What are the compensation procedures for travel accident insurance?

People buy accident insurance when traveling to prevent accidents from happening and to pass the crisis on to themselves. So, if the policyholder is in danger, what are the compensation procedures for travel accident insurance? What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at the latest list! Ranking of popular accident insurance among insurance companies across the country!

(1) Obtain valid certificate

1. Obtaining Expense Vouchers

When a tourist has an accident within the scope of insurance coverage during the validity period of the insurance, the insurance company will decide to pay compensation in foreign exchange or RMB based on the claim voucher provided by the travel agency. When using foreign currency to pay for fares, medical expenses, urgently needed supplies, etc., you must obtain a foreign exchange invoice. Which insurance company 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

2. Obtaining valid vouchers

In addition to obtaining vouchers for the expenses incurred during the accident handling process, travel agencies must also promptly obtain valid vouchers from the public security, medical, underwriting insurance companies or their branches (branches) where the accident occurred. , and the group organizer will handle the claim settlement together with the underwriting insurance company.

(2) Accident notification

After the accident occurs, the company should assist and notify the local branch (branch) and the local insurance company within 24 hours, and report to the local insurance company within three days. The organizing club submits a written report. If notification is delayed, the additional survey and inspection costs incurred by the underwriting insurance company will be deducted from the insurance money paid, and the deducted portion will be borne by the organizing agency, except for delays caused by force majeure factors.

(3) Accident verification

After receiving the report from the travel agency, the underwriting insurance company will conduct an investigation and verification. During the verification period, the travel agency should provide assistance and provide the insurance company with accident information. Report or certificate from the local government at the place where the accident occurred, the insured's "Death Certificate" issued by a public hospital at or above the county level (including the county level) or the "Death Certificate" from a medical examiner, and a "Death Certificate" issued by a public hospital at or above the county level (including the county level). Disability Certificate" and local hospital rescue treatment fee documents, etc.

(4) Application and payment of insurance benefits

1. Application for insurance benefits

(1) When the insured person dies, the beneficiary of the death insurance benefit shall serve as the applicant and fill in an application form for insurance compensation. With the help of the travel agency, the applicant shall submit the application form with the following certificates and Information to apply for insurance compensation from the underwriting insurance company:

1) Proof of the insured unit;

2) Household registration certificate and identity certificate of the beneficiary;

3) Insurance premium receipt;

4) Death certificate of the insured person issued by the public security department or a public hospital at or above the county level (including county level);

5) Death certificate issued by the public security department at the place where the accident occurred Proof of accident;

6) Proof of household registration cancellation of the insured;

7) Original voucher for death disposal or repatriation of remains.

(2) If the insured person is disabled, the insured person or his agent will serve as the applicant. After the insured person is determined to be disabled and the degree of disability, he will fill in the insurance compensation application form and submit it to the travel agency. With the help of the insurance company, apply for insurance compensation from the underwriting insurance company with the following certificates and information:

1) Proof of the insured unit;

2) Household registration certificate and identity certificate of the insured;< /p>

3) Insurance premium receipt;

4) "Disability degree appraisal certificate" issued by a medical department that provides medical treatment for disabled people or a medical department designated and recognized by the underwriting insurance company;< /p>

5) Accident certificate issued by the public security department of the place where the accident occurred;

6) If an agent is the applicant, a power of attorney, identity certificate and other relevant certificates should be provided.

When the insured needs medical treatment due to an accidental injury or sudden acute illness, the insured or his agent shall serve as the applicant. After the insured’s medical treatment is completed, he shall fill in an insurance compensation application form and submit it to the insured. With the help of the travel agency, apply for insurance compensation from the underwriting insurance company with the following certificates and information:

1) Certificate of the insured unit;

2) Household registration certificate and identity certificate of the insured person;

3) Insurance premium document;

4) Medical unit at or above the county level (including county level) or a medical unit designated and recognized by the underwriting insurance company with an inspection report Medical diagnosis, medical records and original vouchers for medical expenses;

5) Accident certificate issued by the public security department at the place where the accident occurred;

6) Original voucher for escort transportation expenses;

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7) If an agent is the applicant, he should provide a power of attorney, identity certificate and other relevant certificates.

Guest Tip: The above is the compensation procedure of travel insurance. Among them, the claim period for travel insurance is within 180 days from the date of the accident. The insured person can take the relevant information to the insurance company and ask for compensation.

Regarding the differences and claims between critical illness insurance, accident insurance, accident insurance and life insurance, I have just compiled relevant content. I hope it will be helpful to you: Detailed introduction to critical illness insurance, medical insurance, accident insurance and life insurance! Claims Guide