What does compulsory insurance include?

Compulsory insurance includes:

1. Compulsory motor vehicle traffic accident liability insurance.

2. Travel agency liability insurance.

3. Travel accident insurance.

4. Construction workers’ accident insurance.

5. Accidental injury insurance for coal workers.

Compulsory motor vehicle traffic accident liability insurance means that the insurance company is responsible for the personal injury, death and property damage caused by the road traffic accident of the insured motor vehicle and the victims other than the insured. Compulsory liability insurance that provides compensation within limits.

Travel agency liability insurance is a type of insurance that covers the legal liability of travel agencies for accidents caused by negligence and negligence in the process of organizing travel activities. The insured of this insurance is the travel agency. After purchasing insurance, if a liability accident occurs, the insurance company will compensate the innocent injured passengers as soon as possible.

Travel accident insurance refers to the death or disability of the insured due to an accident during the business trip or tourism during the insurance period, or other protection items within the scope of coverage, which the insurer should bear Insurance liability.

Construction engineering accidental injury insurance refers to a type of insurance purchased by those who engage in relevant professional work at construction sites in accordance with national needs and requirements. It is a type of insurance that workers at construction sites enjoy when they suffer accidental injuries. kind of insurance benefits.

Coal workers’ accidental injury insurance is an insurance that must be purchased compulsorily under the Coal Law.

Legal Basis

Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability

Article 2 Machinery operating on roads within the territory of the People’s Republic of China The owner or manager of a motor vehicle shall purchase compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

"Travel Agency Regulations"

Article 38 Travel agencies shall insure travel agency liability insurance. The specific plan for travel agency liability insurance shall be formulated separately by the tourism administrative department of the State Council in conjunction with the insurance regulatory agency of the State Council.

"General Provisions of the Travel Insurance Law"

Item 2, Article 1: Travel agencies organizing group tours must apply for travel accident insurance for tourists.

"Construction Law of the People's Republic of China"

Article 48: Construction enterprises shall pay work-related injury insurance premiums for employees to participate in work-related injury insurance in accordance with the law. Encourage enterprises to apply for accident injury insurance and pay insurance premiums for employees engaged in hazardous operations.

"Coal Law of the People's Republic of China"

Article 37 Coal mining enterprises shall pay work-related injury insurance premiums for employees to participate in work-related injury insurance in accordance with the law. Encourage enterprises to apply for accident injury insurance and pay insurance premiums for underground workers.