Insurance claims for travel fever

Travel accident insurance includes traffic accident insurance, personal accident insurance and aviation accident insurance, which are distinguished according to the insurance subject or basis of body, accident and air travel respectively.

With the improvement of people's living standards, more and more people choose to travel during holidays. Therefore it is very important to purchase a suitable travel accident insurance. Travel accident insurance includes traffic accident insurance, personal accident insurance and aviation accident insurance, which are distinguished according to the insurance subject or basis of body, accident and air travel respectively.

So what is the scope of travel accident insurance claims? The scope of travel accident insurance claims mainly includes compensation for personal injury or death caused by sudden acute illness of the insured, medical expenses for treatment, death handling expenses, compensation for lost or stolen luggage, compensation for third-party liability, etc. The specific scope of compensation also requires the insured and the insurer to agree on the compensation items when signing the insurance purchase terms, and make claims according to the contract.

1. The types of insurance involved in holiday travel mainly include personal accident insurance, traffic safety accident insurance and travel accident insurance. Generally speaking, losses incurred during travel are usually covered by travel accident insurance. General insurance policies only cover generally insurable accidental injuries. High-risk sports that young people like are not covered by travel accident insurance. If you want to be covered, you can get special coverage from the insurance company. The so-called specially insured accidental injuries refer to accidental injuries that are not insurable in terms of insurance principles, but are generally not covered by the insurance company. They can only be insured after a special agreement between the policyholder and the insurer, and sometimes additional insurance premiums are charged.

2. In addition, the compensation scope of travel accident insurance also includes special accidental injury, which includes four situations: first, accidental injuries suffered by the insured due to war; second, accidental injuries suffered by the insured while engaged in Accidental injuries suffered during strenuous sports activities or competitions such as mountain climbing, skydiving, skiing, racing, boxing, river rafting, wrestling, etc.; third, accidental injuries caused by nuclear radiation; fourth, accidental injuries caused by medical accidents (such as misdiagnosis by doctors, misdiagnosis by pharmacists, etc. Distribution of wrong medicines, injuries caused during examinations, wrong parts of surgery, etc.). Insurance experts remind consumers that if they face any of the above risks when traveling, they can consider special insurance.

3. It should be noted that according to the different insurance liability items claimed, the required claim materials submitted by the customer are also different. Anbang insurance experts remind consumers that when submitting applications for insurance benefits, consumers should attach a description of the accident, including the cause, time, location, process, etc. of the accident. If it is handled by the traffic police and other departments, relevant processing information should be provided; If the insured's occupational classification changes during the coverage period, the insurance company should be notified in time, otherwise the insurance company may refuse to indemnify or reduce the amount of compensation; if the insured's intentional behavior, criminal behavior, drunk driving, etc. when an accident occurs, liability is excluded , according to the insurance contract, the insurance company is generally not responsible for compensation.

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