What insurance benefits can you enjoy for a summer vacation?

Summer vacation is the happiest day for children, and many families plan to take advantage of annual leave to travel with their families. Of course, safety is the most important thing. This insurance edition will take stock of the "compulsory insurance" carried by six means of transportation, including airplanes, trains, ships, long-distance buses, taxis and subways. After understanding these insurance rights, you can calmly decide whether you need to buy traffic accident insurance or travel accident insurance, and how much to buy. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

The biggest advantage of these "compulsory insurances" is that you don't need to bother to buy them separately. Of course, the wool is on the sheep, but their premium is already included in the ticket price.

Aircraft:

Domestic 400,000, international 654.38+035,000 US dollars, first look at international routes. In 2005, the Civil Aviation Administration of China announced its accession to the Montreal Convention, which is a convention to unify some rules of international air transport at present. The Convention stipulates that the maximum compensation for casualties on international routes is 6,543.8+0.35 million US dollars (about 6,543.8+0 million yuan), and the compensation limit for flight delay is 5,000 US dollars. Baggage compensation is not like.

The compensation standard of domestic routes is much lower than that of international routes. What is being implemented now is the Provisions on the Limitation of Liability of Domestic Air Transport Carriers, which was implemented by the Civil Aviation Administration of China in March 2006, and the limitation of liability for passenger casualties has been raised to 400,000 yuan. In addition, the baggage compensation for domestic routes is RMB 0/00 per kilogram/kloc, and the limit for each passenger is RMB 3,000. For flight delays, the compensation is even less, and you can only pay a few hundred yuan if you meet the corresponding conditions.

Before 2006, our country had been implementing the State Council 1993, and the compensation limit for casualties was only 70,000 yuan. In the air crash in Baotou in 2004, China Eastern Airlines made compensation according to this order 132. In recent years, with the rising consumer price index, the amount claimed in Baotou case has been protested by the families of the victims. After that, the provisions of the Civil Aviation Administration of China finally replaced the law that has not changed for more than ten years, and the current compensation limit is nearly six times that at that time. For the differences and claims of critical illness insurance, accident insurance, accident insurance and life insurance, I just sorted out the relevant contents, hoping to help you: a detailed introduction of critical illness insurance, medical insurance, accident insurance and life insurance! Claim guide

Train:

Since September, the highest compensation1720,000 yuan is actually composed of two parts. The first part is the salary of railway transportation enterprises. According to the regulations of 1993, the maximum compensation for personal injury or death is 40,000 yuan, and each person will lose 800 yuan with his own luggage. Although the Ministry of Railways has also stipulated that "railway transport enterprises and passengers can agree in writing that the liability limit is higher than that stipulated in the preceding paragraph", most passengers do not have this kind of awareness and operation of "prior agreement", so the relevant statement is almost useless.

It should be noted that the above compensation is conditional. In case of personal injury or death caused by force majeure or the victim's own reasons, the railway transport enterprise will not be liable for compensation, including personal injury or death caused by illegally crossing grade crossing or pedestrian walkway, or walking, sitting or lying on the railway line.

The second part is the compulsory insurance of train tickets. Most people may not know that all train tickets have 2% compulsory insurance. For example, a train ticket of 1 100 yuan actually consists of a basic fare of 98.04 yuan and an insurance premium of 1.96 yuan; Similarly, the train ticket for 20 yuan consists of19.438+the basic fare for 0 yuan and an insurance premium of 0.39 yuan. Regardless of the train fare 100 yuan or 20 yuan, the maximum insured amount is 20,000 yuan, and the medical allowance does not exceed 20,000 yuan. The exclusion of liability stipulates that people who jump off a car without a ticket can't get compensation.

In this way, the maximum compensation that train passengers can get at present totals 60,800 yuan. The Regulations on Emergency Rescue, Investigation and Handling of Railway Traffic Accidents, which was just promulgated yesterday, raised the compensation limits for personal injury and luggage loss in the first part to10.5 million yuan and 2,000 yuan respectively. Therefore, after the regulations came into effect on September 1, the maximum compensation that train passengers can get is172,000 yuan.

Coach:

Careful citizens who have paid a total of 450,000 yuan for the two insurances will find that there will be such a line on the long-distance bus ticket "including passenger insurance, road and bridge fees, public funds and station fees". In other words, the tickets purchased by citizens include 2% passenger accident insurance. This kind of insurance was only valid at that time, and the coverage was very low, only 30,000-50,000 yuan.

Fortunately, most long-distance buses are also insured with carrier liability insurance. This kind of insurance is paid by the carrier (that is, the long-distance passenger transport company). The insurance period is generally one year, and the payment standard is relatively high. The insured and the beneficiary are both passengers, and once they are out of danger, the rights and interests of passengers are guaranteed.

As far as the Shanghai market is concerned, there are generally two kinds of inter-provincial bus carriers: Shanghai local companies and foreign companies, which are supervised by local government departments respectively, and the long-distance bus insurance rate of Shanghai company has reached 100%. Therefore, citizens who take inter-provincial shuttle buses can basically enjoy this kind of protection. The transferee's long-distance bus liability insurance needs to pay the premium ranging from 100 yuan to 1 10 yuan per seat every year, while the tourist bus is 95 yuan. Once out of danger, compensation will be paid according to the income level of Shanghai residents and the age of the victims, with a maximum insured amount of 400,000 yuan.

In this way, citizens who travel by long-distance bus have already taken out double insurance at the moment they buy tickets and get on the bus, with a total insurance amount as high as 450 thousand yuan. If you voluntarily purchase 1 expressway passenger accident insurance to 2 yuan, you will also add an additional amount ranging from 20,000 to 30,000 yuan.

Ship:

Cross-provincial tourism compulsory insurance coverage is 20 thousand. If you travel to Putuo Mountain by boat, the ticket actually contains compulsory "passenger accident insurance", and the premium is calculated at 5% of the fare, and the amount of each insurance is RMB 20,000. But this accidental injury insurance has five requirements: caused by external factors, sudden, accident, non-disease and physical injury.

If passengers need it, they can also buy accident insurance in 2 yuan voluntarily, with the insured amount of 30,000 yuan. Generally speaking, the sum of the two insurances is not very high, which is different from other modes of transportation.

However, if you cross the Huangpu River, the situation is different. The staff of Shanghai Ferry Company said yesterday that the ferry fare of a single 0.5 yuan does not include insurance, and the ferry office does not sell other insurance.

Taxi: 60,000 insurance plus company compensation.

If there is an accidental injury while taking a taxi, passengers can get compensation from two aspects. On the one hand, there are two laws that can protect passengers: one is the contract law and the other is the general principles of civil law; On the other hand, all major taxi companies are insured by insurance companies, and the fare paid by passengers includes a certain premium. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

The two laws correspond to the legal relationship of passenger transport contract and tort compensation respectively. If a passenger is accidentally injured in a taxi, he can claim compensation by virtue of these two legal relationships. For example, in 2003, a 22-year-old man in this city died after falling out of his car while taking a taxi. In 2004, the People's Court of Pudong New Area ruled that the taxi company compensated the victim's father and mother for 320,000 yuan.

In addition, the Taxi and Car Rental Association told reporters that all major taxi companies in Shanghai have insured passengers with the "passenger injury insurance" of insurance companies, and the insurance amount is generally 60,000 yuan, but it may be adjusted in the future. This insurance premium was originally drawn from the starting price paid by passengers. Now, each taxi pays the insurance company every month, ranging from 40 yuan to 50 yuan.

Subway: There are different opinions on whether to insure. In August, 2005, the Measures for the Administration of Urban Rail Transit Operation implemented by the Ministry of Construction stipulated that if passengers were killed or injured during the operation of urban rail transit, the urban rail transit operating unit should bear the corresponding liability for damages according to law, except that it can be proved that the casualties were caused intentionally or for its own health reasons.

According to the introduction of Shanghai insurance industry, Shanghai Metro Operation Co., Ltd. pays the premium to China Life Insurance every year, and carries out insurance in the form of "group accident insurance". No matter people buy tickets for 3 yuan or 5 yuan, they can get up to 40,000 yuan of accident insurance and 40,000 yuan of accident medical insurance compensation in case of an accident during the period from the time when the tickets enter the gate to the time when the tickets are inserted into the gate. How to define "accident" when making claims? Insurance companies need to see the certificates issued by hospitals, subways and public security departments before they can make judgments. Of course, according to the provisions of the Insurance Law, suicide does not fall within the scope of claims.

However, when the reporter called the Shanghai subway hotline, the staff said that the subway ticket did not contain any insurance, and if you were injured while riding the subway, you must immediately report to the subway management office. If it had not been filed at that time, the MTRC would not have accepted the claim. The staff also said that the amount of compensation can only be determined according to the specific circumstances, and there is no provision for any compensation limit at present.