What is the difference between accident insurance and travel insurance? Don't you have to buy extra insurance if you have accident insurance?

The improvement of economic development level not only improves people's material life, but also raises people's requirements for spiritual life. Many people will satisfy their spiritual needs by traveling. Then, if tourists who have already bought accident insurance, do they still need to buy travel insurance when they go out to play? What is the difference between travel insurance and accident insurance? Let us use Bian Xiao's works to explain it to you.

I. Introduction to Accident Insurance Accident insurance is also called personal accident insurance. The insurer who has purchased accident insurance will pay the insured a certain amount of compensation according to the compensation ratio agreed in the contract if he suffers personal disability or death due to accidental injury during the accident insurance contract period. The flexibility of accident insurance is generally low, and the general accident insurance and insurance period are relatively short. However, the premium of accident insurance is relatively low compared with other insurances. Moreover, accident insurance only pays the relevant compensation for personal injury, while artificial devices such as artificial limbs and dentures are made by the insured himself the day after tomorrow, and the insurance company does not guarantee them.

Second, the relevant introduction of travel insurance There are many kinds of travel insurance, and the classified policyholders need to choose the corresponding travel insurance varieties according to their actual needs. If you need to travel abroad, you need to buy travel rescue insurance. Insurance companies will provide free assistance to the insured in case of accidents or related legal disputes abroad. Travel accident insurance is often purchased when passengers buy air tickets, boat tickets and other means of transportation. It is not recommended to purchase such travel insurance. If the insured's upcoming travel activities are adventure and have certain risks, it is necessary to purchase personal accident insurance. Ensure the personal and property safety of the insured.

Third, tourists who have bought accident insurance still need to buy travel insurance. To sum up, there is a big difference between accident insurance and travel insurance. Many travel insurances do not contain accident insurance, so even if tourists buy relevant accident insurance, they still need to buy corresponding travel insurance to protect their personal and property safety.