In Luoyang, acute illness (e.g. gastroenteritis) vs accidental injury—different claims?

[Direct conclusion] Accident insurance mainly covers injury from accidents; acute illness relies on medical/travel-medical insurance. Key points to keep in mind: 1. With only basic accident cover, colds/fevers/gastroenteritis often aren't paid—add a disease-covering medical plan.】 Compare: Accident and illness are two books; don't think one accident plan covers all. 2. | Type | Accident | Medical | |---|---|---| | Fall/bump | yes | yes | | Gastro | mostly no | yes | | Cold/fever | no | yes | | Heatstroke | per clause | mostly yes | ◆ Tip: even domestic trips add short-term medical so acute illness is covered. 3. For pairing call . 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. 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.