I travel to Tibet on a fixed day. If you die unexpectedly, can you claim compensation from the insurance company? What insurance should I buy?

According to common sense, we all know that the safety of regular tour groups will be better guaranteed, and even accidents will be better handled. This is because the state stipulates that travel agencies should handle travel agency liability insurance for tourists when organizing tours. It is understood that when organizing group tours, travel agencies pay insurance premiums to insurance companies to purchase travel accident insurance on behalf of tourists in order to protect the interests of tourists. Once an accident happens to a tourist during the tour, the insured insurance company will pay the insurance premium to the tourist according to the contract. Does that mean you can get insurance compensation for any accident with the tour group? What if it's a solo tour? What does the travel agency liability insurance cover? It is understood that the scope of compensation for travel accident insurance handled by travel agencies includes the following compensation caused by tourists' accidents during travel: compensation for personal injury or death caused by acute diseases; Medical expenses for treating injuries and acute diseases; Expenses for handling death or repatriating remains; Compensation for lost, damaged or stolen luggage carried by tourists; Compensation caused by the third liability. Although no one wants accidents, buying insurance undoubtedly gives tourists more protection. According to Mr. Cheng, the insurer, the insurance period for domestic travel, outbound travel and travel accidents organized by travel agencies begins when tourists board the means of transportation arranged by the travel agency at the appointed time and ends when tourists leave the means of transportation arranged by the travel agency. When a tourist has an accident within the scope of insurance liability within the validity period of insurance, the travel agency shall promptly obtain valid certificates from the public security, medical and underwriting insurance companies or their branches and subsidiaries where the accident occurred, and the main travel agency shall handle claims with the underwriting insurance companies. Mr. Cheng reminded that if tourists terminate the travel itinerary arranged by the travel agency on their own, the insurance period will end when they terminate their travel itinerary. Tourists who travel by themselves after the termination of the agreed travel itinerary are not covered by the travel accident insurance. What if there is a traffic accident? Asking questions and traveling by car and boat are indispensable, not afraid of 10 thousand, just in case. The lawyer of Guangdong Green Law Firm once said that if the accident happened during the tour arranged by the tour group, it would be covered by the travel agency liability insurance. If an accident occurs during a self-help tour, generally speaking, the premium for compulsory travel accident insurance has been included in the fare, and the tourists have actually insured the tickets when purchasing them. Therefore, most air tickets, tickets and scenic spots tickets contain insurance, and these tickets also have the meaning of insurance certificates. In the event of an accident, they are the basis for claiming insurance compensation and paying insurance benefits, and should be properly preserved. What should I do if my self-funded project encounters an accident? Many tourists have paid for outbound travel projects when they take part in outings organized by travel agencies. What should I do if there is an accident at this time? It has been suggested that if the insured's accident is within the scope of insurance, then listen to the insurer's arrangement and keep all the documents in the process of treatment and travel for future claims. However, Zeng said that not all personal injuries during travel will be compensated by insurance companies and travel agencies. For this kind of accident, it depends on whether the tourists are at fault for the damage, or whether their own physical reasons have caused related losses. If negotiation fails, tourists can choose to bring a lawsuit to the court where the infringement occurred or where the infringer lived. Because infringement generally occurs in other places, it is suggested that tourists bring a lawsuit in the court where the registered travel agency is located, which can also save some costs. He also introduced that there was a case in Guangzhou (hotel) some time ago. An old man traveled to Egypt with a tour group and died suddenly when he participated in the Red Sea snorkeling project at his own expense. Finally, the travel agency was judged to bear 20% responsibility. Mr. Cheng suggested that tourists can voluntarily take out travel accident insurance to better protect their own interests. If you are an individual, it will become more urgent for individuals to buy travel insurance because of the lack of insurance protection for tour groups. However, he particularly reminded that basically all travel accident insurance is an exemption for some high-risk activities. For example, high-risk activities such as horse racing, rock climbing, diving, alpine skiing, bungee jumping and surfing are generally exempted unless otherwise specified. There have been some innovations in recent years, and some insurances will include high-risk activities. Therefore, Mr. Cheng reminded tourists that when choosing travel insurance, they should pay attention to whether the travel insurance introduced by insurance companies has restrictions on item-by-item liability payment. In order to avoid falling into some misunderstandings, it is necessary to be familiar with the relevant provisions of travel accident insurance. What if the accommodation is stolen? I believe that every tourist has stayed in a hotel, and some may even have had unpleasant property theft during their stay. Claim, but in the end, you may not even get a compensation from the hotel. It has been said that in case of theft, hotels should first provide qualified accommodation for guests, but in fact, there are problems in the proof of this problem. It is almost impossible for a guest to prove that what he left in his room was lost, unless there is a camera in the hotel, which takes pictures of other people's theft. In the end, it may take the results of the police investigation to make a clear decision. In this regard, he suggested that valuables should be carried or stored in a specific storage point of the hotel as much as possible (the list should be issued by the hotel). When carrying articles by yourself, check whether the doors and windows of the room are damaged. If yes, report and eliminate it in time, and be careful to sail for a long time. What if a person has an accident when traveling abroad? When you ask questions about traveling abroad, you will inevitably go to unfamiliar places, especially in language communication. If you encounter an accident at this time, how to get timely and effective assistance is a problem that tourists are very concerned about. Mr. Cheng suggested that in fact, domestic insurance companies generally cooperate with the international rescue center SOS to launch travel insurance with travel rescue function. In case of accidents, tourists who have purchased travel insurance should make good use of it. No matter where you are in danger at home or abroad, you can call for free assistance and provide timely and effective assistance in case of accidents.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.