Does travel insurance conflict with my existing health insurance, and how to claim without overlap in Luoyang?

[Direct conclusion] No conflict—it is supplementary. Key points to keep in mind: 1. Claim your health plan first; travel insurance covers gaps like emergency rescue or accidental death. 2. Show proof of other claims to avoid double collection. 3. No conflict—it: No conflict—it is supplementary. 4. Claim your health plan first Insurance: travel insurance covers gaps like emergency rescue or accidental death. 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.