A man died in a mountaineering accident in Nepal, and he could not be compensated for buying the wrong product

Fudan graduate student died in mountaineering in the Mount Everest area, and the topic of insurance company's refusal to rescue before his death has rushed to the hot search a few days ago. On April 17, a reporter from Beijing Business Daily learned that the cause of this incident was that a man purchased a travel insurance before traveling to the Mount Everest region in Nepal, and had an accident during the return trip to the mountain.

When choosing insurance before overseas travel, what homework does the policyholder need to do to prevent falling into the mindset of "everything is worry-free if you buy insurance"?

There are a variety of product choices, and if you buy the wrong one, you will not be able to make a claim

According to media reports, Lu Wen, a graduate student from Fudan University, purchased Asia Travel Insurance (Asia Upgrade Program) before traveling to the Everest region of Nepal. When Ruben was sitting on the plane to Nepal, an electronic copy of the policy was sent to his mobile phone, and the "Coverage Area" column read "Asia (except Nepal)".

On the way back from the mountain, there was an accident such as high anti-reaction, and when the traveler who participated in the rescue contacted the insurance company for rescue, he learned that the product purchased by Levin did not include the rescue in Nepal. Subsequently, Leuven's father contacted the rescue through other means, but before the helicopter went to the rescue, Leuven lost his precious life.

A reporter from Beijing Business Daily learned that before traveling abroad, many people will purchase a travel accident insurance, which can be selected according to the travel destinations in the Asia-Pacific, Europe, Americas, and the world. This type of insurance not only covers the loss of personal property, flight delays and baggage delays during overseas travel, but also protects against overseas travel risks such as accidental injuries and sudden illness medical treatment.

Taking AIG Travel Asia Travel Insurance (Asia Upgrade Plan) as an example, the information released by the WeChat official account of AIG Property & Casualty Insurance Co., Ltd. (hereinafter referred to as "AIG Insurance") shows that the protection liabilities of this insurance include accidental death and disability protection (minors), medical transportation and round-trip, medical compensation (including inpatient and outpatient medical expenses), travel delay, etc. At the same time, according to the relevant introduction, the coverage area of this insurance is Asia (except Nepal).

Based on the above incidents, it is not difficult to find that because the insurance purchased does not cover a specific country, the rescue provided by the insurance company is missed.

A senior agent told Beijing Business Daily that insurance companies have insurance packages that cover Nepal, and many travelers go to Nepal for the purpose of mountaineering, which means that the risk is significantly greater, and they need to buy more expensive insurance plans to cover.

The difference between more expensive insurance plans is that they cover more and more specific high-risk sports such as skiing, mountaineering, skydiving, etc., than low-risk sports such as surfing and cycling. There is also a more detailed division of coverage for the altitude of the mountain climbed. On the whole, according to the different coverage amount, coverage period, and coverage content, taking 15 days as an example, the price of insurance products ranges from tens of yuan to several hundred yuan, while the travel accident insurance premiums that cover more countries or specific countries and protect high-risk sports are concentrated in the range of hundreds to thousands of yuan.

For the travel insurance on the market that includes Nepal as a country in the scope of protection, the premium level is much higher than the ordinary version or the Asian version (except Nepal), Li Chao, an insurance lawyer at Beijing Tianzhun Law Firm, said that it is understood that the Meiya Insurance Company involved in this incident has a global version of travel insurance, with a protection period of 20 days, and according to the different packages, it is found that the death insurance amount is 200,000-1 million yuan, and the premium is about 340- 896 yuan, and the above events involved in the product, the death insurance amount of 350,000 yuan, the premium of 356 yuan, plus other responsibilities may also be different, in general, the global version will be more expensive than the ordinary version, according to different responsibilities, the premium is about 30%-100%, but because the travel insurance premium itself is not high, so even if it is more expensive, compared to the total cost of a trip, for consumers, it should be a few hundred yuan more expensive.

In fact, the vast majority of overseas travel insurance will clearly have differences in insurance liability and rate settings according to the different travel destinations. Based on this, Li Chao said, for example, Nepal is a country that is visited by many mountaineering enthusiasts in the world, and mountaineering in the Everest area itself is obviously much riskier than other travel or mountaineering activities. For situations with significantly higher risks, insurance products are more fair in terms of insurance principles by making separate packages or separate billing, and avoid subsidizing premiums for people who only travel to ordinary areas and people who travel to high-risk areas. Similarly, Africa and the Americas are many insurance packages that require additional fees or additions, and some insurance companies are also special not to compensate for wars, turmoil, and countries and regions that have been sanctioned by international sanctions.

Avoid "self-righteousness" and confirm that protection is a prerequisite for compensation

Since the mainland opened Nepal for travel, it has attracted many Chinese tourists. However, Nepal is located in a mountainous area and has a volatile climate, so if you are traveling and planning to purchase an insurance policy, it is important to familiarize yourself with the coverage of the insurance you are buying.

This idea is also applicable to any country when leaving the country, that is, to buy insurance, you must know clearly what is covered and what is not covered. In addition, while further enhancing the awareness of protection, we should also avoid falling into the mindset that everything is worry-free when you buy insurance.

"Consumers should carefully read all the content introduction, terms, insurance instructions, and frequently asked questions of the insurance product before applying for insurance, and read the content of the policy carefully after receiving the policy, check and confirm whether there is a deviation from their own understanding, so as to avoid buying insurance by mistake because of negligence, and when the risk comes, they find that the insurance cannot be used. Li Chao said that before consumers buy insurance, they should fully and meticulously understand the characteristics of the products they purchase, the details of the rules, the content of the terms, and the applicable scenarios. After purchasing, you should check in time whether the insurance you have insured is consistent with your understanding and whether there are any errors in the content of the original insurance policy. At the same time, with the development of social economy, insurance products are becoming more and more rich and complex, consumers can also seek the help of professional insurance brokers to analyze and avoid pitfalls when purchasing insurance.

In addition, familiarity with the claims process should not be overlooked. When you really need to make a claim, you may be unfamiliar with the process and cause delays or trouble. Li Chao said that before purchasing travel insurance, consumers should have a detailed understanding of the basic ways of handling claims for different liabilities, keep overseas emergency reports and rescue calls, so that they or their families can contact the insurance company in time when they are in danger, and at the same time keep the relevant medical expense documents, alarm records, event certificates, etc., and properly handle emergencies in accordance with the requirements of the insurance company.

Beijing Business Daily reporter Hu Yongxin