If I get injured at Longmen Grottoes, how does the tour insurance pay?

[Direct conclusion] If injured during the visit, see a doctor first and keep receipts; for covered accidents, file a claim with the insurer using medical records, invoices and an incident note, and we help connect. Key points to keep in mind: 1. The free policy limit is modest; your own higher policy pays more and broader. 2. Treatment: Go to a proper medical facility, emergency first; keep all records, invoices and itemized bills, they are the claim basis. 3. Report: Report to the insurer as soon as possible (usually within 48 hours); we provide trip and policy info to help. 4. Documents: Medical record, invoice, drug list and incident note are all required; we can help organize for smooth payment. 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.