7.8 National Publicity Day for Insurance: Are travel insurance and accident insurance really the same?

When traveling, many people don't understand why they should buy travel insurance when they have already bought accident insurance. Are they different? Is it really necessary to buy accident insurance for travel insurance? What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

1. What is travel insurance?

Travel insurance, as its name implies, refers to the insurance that guarantees the personal safety of the insured during the travel. Since it is to protect personal safety, travel insurance can be classified as accident insurance, which is a kind of short-term accident insurance. However, travel insurance is very different from traditional accident insurance, which contains some protection contents that accident insurance does not have.

The coverage of travel insurance includes the following items: emergency rescue, accidental injury, accommodation risk and medical expenses. Among them, accidental injury is an indispensable guarantee for accident insurance.

Second, what is accident insurance?

Accident insurance is believed to be familiar to everyone. It is a kind of life insurance that pays insurance money on the condition that the insured suffers death and disability due to accidental injury. The coverage of accident insurance includes accidental death, accidental disability and accidental medical accident. Accident insurance payment must also meet unexpected conditions, external and unintentional.

Third, the difference between travel insurance and accident insurance

Because travel insurance is a kind of accident insurance, there are some similarities between them, that is, the judgment of accidents has some overlap in the scope of protection.

Travel insurance and accident insurance have both similarities and differences. The differences include the following:

1, security content. Judging from the coverage content, the coverage of travel insurance is wider than accident insurance. For example, some rare extreme sports in travel are not guaranteed in accident insurance, but travel insurance can be guaranteed.

2. Scope of protection. Accident insurance purchased in China generally does not cover overseas accidents. If you want to travel abroad for protection, you still need to buy overseas travel insurance separately.

3. Guarantee responsibility. Accident insurance covers accidental death, accidental disability and accidental medical expenses, while travel insurance covers emergency rescue, accidental injury, accommodation risk and medical expenses.

So there is a difference between travel insurance and accident insurance. Accident insurance tends to protect personal accidents, and travel accident insurance is a kind of travel insurance with strong pertinence. Remember to configure an exclusive travel insurance when traveling abroad!