What are the travel insurance claim items?

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. So what is the scope of compensation for travel accident insurance? By purchasing travel insurance, you can not only provide financial compensation for emergencies such as forgotten luggage and flight delays, but also receive insurance compensation in the event of personal accidents and external emergencies. , relieve the financial pressure that you and your surrounding family members will face, and reduce the impact of accidents on normal life.

1. What is the scope of compensation for travel accident insurance?

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The insurance types 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.

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In addition, the compensation scope of travel accident insurance also includes a special accidental injury, which includes four situations: first, accidental injuries suffered by the insured due to war; The insured suffers accidental injuries while engaging in strenuous sports activities or competitions such as mountaineering, skydiving, skiing, racing, boxing, river rafting, wrestling, etc.; the third is accidental injuries caused by nuclear radiation; the fourth is accidental injuries caused by medical accidents ( Such as misdiagnosis by doctors, wrong medicines sent by pharmacists, 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.

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It should be noted that the required claim materials submitted by customers are also different depending on the insurance liability items claimed. 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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2. Four points to note when purchasing travel insurance

First of all, travel liability insurance does not cover tourists’ “accidents”. Some tourists traveling in a group believe that as long as the travel agency has purchased travel liability insurance, they can claim compensation from the insurance company no matter what problems occur. In fact, this is not the case. When traveling, you should buy travel insurance and accident insurance for yourself and your family to increase your protection.

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Secondly, the higher the insurance coverage when purchasing travel insurance overseas, the better. When traveling to countries with high medical expenses such as the United States, Singapore, and Japan, the insured amount of medical insurance should not be less than 200,000 yuan. When traveling to countries such as Thailand and Malaysia, if the trip is short, the insured amount of medical insurance should be no less than 100,000 yuan. It’s about 10,000 yuan.

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Third, the insurance period should match the travel time. If the travel itinerary changes, passengers should adjust the coverage period of the selected insurance; if journey delays, cancellations, etc. occur, passengers should obtain written proof of flight changes and other relevant information from the airport or airline departments so that they can submit to the insurance in the future. Company claims.

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Finally, you may not be able to receive full compensation after an accident. In addition, many travel accident insurance policies are “exempt” from high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping, and surfing. Therefore, when choosing travel insurance, tourists should pay attention to whether the travel insurance introduced by the insurance company has any restrictions on the compensation of sub-liabilities.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance