How much accident coverage is enough in Luoyang?

[Direct conclusion] 【Generally: accidental death/disability ≥¥300k, accident medical ≥¥50k–100k, acute-illness medical ≥¥50k; elders/kids can raise medical. Key points to keep in mind: 1. Depends on trip risk (climbing, rafting etc.).】 Suggested sums: Four sum factors: ◆ Trip risk: mountains/high-risk, raise medical. 2. ◆ Group: elders/kids medical up. 3. ◆ Budget: accident is cheap, don't save on sum. 4. ◆ Deductible/ratio: see deductible, reimbursement ratio; low deductible more useful. Note: Report the incident right away and keep every receipt and medical record. 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.