What are the main provisions of overseas travel insurance contracts for tourists?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! When signing overseas travel insurance contracts, tourists should carefully check the two clauses of insurance liability and exemption. Details are as follows:

I. Insurance liability

(1) Death insurance liability

During the insurance period, if the insured suffers an accident while traveling abroad and dies within 180 days from the date of the accident, the insurer shall pay the death insurance money according to the accident insurance amount, and the insurance liability to the insured shall be terminated.

If the insured suffers an accidental injury accident and his whereabouts are unknown from the date of the accident, and he is later declared dead by the people's court, the insurer shall pay death insurance money according to the amount of accidental injury insurance. However, if the insured returns after being declared dead, the beneficiary of the insurance money shall return the death insurance money paid by the insurer within 30 days from the date when he knew or should have known that the insured was still alive.

(2) Disability insurance liability

During the insurance period, if the insured suffers an accident while traveling abroad, and one of the disabilities listed in the Disability Assessment Standard for Personal Insurance (Industry Standard) (hereinafter referred to as the Disability Assessment Standard) attached to this insurance contract occurs within 180 days from the date of the accident, the insurer shall pay the disability insurance money by multiplying the compensation ratio listed in the table by the accidental injury insurance amount. /kloc-if the treatment is still not finished on 0/80, disability appraisal will be conducted according to the physical condition of that day, and disability insurance money will be paid accordingly.

Second, exempt from responsibility.

Under normal circumstances, the insurer shall not be liable for the payment of insurance benefits if the insured dies or is disabled due to the following reasons:

(a) the intentional act of the applicant;

(2) The insured causes self-mutilation or suicide, unless the insured is a person without civil capacity at the time of suicide;

(3) Fighting, being attacked or being murdered due to the provocation or intentional behavior of the insured;

(4) Pregnancy, abortion, childbirth, illness, drug allergy, heatstroke and sudden death of the insured;

(5) The insured receives cosmetic surgery and other internal and surgical operations;

(six) the insured did not follow the doctor's advice and took, smeared or injected drugs without authorization;

(7) Nuclear explosion, nuclear radiation or nuclear pollution;

(8) terrorist attacks;

(9) The insured commits a crime or resists arrest.