What are the travel insurance clauses outside Thailand?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! At present, there are many overseas travel insurances for Thailand on the market, and the terms of different products are different, so you need to analyze them according to the actual products. Take Ping An Overseas Travel Insurance Southeast Asia Plan as an example, and its insurance clauses are as follows:

I. Insurance liability

(1) Death insurance liability

During the insurance period, if the insured suffers an accident while traveling abroad and dies within 180 days from the date of the accident, the insurer shall pay the death insurance money according to the accident insurance amount, and the insurance liability to the insured shall be terminated.

(2) Disability insurance liability

During the insurance period, if the insured suffers an accident while traveling abroad, and one of the disabilities listed in the Disability Assessment Standard for Personal Insurance (Industry Standard) (hereinafter referred to as the Disability Assessment Standard) attached to this insurance contract occurs within 180 days from the date of the accident, the insurer shall pay the disability insurance money by multiplying the compensation ratio listed in the table by the accidental injury insurance amount. /kloc-if the treatment is still not finished on 0/80, disability appraisal will be conducted according to the physical condition of that day, and disability insurance money will be paid accordingly.

Second, exempt from responsibility.

If the insured dies or is disabled due to the following reasons, the insurer shall not be liable for paying the insurance money:

(a) the intentional act of the applicant;

(2) The insured causes self-mutilation or suicide, unless the insured is a person without civil capacity at the time of suicide;

(3) Fighting, being attacked or being murdered due to the provocation or intentional behavior of the insured;

(4) Pregnancy, abortion, childbirth, illness, drug allergy, heatstroke and sudden death of the insured;

(5) The insured receives cosmetic surgery and other internal and surgical operations;

(six) the insured did not follow the doctor's advice and took, smeared or injected drugs without authorization;

(7) Nuclear explosion, nuclear radiation or nuclear pollution;

(8) terrorist attacks;

(9) The insured commits a crime or resists arrest;

(10) The insured participates in any professional sports activities or any sports with bonuses or rewards;

(1 1) The insured conducts horse racing, various vehicle performances, vehicle races and stunt performances;

(12) The insured conducts hang gliding and skydiving activities.

To insure yourself with suitable travel insurance outside Thailand, you need to insure yourself according to your actual needs. There are many overseas travel insurances in the world. You are welcome to buy it.