，记者随机查看了淘宝网保险意外险的销售情况，2月1日~2月3日三天里，中国平安淘宝官方旗舰店，一款名为“平安交通工具意外保险飞机100万、火车高铁轮船50万、汽车5万”，保费16元~100元之间，保险期间7天到一年不等的产品，销售量为295份；泰康人寿淘宝官方旗舰店的交通工具意外保险乘坐和驾驶私家必备日常上班自驾游必备，保费为28.22元~148.51元，保险期限为7天到一年，销量为164份；阳光保险淘宝官方旗舰店的一份阳光保险一年以内交通工具意外保险商旅版意外险商务，保费为50元每份，销售为68份。

At the same time,Reporter random check the taobao insurance accident insurance sales situation,February 1 ~ 2 March in three days,China peace taobao official flagship store,One called"Safe transportation accident insurance flight 1 million/The train high iron ships 500000/50000 cars",Premium 16 yuan to 100 yuan between,Insurance period 7 days to a range of products,Sales for 295 a;Taikang life taobao official flagship store of transportation accident insurance take and driving private necessary daily work necessary navigator,The premium is 28.22 yuan to 148.51 yuan,Insurance time limit for 7 days to a year,Sales for 164 a;Sunshine insurance taobao official flagship store in a sunshine insurance within one year from the transportation accident insurance business edition accident insurance business,The premium for fifty yuan each,Sales for 68 a.

　　淘宝网一位不愿具名的内部人士透露，现在意外险的销量大约是平时的10倍到20倍。该人士透露，一般来说在长假期间意外险的销量都会比平时多，同时因为今年火车票取消了保险，人们会更多考虑保险的问题。

Taobao an anonymous source said,Now the sales of casualty is about ten times at ordinary times to twenty times.The sources,Generally speaking in holiday accident insurance sales will be more than usual,At the same time, because this train ticket to cancel the insurance,People will more consideration to the problem of insurance.

　　大童保险经纪公司总经理张焘在接受《每日经济新闻》记者采访时坦言，最近大童网意外险的销量比较平时好一些，事实上每到长假期间大童网的意外险销量都会比较平时好一些。

Big child insurance brokerage company general manager ZhangDao in accepting[Daily economic news]A reporter to interview said,Recent major children's net sales of casualty is usually better,In fact every holiday big children's net sales casualty will is usually better.

　　多位险企人士在与记者交流时表示，感觉最近意外险销售量比平时要好。人保寿险任先生分析认为，近期意外险销售火爆，主要有两方面的原因，一是保险公司开门红的推动，另一方面是春节期间，在外工作的人员回家过年，人口大迁移，加上人们的保险意识比以前强了。

Many risks to people in communication with reporters said,Feeling better than usual in recent accident insurance sales.Life insurer as Sir Analysis think,Recent accident insurance sales hot,There are two major reasons,One is the insurance company make a push,On the other hand, during the Spring Festival,Out work of the staff to return home for the New Year,Population great migration,With people's insurance consciousness strong than before.

同样保障保费相差一倍多 The same security premium are more than twice as high

　　2013年火车强制保险的取消，无疑给商业保险公司带来了机遇。淘宝网最近销量份数最多的也是保障交通意外为主的意外保险产品。

In 2013, the cancellation of the compulsory insurance,No doubt to commercial insurance company brings opportunities.Taobao recently parts by sales is up to ensure traffic accident primarily accident insurance products.

　　《每日经济新闻》记者发现，部分保险公司推出了与火车相关的意外保险产品，例如阳光保险在其官网上推出了一款专门针对乘坐火车出行的 “铁路旅客意外险”，以保险期限1个月的产品为例，只需要3元便可以获得20万元的铁路旅客意外伤害保障。

[Daily economic news]Reporter discovery,Part of the insurance company launched and train related accident insurance products,Such as sunshine insurance in its official website launched a new specific to take the train travel "Railway passenger accident insurance",In the insurance period 1 month products as an example,Only need to 3 yuan can obtain 200000 yuan of railway passenger accident harm security.

　　虽然网购一直是被公认为比较便宜的购物渠道，但以意外险网购为例，类似的产品，相同的保障范围，但其保费的差价却是巨大的。

Although the net has been recognized for cheaper shopping channel,But in the net casualty as an example,Similar products,The same coverage,But its premium price difference is huge.

　　《每日经济新闻》记者以投保一年期飞机意外保障80万、火车、轮船和汽车意外保障各10万元为标的，对保险公司官网销售的这类保险产品进行了调查，发现被调查公司中，保费最低的是平安官网销售的意外险(53元)；保费最高的则是合众人寿的意外险(121元)，两者相差一倍多。

[Daily economic news]Reporter in the aircraft accident insurance guarantee 800000/The train/The ship and car accident protects the $100000 mark,The insurance company's official website sales of this kind of insurance products were investigated,Have been found in the survey,The premium is the lowest sales casualty peace's official website(53 yuan);The highest premium is hezhong life accident insurance(121 yuan),Both are more than twice as high.

消费者需防意外险假保单 Consumers need to prevent casualty false policy

　　某险企阳先生坦言，买保险不光要看价格，同时还要看理赔和服务等。

A risk to Mr. Yang said,Buy insurance not only to see the price,At the same time also see claims and service, etc.

　　事实上，买意外险也有很多门道，要特别留意有哪些理赔的注意事项。中意人寿保险人士在与《每日经济新闻》记者交流时表示，春节出行购买综合意外险花钱少保障会更高。该人士介绍称，目前市场上有二类交通意外险，一是短期交通意外险，另一种是综合交通意外险，其中短期意外险最短为1天，最长为1年，保障范围涵盖各种交通工具，费用较低，但保险责任主要限于身故；综合交通意外险包括意外身故、意外残疾、意外烧伤等综合保障，提供的保障更全面，保险期限也更长。中意人寿保险专家认为，两类保险各有优势，投保人应该根据自己的出行情况购买不同的意外保险。如果经常出差或使用交通工具，建议选择综合交通意外保险，花更少的钱，获得更长时间、更高的保障。

In fact,Buy insurance also has a lot of gate,Special attention to what are the claims of the matters needing attention.Like people in life insurance and[Daily economic news]Reporter said communication,The Spring Festival travel buy comprehensive insurance money less security will be higher.This personage introduction says,Now in the market a kind of traffic accident insurance,One is the short-term traffic accident insurance,Another kind is integrated traffic accident insurance,The shortest short-term casualty 1 day,Longest for 1 year,The scope of protection cover all kinds of transportation,Low cost,But the insurance liability mainly limited to die;Integrated traffic accident insurance including accidental death/Accidental disability/Accidental burns and other comprehensive security,Provide more comprehensive protection,Insurance time limit is also longer.Like life insurance experts say,Two kinds of insurance each have an advantage,The applicant should according to their own situation to buy different travel accident insurance.If travel or use the traffic tools,Suggestion choice integrated traffic accident insurance,Spend less money,Get longer/Higher security.

　　对于消费者购买意外险，张焘建议，尽量购买一年期的意外险，虽然7天、一个月的意外险看似价格便宜，但如果以年来算，一年期的会更好一些。另外建议购买那种基本的意外保障类意外险，即包括身故、伤残、住院医疗类的意外险产品，在住院医疗费用方面普通人最好是每年买1万元的保障。在购买交通工具类意外险时，消费者要看清楚保险条款，因为很多保险公司的条款都规定，被保险人以乘客的身份乘坐公共交通工具，这意味着如果自驾或者乘坐自家的车出了事故，可能是不赔的。此外，对于意外险中的住院津贴，他表示个人认为是可有可无，一是住院津贴这方面容易产生一问题 (比如对就医有限制)；另一方面是价格比较贵。此外，随着保险公司开门红的推动，有个别保险公司在赠险的时候可能会出现假保单，消费者需要严防假保单。

For consumers to buy insurance,ZhangDao Suggestions,Try to buy one casualty,Although 7 days/A month of casualty looks cheap,But if the years count,One will be better.Another suggestion for the basic accident security class accident insurance,Which includes die/disability/Kind of medical treatment of be in hospital insurance products,In the medical treatment of be in hospital cost on ordinary people is best buy 10000 yuan each year guarantee.When buying vehicles when class casualty,Consumers to see clear insurance clauses,Because many insurance companies have stipulated terms,The insured to the identity of the passengers to take public transportation vehicles,This means that if drive or take his car out of the accident,May not be the loss.In addition,For the casualty hospital allowance,He said people think is dispensable,One is the hospital allowance this easy to produce a problem (Such as the doctor restricted);On the other hand is the price is more expensive.In addition,Along with the insurance company make a push,Individual insurance company in the present risks may appear false policy,Consumers need to take strict precautions against false policy.

　　针对春运期间人们出行增多，意外险销售火爆，近日，北京保险行业协会也发出消费提醒。包括三点建议：第一，建议消费者选择合适的保险产品；第二选择有资质的购买途径；第三要检查核实保单信息，保护自己的合法权益。在北京地区购买意外险的消费者，可以向保险公司核实保单真假，也可以通过北京保险行业协会网站的意外险查询平台进行核实。

During the Spring Festival for people to travel more,Accident insurance sales hot,recently,Beijing insurance industry association issued consumption remind.Including three Suggestions:The first,Suggest that consumers choose the right of insurance products;Second choice have aptitude purchase way;The third to check that policy information,To protect their legitimate rights and interests.In Beijing area to buy insurance consumers,Can verify the true and false to insurance company policy,Can also through the Beijing insurance industry association website casualty inquires verify platform.