What should I do if the insured dies during the trip?

What should I do if the insured dies during the trip?

Legal analysis:

If the insured dies in a travel accident, the beneficiary should call the customer service phone of the insurance company to report the case, provide your policy number, ID number and briefly explain the accident. The beneficiary can submit relevant information to the insurance company, and then wait for the insurance company to review, and after the review is passed, the claim can be obtained. The required information mainly includes:

1. The insured beneficiary should fill in the application for death insurance, and the beneficiary should sign it in person.

2. If the beneficiary of this accidental death insurance is more than two people, then two people need to sign it together. If the beneficiary is underage, it must be signed by the legal guardian. If this insurance has no beneficiary, it will be inherited by the legal heir.

3. It is also necessary to provide the insurance company with the accidental death insurance policy, the death insurance application form, the beneficiary's identification materials, the original proof of the death of the insured, and the original proof of cremation. If the insured dies of illness, it is also necessary to provide the hospital's death notice and some medical proof materials.

4. If it is an abnormal death, it is also necessary to provide a certificate of the cause of death, such as a traffic accident certificate, a work accident death certificate, or a certificate issued by the local police station. After these materials are fully prepared, they will be handed over to the insurance company, which will issue insurance compensation after detailed examination.

Legal basis: Article 21 of the Measures for the Administration of Travel Agency Liability Insurance stipulates that:

After receiving the claim for compensation for insurance money and relevant certificates and materials, the insurance company shall verify it in time; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurance company shall notify the travel agency and injured tourists, tour guides and tour leaders of the approved results; If it is an insurance liability, it shall fulfill the obligation of compensation insurance within 10 days after reaching an agreement with the travel agency.