What kind of insurance do tourists buy according to regulations?

According to the provisions of the Tourism Law, travel agencies should remind tourists who take part in group tours to take out insurance in personal accident insurance. For travel agencies, they should also provide evidence to prove that they have fulfilled their obligation to remind tourists to take out insurance in personal accident insurance. At the same time, travel agencies should also require tourists who take part in group tours to sign a notice of confirmation and reminder at the same time to avoid a series of disputes that may occur later.

The common protection of travel accident insurance includes accidental death, accidental disability and accidental medical treatment.

1. Accidental death protection: During the insurance period, if the insured suffers an accidental injury while traveling, and dies due to an accident from the date of the accident 180, the insurer will pay the death insurance premium according to the accidental injury insurance amount, and the insurance liability for the insured will 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.

2. Accidental Disability Protection: During the insurance period, if the insured suffers an accidental injury accident while traveling, and one of the disabilities listed in the Table of Disability Degree and Insurance Payment Proportion attached to the insurance contract is caused by the accident within 180 days from the date of the accident, the insurer will pay the disability insurance money according to the payment ratio listed in the table multiplied by the accidental injury insurance amount.

3. Accidental medical insurance: During the insurance period, if the insured suffers an accidental injury accident while traveling and is treated in a qualified hospital, the insurer will pay the medical insurance premium to the part of the insured whose actual expenditure exceeds the deductible within 180 days from the date of the accident according to the regulations of the local social medical insurance department.

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