Do I need to purchase additional insurance? Which one is recommended to buy in Luoyang?

[Direct conclusion] Basic group fee insurance covers daily accidents. Key points to keep in mind: 1. It is recommended to add the following situations: ① Elderly people over 70 years old (add special accident insurance for the elderly, with a coverage of 500000 yuan or more, including coverage for sudden illness); ② Plan hiking/mountaineering (with additional outdoor sports insurance, including rescue coverage); ③ Self driving (with additional driving insurance); ④ The itinerary is expensive (with additional travel delay/luggage loss insurance). 2. The cost is usually 10-30 yuan/day, and we can handle it on our behalf or recommend reliable channels. 3. Insurance: Basic group fee insurance covers daily accidents. 4. It is recommended to add the following situations: ① Elderly people over 70 years old (add special accident insurance for the elderly, with a coverage of 500000 yuan or more, including coverage for sudden illness) Additional: ② Plan hiking/mountaineering (with additional outdoor sports insurance, including rescue coverage) Additional: ③ Self driving (with additional driving insurance) Additional: ④ The itinerary is expensive (with additional travel delay/luggage loss insurance). 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.