Why tourists should buy personal accident insurance

Tourists participating in group tours can purchase personal travel insurance according to their own circumstances. 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 agencies, scenic spots, etc., with their own life, body, property or related interests as the insurance subject during the trip. Including but not limited to aviation accident insurance, travel accident insurance, emergency rescue insurance, and special project accident insurance.

Among them, travel personal accident insurance refers to personal accident insurance for external, sudden, and non-disease-related personal accidents during travel activities arranged by the travel agency during the travel contract period. The insurance period generally begins when the tourist sets foot on the transportation provided by the travel agency and ends when the tourist leaves the transportation arranged by the travel agency at the end of the trip. Travel accident insurance is a kind of short-term insurance that covers tourists rather than travel agencies. It is a short-term compensatory insurance purchased voluntarily by tourists.

The compensation scope of travel personal accident insurance mainly includes compensation caused by personal injury and death due to acute illness, medical expenses for injuries and acute illness treatment, and expenses required for death processing or repatriation of remains.

According to the relevant provisions of the Insurance Law, personal accident insurance is in the nature of commercial insurance and is a type of personal insurance. Tourists should voluntarily choose to purchase travel accident insurance. Accidental injuries that occur during travel can be compensated. Both the policy holder and the insured are individual travelers. Regardless of whether the travel agency has liability for compensation, travelers can obtain compensation from the insurance company. Travel agencies have no legal obligation to purchase travel accident insurance for tourists. However, in order to protect the personal safety of tourists, travel agencies have the obligation to remind tourists to purchase personal travel insurance. That is, travel agencies should remind tourists participating in group tours to purchase personal accident insurance in accordance with regulations.

It should be noted that if a tourist suffers a personal accident during travel, if it is the responsibility of the travel agency, the tourist can still file a claim for compensation from the travel agency in accordance with the law after receiving compensation from the travel accident insurance. . Because accident insurance is purchased voluntarily by travelers themselves, it has nothing to do with the travel agency's responsibility. Of course, you can apply for repeated compensation only for personal injury compensation, which is usually disability compensation. Other losses such as various medical expenses, property compensation, etc. all have original documents, and claims can only be made with one original document.

Legal Links

Article 61 of the "Tourism Law" Travel agencies should remind tourists participating in group tours to take out personal accident insurance in accordance with regulations.