Does cover bundled with my credit card or a booking platform overlap with the agency's policy in Luoyang?

[Direct conclusion] Medical and property losses are indemnity-based, so multiple policies together still pay no more than the actual loss. Key points to keep in mind: 1. Death, disability and fixed delay benefits are stated-sum and do stack.】 Stacking rules: Once you know which is which, you know what to keep and what not to duplicate. 2. | Type | Do policies stack | |---|---| | Accident medical | no, limited to actual loss | | Property loss | no | | Death and disability | yes | | Fixed flight delay benefit | yes | ◆ Tip: tell us what cover you already have so we avoid waste and keep the stated-sum benefits stacked. 3. We can review your policies. 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. 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.