How to claim for accidental injury in travel?

Abstract: With the increase of residents' income, residents will be more and more willing to travel abroad, and accidents may occur if they are out of luck. Generally, you will buy travel insurance when you travel. At this time, you can apply for compensation. So how do you claim for accidental injuries in travel? Let's take a look. How to claim for accidental injuries in travel

If you have accidental injuries caused by travel, you can make the following claims to travel agencies and insurance companies:

1. If tourists suffer personal injuries, the expenses incurred for medical treatment and the income reduced due to missed work include medical expenses, lost time, nursing expenses, transportation expenses, accommodation expenses, hospital meals and necessary nutrition expenses.

2. For tourists who are disabled due to injury, the necessary expenses incurred for increasing their daily needs and income loss caused by loss of working ability include disability compensation, disability assistive devices, living expenses of dependents, and necessary rehabilitation expenses, nursing expenses and follow-up treatment expenses actually incurred due to rehabilitation nursing and continuing treatment.

3. In case of death, the passenger shall also pay compensation for funeral expenses, living expenses of dependents, compensation for death, and other reasonable expenses such as transportation expenses, accommodation expenses and loss of lost time paid by the relatives of the victim for funeral affairs.

Can I apply for medical insurance for travel injuries?

Travel injuries can be reimbursed by medical insurance. Tourists can go to the outpatient clinic for reimbursement according to their actual situation.

How to pay for travel accident insurance

Travel accident insurance is to compensate for personal injury caused during travel, and the insurance period ends from the moment the tourists go out with the travel agency to the moment they leave the travel agency for home. Therefore, as long as there is evidence to prove that the injury was caused by an accident during the trip, you can apply for compensation from the company. If it is a collective accident insurance purchased by a travel agency, you can entrust the travel agency to negotiate with the insurance company.

when the insured encounters an accident within the scope of insurance liability, please call the customer service phone of the insurance company to report it, provide your policy number, ID number and briefly explain the accident.

after the report is completed, timely treatment is required. Please note that the general domestic travel medical insurance only pays according to the scope of social security drugs, so if you want to use imported drugs, you can only pay by yourself. In addition, if there is a medical advance function, it is necessary to ask the insurance company to advance the treatment expenses in time.

after the treatment, collect the expense list and apply for compensation from the insurance company.