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【Direct conclusion】 Regarding "Must I buy insurance for a Henan group tour?", all our Henan group tours include basic travel accident insurance (100,000 RMB/person) covering accidental injury and medical during the trip.
◆ Coverage: Accidental death/disability (max 100K), accidental medical (max 10K), emergency transport/repatriation. Excludes: pre-existing conditions, high-risk sports (unless added), property loss.
◆ People: Under 70 can buy normally (ID + health declaration); ages 3+ infant plans; over 75 may need medical proof or extra premium. Report hotline is on the policy; we help verify.
◆ Claims: Report within 48h of incident → keep receipts (invoices/diagnosis/police) → we assist → usually paid in 15-30 working days. Upgrade (500K/1M) or special (mountain/water) +10-30 RMB/person.
◆ Independent travelers strongly advised to buy their own insurance (~5-10 RMB/day); we can recommend cost-effective products. Hotline: 13017648055
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