How to buy accident insurance for hotel guests

There are two situations when buying accident insurance for hotel guests:

The first one: the hotel company purchases comprehensive liability insurance for the hotel industry, covering the personal lives of customers and employees. and property are protected.

The second type: short-term accident insurance can be purchased for customers, which is generally provided by large insurance companies. The specific coverage range can be selected according to the actual situation.

Purchase method:

Nowadays, many insurances can be purchased online. You can open the official website of the insurance company and call the insurance company directly. You can choose to purchase online or directly call the insurance company. Specialized personnel will come to your door to handle insurance business for you.

Hotel comprehensive liability insurance:

Hotel comprehensive liability insurance is a type of public liability insurance. Covers the insured's legal liability for loss of non-valuable items and personal injury caused by accidents at the insured's business premises.

It also covers the guest's poisoning and death caused by unclean food provided by the insured, the guest's personal injury and property damage caused by an accident when the insured's own vehicle is transporting the guest, and the guest's entrustment to the insured. Accidental loss of vehicles in the parking lot of the insurer's business premises, etc.

Short-term accident insurance:

Short-term accident insurance refers to accident insurance at a certain moment and within a short period of time. Insurance that pays insurance benefits as a condition for death, disability, medical expenses or temporary loss of working ability caused by accidental injuries. For example, accident insurance that occurs during the process of taking a train, airplane, car, ship, etc. is called short-term accident insurance.

Notes on purchasing short-term accident insurance:

1. Occupational requirements: There are basically no age restrictions for short-term accident insurance, but there are requirements for occupation, and price comparisons are based on certain risk factors. For jobs with high insurance premiums, premiums may be increased or even coverage may be denied.

2. When purchasing short-term accident insurance, the insurance amount should be set at 5-10 times your annual income. There is no need to pursue an excessively high insurance amount. It is generally recommended to buy the consumer type, which is cost-effective.

3. Generally, we all know that insurance has a hesitation period, but it is for long-term life insurance and medical insurance. There is no hesitation period or waiting period for short-term accident insurance. Therefore, you must be clear when purchasing. Even if some policies have additional hesitation periods, corresponding fees will need to be deducted when surrendering the policy.