What is travel accident insurance?

Travel accident insurance belongs to the category of specific accidental injury insurance in accident insurance. Life insurance is based on the death or disability of the insured due to accidental injury during business trip or travel, or other items within the scope of protection.

If you don't know how to configure insurance, you can read this article "How to buy insurance? These routines must be avoided?

The accident composition here must meet the following conditions:

1. Sudden, that is, the cause of the accident is directly related to the result of the injury, which causes the injury in an instant and it is too late to prevent it.

2. Accident, that is, the accidental and unintentional accident of the insured.

3. Accidents caused by external reasons, that is, accidents caused by external reasons of the insured's body.

The difference between travel accident insurance and ordinary accident insurance

Compared with accident insurance, travel accident insurance is a more targeted travel insurance.

Although there is a lot of overlap between the two, ordinary accident insurance is usually simpler.

Ordinary accident insurance is the longest 1 year, and the shortest is a few days.

Travel accident insurance is mostly time-sensitive and generally corresponds to travel time.

In addition, ordinary accident insurance also covers death, disability, accidental injury medical treatment, accidental hospitalization allowance and so on.

Travel accident insurance also adds protection for emergency medical transportation, repatriation expenses, personal luggage, trip cancellation, trip delay, trip shortening, personal money and documents, and personal responsibility.

Dad's summary

Travel accident insurance is actually very easy to understand. We know that we can only apply for insurance claims if there is an accident on the way.

So dad suggested that everyone must buy an insurance for themselves when traveling.