What does personal accident insurance for tourists include?

Personal accident insurance for tourists is a kind of short-term insurance, which covers tourists, not travel agencies, but short-term compensatory insurance purchased by tourists voluntarily. The insurance coverage of traveling to personal accident insurance is roughly divided into four parts:

1. Personal accident protection: personal accident insurance that gives travelers a pre-agreed amount due to accidental death or permanent disability.

2. Medical expenses guarantee medical expenses incurred due to accidents during travel. Perfect tourism in personal accident insurance should include "international medical support" service. The insured with personal accident insurance can enjoy the service of international medical team when there is a major accident in other places; For example, emergency medical transportation or return to the country of origin. Most personal accident insurance policies only cover medical expenses caused by accidents, but a few policies can also cover medical expenses caused by illness during the trip.

3. Personal property protection, which guarantees economic losses caused by accidental damage or theft of property during travel.

4. Personal legal liability protection. During the trip, the insured in personal accident insurance gets compensation for personal injury or property loss caused by negligence. In many cases of travel accident insurance claims, we can see that the coverage may be different because the policy terms issued by different insurance companies may be different.

In addition, because tourists traveling abroad are generally unfamiliar with the destination country, if language barriers are added, once an accident occurs, it is easy to have no recourse. In view of the above reasons, many insurance companies have cooperated with international rescue organizations to launch international emergency rescue insurance, which provides a series of comprehensive insurance protection for policyholders, including general assistance and accidental injuries. At present, only a few large insurance companies can provide this function, so special attention should be paid to such protection when insuring.

In addition, in the travel accident insurance, you must see clearly the contents of protection for participating in high-risk tourism projects. Usually tourists will think that the general personal accident insurance covers all accidents. It is necessary to remind tourists that the column of "exclusion liability" of insurance companies usually stipulates that "the company will not be responsible for paying insurance benefits if an insurance accident is caused by one or more of the following reasons", in which "the insured engages in high-risk sports such as diving, skydiving, bungee jumping, rock climbing, adventure, martial arts, wrestling, stunts, horse racing and racing". When purchasing travel insurance, tourists must pay attention to whether the activities they will participate in are within the scope of protection.

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