Characteristics of travel personal accident insurance

With the improvement of people's living standards, more and more people are traveling independently or in group tours. Traveling is a joyful thing, but it also comes with risks. In order to give themselves more protection, many consumers choose to purchase travel personal accident insurance. Travel personal accident insurance is a short-term insurance that can provide tourists with comprehensive protection. It mainly protects the risk of personal accidental injury that tourists may suffer during tourism activities. The insurance can be purchased by the tourist himself or by a travel agency or travel organizer on his behalf. This type of insurance has wider coverage, more comprehensive insurance responsibilities, and more considerate protection design.

Characteristics of travel personal accident insurance

Before going on a trip, there are five major types of insurance that are indispensable, and travel personal accident insurance is one of them, which is specialized insurance. Insurance designed to protect personal accidents while traveling. It includes protection of people during travel: insurance liability, liability exemption, insurance amount and premium, insurance period, obligations of the insurer, obligations of the policy holder and the insured, insurance application and payment, dispute settlement, legal application, etc. The characteristics of this kind of travel personal accident insurance are:

1. The underwriter must be the traveler’s personal accident risk risk.

2. The injury must be to the human body, which refers to the injury to the human body, rather than artificial limbs, eyes, teeth, etc. that are artificial devices to replace the functions of the human body. They are not part of the natural body of the human body and cannot be injured. As an insurance object of accident insurance.

3. Travel personal accidental injuries must be caused by accidents. Accidents are not only the direct cause of the injury, but also the basis for the insured or beneficiary to claim insurance benefits. The so-called "accident" refers to an external, violent and accidental accident. Only if the three conditions of "external", "violent" and "accidental" are met at the same time can it constitute an insured accident in this contract.

The above is an introduction to the characteristics of travel personal accident insurance. I hope it can provide you with reference value. In order to ensure your own safety during travel or to have protection in the event of an unfortunate accident, it is essential to purchase travel personal accident insurance before setting off for travel.

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Travel insurance is indispensable when traveling, especially now that the public security in various places is unstable. Stable, during a period of high incidence of accidents, there will inevitably be various uncertainties during travel, and the resulting accident risks are unpredictable. Therefore, we need a professional travel personal accident insurance to accompany us during our travels, so as to protect our safety. Risks arising during travel are passed on to the insurance company to the greatest extent possible. Check out more insurance companies, which one is the best? I just compiled the relevant content, I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

Travel personal accident insurance

As people travel more and more, everyone is no longer unfamiliar with travel personal accident insurance. It means that if the insured dies or becomes disabled due to an accident while on a business trip or traveling during the insurance period, or other accidents within the scope of coverage stipulated in the insurance contract, the insurance company will bear the corresponding insurance according to the responsibilities stipulated in the insurance contract. Liability.

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