How much does travel insurance cost? ——Analysis and price comparison of hot topics across the Internet
Recently, "how much does travel insurance cost" has become a hot topic on social platforms and search engines. Especially with the arrival of the summer travel season, tourists' attention to insurance costs has increased significantly. This article combines the hot data of the entire network in the past 10 days to provide you with a structured analysis of the price range and influencing factors of travel insurance.
1. Core influencing factors of travel insurance prices
According to popular product data from major insurance platforms (such as Ping An, PICC, and Ant Insurance), price differences are mainly affected by the following factors:
| Influencing factors | Price range | illustrate |
|---|---|---|
| destination | 30-500 yuan | Insurance premiums in developed countries such as Europe and the United States are 3-5 times higher than those in Southeast Asia |
| Number of days of protection | 10-200 yuan/day | The premium for a 7-day trip is usually 50-70% of the total price |
| Insurance amount | 50-1000 yuan | Medical coverage of 500,000 yuan is 40-60% more expensive than 100,000 yuan |
| special projects | +100-300 yuan | High-risk sports such as skiing and diving require additional insurance |
2. Price comparison of popular travel insurance products across the Internet
Capture the top 5 most discussed insurance products on Douyin, Xiaohongshu, Weibo and other platforms (data statistics period: November 1-10, 2023):
| Product name | base price | Popular coverage | Platform hot search index |
|---|---|---|---|
| Safely "travel the world" | Starting from 35 yuan | Flight delay + lost luggage | 187,000 |
| PICC "Worry-Free Overseas" | Starting from 120 yuan | COVID-19 Medical + Emergency Rescue | 152,000 |
| Ant Insurance "Travel Accident Insurance" | Starting from 9.9 yuan | Cost-effective basic protection | 224,000 |
| ZhongAn "Schengen Travel Insurance" | Starting from 280 yuan | Meet EU visa requirements | 98,000 |
| Pacific "Family Travel Insurance" | Starting from 158 yuan | Sharing coverage for 3 people in the family | 121,000 |
3. The three price issues that users are most concerned about
By capturing questions from Zhihu, Baidu Zhizhi and other platforms, we found that high-frequency questions include:
1."Why is insurance in Japan twice as expensive as in Thailand for the same 7-day trip?"
——Mainly due to higher medical costs in Japan, accident insurance coverage usually requires ≥300,000 yuan, while in Thailand, 100,000 yuan is enough.
2."What is the difference between the 200 yuan insurance quoted by the travel agency and the 80 yuan insurance purchased by yourself?"
——Travel agency products often include liability insurance (to protect the travel agency’s fault), while self-purchased insurance focuses on personal accidents and medical care.
3."How much does winter ski insurance cost?"
——It is necessary to add "high-risk sports supplementary insurance", and the average daily cost will increase by about 25-50 yuan. For example, the average daily cost of China Pacific Insurance's ski insurance is +38 yuan.
4. Travel insurance price trends in 2023
Comparing the data for 2022, we found:
| insurance type | Average price in 2022 | Average price in 2023 | Increase |
|---|---|---|---|
| Domestic short-term insurance | 25 yuan | 32 yuan | +28% |
| Asia regional insurance | 85 yuan | 110 yuan | +29.4% |
| Schengen national insurance | 240 yuan | 265 yuan | +10.4% |
The price increase is mainly affected by global medical inflation, which is also one of the reasons why some insurance companies include "war risk" in their exemption clauses.
5. Purchase suggestions
1.Buy 7 days in advance: Early bird discounts for some products can reach 15% (such as the "early purchase" activity on Ctrip Insurance Channel)
2.Price comparison skills: Pay attention to whether practical terms such as "travel changes" and "property theft" are included
3.Student discount: For example, Meiya’s “Youth Edition” insurance, you can enjoy 30% off with your student ID
Note: The above data comes from public platform statistics, and the specific price is subject to the real-time quotation of the insurance company.
check the details
check the details
en
