What are the main terms of the travel insurance contract?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Xiao Nuo answer:

Hello!

Specifically, travel insurance contracts generally include medical expenses, personal accidents, emergency medical transportation, repatriation expenses, personal luggage, luggage delay, trip cancellation, trip delay, trip shortening, personal money and personal responsibility.

1. Medical expenses. Medical expenses paid by the insured due to illness or accidental injury during travel;

2. Personal accident. If the insured is disabled or dies due to serious accidental injury, the insured or beneficiary can get compensation according to the compensation amount agreed in the insurance contract;

3. Emergency medical transportation expenses. The insured is provided with emergency medical transportation due to accident or serious illness;

4. Repatriation expenses of the remains. If the insured dies unfortunately, the insurance company will provide the cost of transporting the body back to the original place of residence;

5. Personal luggage. If the insured's personal luggage is stolen, accidentally lost or damaged during the journey, he will get a certain amount of compensation;

6. Luggage delay. If the insured's luggage is not delivered after the insured arrives at the destination 12 hours, he can get compensation every 12 hours;

7. Cancel the trip. If the insured is unable to travel due to serious illness or accident during the period from the effective date of the policy to the departure date, part (or all) of the losses such as travel expenses deposits and air tickets shall be compensated by the insurance company;

8. Travel delay. If the insured causes traffic delay due to bad weather, mechanical failure and other reasons, the insured can get corresponding compensation according to the time;

9. shorten the trip. If the insured needs to end the journey ahead of schedule due to accident, serious illness or death, the insured can claim the paid or unavailable expenses from the insurance company;

10. Personal money and documents. Coverage includes monetary losses (cash, local currency, traveler's checks) and losses caused by lost passports;

1 1. Personal responsibility. If the insured bears legal liability for personal negligence causing physical injury or property loss to others, the insurance company may compensate.