The difference between travel personal accident insurance and liability insurance

First of all, the insurance liability is different

Travel agency liability insurance is an insurance that the state requires travel agencies to purchase, while accident insurance is an insurance purchased by individuals. As long as the insured has an accident specified in the contract, , the insurance company will compensate according to the requirements.

Different policy holders

The policy holder of travel liability insurance is the travel agency, and the insurance premium is paid by the travel agency, while the policy holder of accident insurance is the consumer himself, who pays the premium himself. .

The insured is also different

If an accident stipulated in the contract occurs after purchasing personal accident insurance, the insurance company will directly pay the compensation to the traveler himself, which is equivalent to the traveler enjoying "accident insurance" The right to claim insurance benefits is different from travel agency liability insurance. If an accident occurs, the travel agency must fulfill its liability for compensation to tourists, and the travel agency can obtain the insurance amount from the insurance company.

Travel agency liability insurance has certain limitations. If you want to travel, it is recommended that individuals purchase another travel accident insurance.

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