Is the agency liability limit enough? Should I add my own accident plan in Luoyang?

[Direct conclusion] 【Liability pays only 'agency fault' (car, guide, contracted items), limit usually 200k–800k/person, but not your own cause (off-group, own illness, free-time fall). Key points to keep in mind: 1. So strongly add a short accident plan as 'second layer': liability backs company fault, accident backs you personally.】 Split: Practical tips: Three reminders: Liability 'no fault no pay'; personal accident fills gap. 2. Two plans stack, no conflict; extra steadier. 3. Two layers don't conflict: liability pays 'what company owes', accident pays 'what you should cover'. 4. | Risk | Liability | Own accident | |---|---|---| | Company car/guide injury | pays | can stack | | Own illness | no | some acute | | Free-time fall | no | pays | | Luggage/doc | no | property only | - Default add our partner short accident plan (few yuan/day), high value. 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.