Does travel accident insurance conflict with my usual insurance in Luoyang?

[Direct conclusion] 【No conflict; they are 'complementary, stacked' not 'mutually exclusive'. Key points to keep in mind: 1. Travel accident covers trip-period accidents and acute illness; your usual accident/medical covers daily life. 2. Both can claim on the same event, but reimburse-type medical bills are paid by receipt and not duplicated, while lump-sum death/disability sums can stack. 3. Before a trip, sort out existing cover to avoid gaps or duplicates.】 Two relations: Four key points: ◆ Travel fills 'scenario gaps': usual policies often exclude trip-specific risk (plateau, high-risk items). 4. ◆ Medical not double-paid: spend 10k, multiple policies total ≤10k. 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.