Do I buy insurance separately for a Henan group tour?

[Direct conclusion] Group tours include agency liability; personal accident insurance is recommended, tens of yuan for accidental medical and disability, add at booking. Key points to keep in mind: 1. Liability: Agency liability included Add: Accident add-on Cheap: Tens of yuan Consult: Call We provide group tours, private customization, ground handling, car charter and airport transfer. 2. Call for consultation, quotes, booking and after-sales support; we sign formal contracts, issue proper receipts and offer full after-sales protection. 3. The above is for general reference and subject to the signed tour contract and departure notice. 4. Confirm the meeting time and place, bring all documents and allow enough time before departure. Note: Travel insurance is a supplement, not a substitute for a health check. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.