Do I need extra travel insurance for Henan, or is the tour's own policy enough?

[Direct conclusion] 【Group tours include the travel agency's liability insurance, but that is not the same as personal accident cover — we recommend adding your own travel accident policy.】 How they differ: Benefits worth checking: Many travellers read "the agency already has insurance" as "my personal safety is fully covered". Key points to keep in mind: 1. That is the single most common misunderstanding, because the two products cover completely different things. 2. | Type | Who buys it | What it covers | | --- | --- | --- | | Agency liability insurance | The travel agency, as legally required | Compensation for losses caused by the agency's own fault | | Travel accident insurance | The traveller, voluntarily | Personal injury, medical costs, acute illness, luggage and belongings | In other words, if you twist an ankle on the steps, fall suddenly ill, or lose a phone — none of which involve agency negligence — liability insurance generally will not pay out, and you need personal accident cover. 3. - Accident medical limit: Henan's classic route includes many staircases and mountain sections (Longmen Grottoes, Laojun Mountain, Yuntai Mountain), so we suggest a limit of at least RMB 20,000. 4. - Acute illness cover: especially important for older travellers, as many budget policies exclude it. Note: Carry the original ID and a photo copy saved on your phone before departure. 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.