Do travel agencies have to help tourists buy travel accident insurance?

Travel agencies are only obliged to remind tourists to take out personal accident insurance, but have no obligation to take out travel accident insurance for tourists. Because Article 61 of the Tourism Law only stipulates that travel agencies should remind tourists participating in group tours to take out personal accident insurance in accordance with regulations. Obviously, travel agencies can neither force tourists to buy travel accident insurance, nor are they obliged to buy accident insurance for tourists.

Personal accident insurance, also known as accident insurance, also known as personal accident insurance. It means that the policy holder pays a certain amount of premium to the insurance company. When the insured suffers an accidental injury during the insurance period and the death or disability is caused as a direct cause, the insurance company shall pay the insured or the beneficiary according to the insurance contract. A type of insurance in which a person pays a certain amount of insurance premium. It is short-term, flexible and has low premiums. Accidental injury insurance protection items include death benefits, disability benefits, medical benefits and suspension benefits. It should be noted that the accidental injuries referred to here must be injuries to the human body. Artificial devices such as prostheses, eyes, and teeth that replace the functions of the human body are not part of the natural body of the human body and cannot be covered by insurance. If the insured suffers an unintentional, external or sudden accident during the validity period of the insurance, resulting in physical injury and disability or death, the insurance company will pay the insurance money in accordance with the provisions of the insurance contract.

Accidental injuries must meet the following requirements: caused by external factors, which refers to accidents caused by external factors of the insured's body, such as car accidents, attacks by gangsters, drowning, food poisoning, etc. Sudden refers to an accident caused in an instant without a long process, such as falling into water, electric shock, falling, etc. Occupational diseases are caused by injuries and are foreseeable and preventable, so they are not accidents. Accidents refer to accidents that were not anticipated and unintentional by the insured, such as plane crashes. There are also some accidents that, although they can be foreseen or avoided, cannot be avoided due to irresistibility or performance of duties, they should also be included in the scope of "accidents" , such as being forced to jump into the sea to escape when a ship caught fire, or being injured in a brave fight with gangsters. For non-diseases, injuries caused by diseases are not unexpected by the person in advance, but they are the result of the human body itself and are not accidents. Such as cerebral hemorrhage and unconsciousness. If the body is injured, the object of the accidental injury must be the part of the insured's body, and the fact of the injury is established. For example, if there is an electric shock but the body is not injured, the fact of the injury is not established.