What is the difference between my own Yinxu (Yin Ruins) travel insurance and the one bundled with the tour?

[Direct conclusion] The tour free or brokered one is a basic accident policy with limited limit and scope, mainly a floor; your own can pick high limit and add property, delay, acute illness and medical evacuation, broader and tailored. Key points to keep in mind: 1. The two stack without conflict. 2. Free: Included or brokered with the tour at low or zero cost, covering accidental death and basic medical, good as a floor. 3. Self-buy: Your own lets you pick limit and add property, delay, illness and evacuation, with scope you set and payout more ample. 4. Stack: The two do not conflict; free as base and self-buy as boost, each pays per its terms for max benefit. Note: Report the incident right away and keep every receipt and medical record. 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.