Travel personal accident insurance compensation standards

The compensation scope of travel accident insurance includes compensation for personal injury and death due to acute illness, medical expenses for injuries and acute illness treatment, expenses for death processing or repatriation of remains, and loss of luggage and items carried by tourists. , compensation required for damage or theft, etc.

Travel personal accident insurance, as the name suggests, refers to the insurance for external, sudden, and non-disease accidents during the travel activities arranged by the travel agency during the contract period. The insurance period generally refers to the time when a tourist sets foot on the means of transportation provided by the travel agency and ends when the tourist leaves the means of transportation arranged by the travel agency at the end of the trip. Travel personal accident insurance is a short-term insurance that insures tourists rather than travel agencies. It is a short-term compensatory insurance purchased voluntarily by tourists.

The scope of compensation for travel accident insurance is:

1. Compensation caused by personal injury and death from acute illness;

2. Medical expenses for injuries and acute illness treatment ;

3. Expenses required for death treatment or repatriation of remains;

4. Compensation required for lost, damaged or stolen luggage carried by tourists;

5. Compensation caused by third party liability. According to the basic standard of travel accident insurance compensation amount, there are specific regulations for inbound tourism, outbound tourism and domestic tourism;

6. When travel agencies apply for insurance for domestic tourists traveling within China, each tourist The insurance amount shall not be less than RMB 100,000. When applying for travel accident insurance for foreigners traveling inbound and Chinese traveling abroad, the insurance amount for each tourist shall not be less than RMB 500,000.

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