Travel safety personal accident insurance

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Visitors who participate in group tours can apply for personal travel insurance according to their own conditions. Personal travel insurance insured by tourists refers to short-term insurance purchased by tourists themselves or through insurance agencies such as travel agencies, air ticket agents and scenic spots, with their own life, body, property or related interests as the subject matter of insurance, including but not limited to aviation accident insurance, travel accident insurance, emergency rescue insurance and special project accident insurance.

Among them, tourist personal accident insurance refers to the personal accident insurance caused by exotic, unexpected and non-disease reasons in the travel activities arranged by the travel agency during the travel contract period. Generally speaking, the insurance period begins when tourists set foot on the means of transportation provided by the travel agency and ends when they leave the means of transportation arranged by the travel agency. Travel accident insurance is a kind of short-term insurance, which covers tourists, not travel agencies, but short-term compensatory insurance purchased by tourists voluntarily.

Tourist personal accident insurance's compensation scope mainly includes personal injury compensation, acute death compensation, medical expenses for treating injuries and acute diseases, death treatment or repatriation expenses.

According to the relevant provisions of the insurance law, personal accident insurance belongs to the nature of commercial insurance and is a kind of life insurance. Tourists should voluntarily choose to buy travel accident insurance, and they can get compensation for accidents during the tour. Both the applicant and the insured are individual travelers, and whether the travel agency is liable for compensation or not, passengers can get compensation from the insurance company. Travel agencies have no legal obligation to buy travel accident insurance for tourists. However, in order to protect the personal safety of tourists, travel agencies have the obligation to remind tourists to buy personal travel insurance, that is, travel agencies should remind tourists who participate in group tours to take out insurance in personal accident insurance according to regulations.

It should be noted that tourists who suffer personal accidents during their travels, if it is the responsibility of the travel agency, can still claim compensation from the travel agency according to law after obtaining compensation for travel accident insurance. Because accident insurance is voluntarily insured by passengers themselves, it has nothing to do with the responsibility of travel agencies. Of course, only personal injury can apply for repeated compensation, usually disability compensation. Other losses, such as various medical expenses, property compensation, etc., have original documents, and only one original document can be used to make claims.

Legal link

"Tourism Law" Article 61 A travel agency shall prompt tourists who take part in group tours to handle personal accident insurance in accordance with regulations.