Can insurance compensate for illness in Luoyang?

[Direct conclusion] Basic travel accident insurance does not cover diseases (only injuries caused by accidents). Key points to keep in mind: 1. But if you purchase an upgraded version of travel insurance that includes "acute illness medical care" (with an additional fee of about 5-10 yuan/day), the medical expenses for sudden emergencies during the journey (such as acute gastroenteritis, heatstroke, altitude sickness, etc.) can be reimbursed (usually limited to 10000-20000 yuan). 2. Past illness/acute exacerbation of chronic disease is not covered by compensation. 3. It is recommended to choose an appropriate insurance plan based on one's own health condition. 4. Insurance: Basic travel accident insurance does not cover diseases (only injuries caused by accidents). 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.