How to pay travel insurance?

With the vigorous development of tourism, the number of people traveling abroad is increasing year by year. For the sake of safety, many people insure themselves against travel accidents before going out. Then, if there is an accident on the way, how to find an insurance company to settle the claim? Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Professionals remind that the insured should report the case to the insurance company in time, and if it is inconvenient to move, they can entrust others to do it for them.

Because the state stipulates that regular travel agencies must take out travel agency liability insurance, tourists can enjoy the rights and interests of this insurance once they participate in the activities organized by travel agencies. However, it should be noted that the insured and beneficiary of this insurance are travel agencies rather than tourists. Therefore, in the event of accidents and personal and property losses during travel, tourists should claim compensation from travel agencies rather than insurance companies.

If a tourist buys extra travel accident insurance for himself through a travel agency, then the tourist himself is the insured and the beneficiary, and the travel agency only handles the insurance formalities as an insurance agent. After the accident, tourists can claim compensation from the insurance company through the travel agency, or they can skip the travel agency and directly negotiate with the insurance company for compensation.

Nowadays, short-term accident insurance is very expensive to buy, and many tourists buy insurance themselves through agents or telephones. In this case, once an accident or illness occurs in other places, the insured should receive treatment in the local public hospital at or above the county level according to the requirements of the insurance clauses. At the same time, the insured shall report the case to the insurance company within the prescribed time limit, either through a salesman or by directly calling the customer service phone of the insurance company or sending a fax. If the time limit is exceeded, the insured shall bear the exploration and inspection expenses of the insurance company caused by the delay.

Bao Ge tip: I would like to remind consumers that if they need to be transferred during treatment, they must issue a transfer certificate and inform the insurance company in time. At the end of the treatment, the insured can go to the insurance company to handle the claim with materials such as hospitalization medical receipts. If the insured is inconvenient to move, he may entrust others to handle it on his behalf.