Do I still need to buy accident insurance myself in Luoyang?

[Direct conclusion] 【Strongly advised. Key points to keep in mind: 1. Liability only covers agency fault; your own slip, food allergy, sudden accident aren't in liability. 2. A personal accident policy with medical and acute illness is the 'personal backstop' most worth adding beyond liability.】 Why self-buy: Four reasons: ◆ Liability has blind spots: personal accident untouched. 3. ◆ Low price high leverage: few yuan/day for tens of thousands cover. 4. ◆ Medical reimbursement: clinic out of town claimable, saves cash. Note: Read the coverage and the exclusions before purchasing. 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.