Is it reliable to buy accident insurance for travel?

Travel accident insurance expert-Travel accident insurance must choose [Ping An] Travel accident insurance

Travel accident insurance [Ping An] insurance mall direct sales, domestic travel accident insurance from 5 yuan, overseas travel accident insurance from 55 yuan! Safe travel accident insurance fully protects accidental injuries on the way to travel, such as happy travel and safe travel accident insurance!

1. What is the meaning of travel accident insurance?

Travel accident insurance, as its name implies, refers to accident insurance that comes from outside, is unexpected and is not caused by diseases during the travel activities arranged by travel agencies during the contract period. The insurance period generally refers to the beginning when the traveler sets foot on the means of transportation provided by the travel agency and the end of the trip when he leaves the means of transportation arranged by the travel agency. Travel accident insurance is a short-term insurance, which covers tourists, not travel agencies, but short-term compensatory insurance purchased by tourists voluntarily.

second, what is the coverage of travel accident insurance?

the general travel insurance covers four parts: (1) personal accident protection, (2) medical expenses protection, (3) personal property protection and (4) personal legal liability protection.

(1) Personal accident protection

A pre-agreed amount is given due to accidental death or permanent disability.

(II) Protection of medical expenses

Medical expenses caused by accidents during the trip. Perfect travel insurance should include "international medical support" service. In case of serious accidents in other places, the insured can enjoy the services of international medical teams; For example, emergency medical transportation or return to the place of origin. Most travel insurance only covers medical expenses caused by accidents, but a few policies can also cover medical expenses caused by illness during the trip.

(3) Personal property protection

To protect the economic losses caused by accidental damage or theft of property during the journey.

(4) Personal legal liability protection

The protection that the insured person is compensated for personal injury or property loss of a third party due to negligence during the journey. Because the terms of policies issued by different insurance companies may be different, the coverage may be different.

3. What does the travel accident insurance cover?

I bought a travel accident insurance policy. Do you think that all accidents during the trip will be paid? Actually, this is not the case. Travel accident insurance does not cover everything. Travel insurance includes travel agency liability insurance and travel accident insurance. Travel accident insurance can provide insurance compensation for the insured's death, disability or hospitalization due to accidental injury during travel.

However, many insured people have misunderstandings about travel accident insurance, and think that everything can be covered during travel. In fact, travel accident insurance only provides compensation for death, disability and accidental medical expenses caused by accidental injuries during travel, and insurance companies do not pay for losses caused by non-accidental accidents, such as heart disease recurrence. In addition, insurance companies may not always get full compensation after travel. It is understood that tourists who are killed and disabled in the first degree due to accidents can be paid in full, while other accidental disability levels are paid from 15% to 1% according to the proportion agreed in the policy.

There are many kinds of travel accident insurance, including domestic travel and overseas travel. Different travel days, different insurance coverage and different premiums; Protection points, accidental death protection, accidental medical insurance, so it depends on your situation. If you are traveling with a group, the tour group will help you buy this kind of insurance according to your actual situation. If you travel frequently, it is recommended to buy accident insurance for one year, which is more cost-effective.

fourth, case analysis: you should pay attention to the travel accident insurance

you should pay attention to the travel accident insurance! Travel accident insurance will cover some areas that will not be compensated. Because the vehicle driven by the customer has not been examined annually and is not covered by accident insurance, the insurance company will not pay for it. Let's take a look at the following cases:

On October 2, 21, Mr. Zhang participated in a self-driving tour from Sichuan to Lhasa organized by a travel agency and paid 7, yuan. After the company charged, he was insured for travel accident insurance. The company rented a Mitsubishi off-road vehicle from an automobile club in Sichuan. On October 21st, 21, three passengers took the bus. The car drove to the 6-meter section of 318 line in Batang, Ganzi Prefecture. There was no speed limit sign, and the speed was 5-6 yards. A stone suddenly appeared in front, and the driver pulled down the steering wheel in a hurry. Then it overturned. The accident caused Mr. Zhang to break his left arm. After the injury, he flew back to Hangzhou Hospital for treatment and spent more than 14, yuan on medical expenses. Mr. Zhang later learned that this Mitsubishi off-road vehicle had no operating qualification, no annual inspection and no insurance. Although the travel company insured him for travel accident insurance. However, the insurance company thought that Mr. Zhang had an accident when he was in go on road trip, which was different from the original passenger accident insurance, so he refused to pay. Mr. Zhang has repeatedly negotiated with the travel agency for compensation, but there is no result, so he has to sue the court and demand compensation for various losses totaling more than 46, yuan.

Insurance experts' comments: Travel accident insurance will cover some areas that will not be compensated. Unless otherwise agreed in the contract, the insurance company shall not be liable for the payment of insurance benefits in case of death, disability or medical expenses of the insured due to one of the following circumstances:

(1) the insured and beneficiary intentionally kill or injure the insured;

(2) The insured intentionally commits a crime or resists arrest, commits suicide or intentionally injures himself;

(3) The insured fights, gets drunk, takes, smokes or injects drugs;

(4) The insured is drunk driving, driving without a valid driving license, or driving a motor vehicle without a valid driving license;

(5) illegally taking a means of transport or taking a passenger transport that has not been registered and licensed by the relevant local government department;

(6) the insured aborts or gives birth;

(7) medical accidents caused by cosmetic surgery or other internal and surgical operations of the insured;

(8) The insured takes, smears or injects drugs without following the doctor's advice;

(9) The insured engages in high-risk sports such as diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunt performances, horse racing and car racing;

(1) During the period when the insured suffers from AIDS or is infected with HIV (HIV positive);

(11) War, military action, riot or armed rebellion;

(12) nuclear explosion, nuclear radiation or nuclear pollution;

(13) unable to provide travel certificates and related materials;

(14) Self-funded items and drugs stipulated by the administrative department of social medical insurance (including public expenses).

the vehicle driven by Mr. Zhang has not been examined annually, and it belongs to a vehicle without a valid driving license, so it does not belong to the claim scope of accident insurance. Travel accident insurance purchased by travel agencies should generally stipulate the travel items when traveling. If there is no self-driving item, it will not be settled. There are many kinds of accidental injuries in tourism, especially traffic accidents. Some are due to the driver's driving fault of the tourists' vehicles, and some are due to the driving of other vehicles. In addition, tourists themselves have special diseases or special constitutions, and there are not a few people who take part in dangerous activities and cause injury accidents.

For example, tourists with high myopia take part in bungee jumping, which leads to retinal detachment; people who can't swim play in the swimming pool, which leads to drowning; those who are 5 or 6 years old, however, take part in rafting, which leads to vertebral fracture. Therefore, it is not enough to buy short-term accident insurance only from travel agencies. It is still necessary to buy some business accident insurance, and increase the accident medical items to at least 2,.

five, insurance experts say: there are three points to pay attention to before taking accident insurance

going out to travel is an indispensable part of citizens' lives today. For travelers, it is very important to take out travel accident insurance to ensure the safety of the journey. When insuring accident insurance, there are some elements that need everyone's attention. Here is a detailed introduction for you.

1. High-risk sports are not included in accident insurance

It should be noted that some sports that people love in summer may not be accepted by all accident insurance. Such as rafting, rock climbing, surfing, diving, etc. Because these projects are highly dangerous and most people don't have professional skills, many insurance companies list them as exclusions in their contract terms, and only a few companies provide protection. In this case, you can choose not to participate in these projects, or you can do more homework when you apply for insurance and choose a product that is included in the scope of insurance.

2. Diseases in summer are as important as accidents

In summer, diseases and accidents caused by heatstroke also need to be prevented. However, heatstroke is not a "sudden accident" in people's imagination, but a disease in essence, which is caused by one's own physical quality and a reaction to the harsh environment. Therefore, if you only receive treatment after heatstroke, you need to rely on some medical insurance for compensation, and if an accident is caused by heatstroke, you can rely on accident insurance and accidental medical insurance for compensation. You can also seek compensation from work-related injury insurance for heatstroke during work.

Third, we need to pay attention to the upper limit of insurance amount

Finally, we would like to remind parents that they need to pay attention to the upper limit of insurance amount when insuring life-oriented insurance products such as accident insurance and life insurance for their children. It is understood that the maximum amount of children's insurance in Beijing, Shanghai, Guangzhou and Shenzhen is 1, yuan, and the maximum amount of children's insurance in other regions should not exceed 5, yuan.

parents don't need to be over-insured, and they don't need to spread insurance to multiple insurance companies to increase their children's insurance coverage. Because when applying for insurance, parents need to face the question of "whether to apply for insurance in other companies". If the answer is "Yes", the insured amount will naturally not exceed 1, yuan. If the choice is "No", it will be tantamount to violating the principle of utmost good faith and laying a hidden danger for future claims. What's more, although children are parents' hope for tomorrow, they are not the pillars of today, and the limited insurance resources are better used in the cutting edge.

VI. Four major insurance misunderstandings about investing in travel accident insurance should be avoided

Buying travel accident insurance can provide a powerful "protective umbrella" for your journey. When buying travel accident insurance, passengers should be careful to avoid buying inappropriate travel accident insurance because of misunderstanding. The following is a detailed explanation of the four major tourist misunderstandings for everyone to understand. During New Year's Day and the upcoming Spring Festival, some people will choose to travel. Insurance experts remind that tourists should take out travel accident insurance for themselves and their families while traveling abroad, but the following misunderstandings should be avoided when purchasing travel accident insurance.

Myth 1: Travel liability insurance can cover "accidents"

Insurance experts say that the travel agency only bears part of the responsibility when tourists have accidents during their travels, because travel liability insurance is an insurance that the travel agency must cover, and it only pays for the economic responsibility that the travel agency has to bear due to negligence or negligence, but the accidents that the tourists themselves have are not covered. Therefore, when traveling, you must buy a travel accident insurance for yourself and your family to increase your protection.

Myth 2: The higher the coverage of overseas travel accident insurance, the better

Considering the consumption level abroad, some tourists often choose high coverage insurance products when purchasing medical insurance, thinking that "high coverage is good". However, insurance experts say that when traveling to countries with high medical expenses, such as the United States, Singapore and Japan, the coverage of medical insurance should not be less than 2, yuan; When traveling to Thailand, Malaysia and other countries, if the trip is short, the coverage of medical insurance can be around 1, yuan.

Myth 3: The insurance period of travel accident insurance can be staggered from the travel time

"The insurance period of travel accident insurance should match the travel time." Insurance experts say that if the travel itinerary changes, tourists should adjust the coverage period of the selected insurance; In case of travel delay or cancellation, tourists should ask the airport or airlines and other departments for written proof of flight change and other relevant information so as to claim compensation from the insurance company in the future.

Myth 4: You can get full compensation after an accident

Insurance experts say that the insurance amount agreed in personal accident insurance is only the maximum insurance premium paid by the insurance company, not the actual payment amount. Except for aviation accidents, other personal accident insurances are paid in proportion. In addition, many travel accident insurances are "exempt" from high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping and surfing. Therefore, when choosing travel insurance, tourists should pay attention to whether there are restrictions on the payment of itemized liability in the travel insurance introduced by insurance companies.

As all travel agencies are required to take out travel agency liability insurance according to the relevant regulations of the Tourism Bureau, some tourists think that it is unnecessary to take out travel accident insurance when traveling with a group. This is a misunderstanding. "There may be various risks in travel, and the responsibility is not all in the travel agency. If tourists hold the wrong idea, some of them will not be guaranteed once losses occur." Others think that it is a kind of repetition and waste to buy aviation insurance after buying accident insurance for vehicles. Unless the terms and conditions of products purchased in the same company have special provisions, the insurance amounts of products usually purchased in different insurance companies can be superimposed on each other.

VII. Please buy travel accident insurance if you need protection during your journey

In recent years, natural disasters have occurred frequently, which has had a considerable impact on the tourism industry. Insurance experts remind citizens that buying a travel accident insurance for themselves before traveling can greatly reduce their losses. Here are some kinds of travel accident insurance for you, and what aspects are covered respectively. The disasters caused by major earthquakes in recent years have made many people pay attention to sudden accidents, and the losses caused by earthquakes have highlighted the importance of accident insurance. Giving yourself an accident insurance in time has become the knowledge of many people.

There are four main types of accident insurance. Although the name of accident insurance is simple, it can usually be subdivided into the following types according to the different coverage period and coverage scope:

Product 1: Aviation accident insurance

Most people who have flown have been exposed to aviation accident insurance, and every time they spend 2 yuan to buy a protection for their flight. In fact, in addition to aviation accident insurance that can be purchased at one time, now more "trapeze" people can choose to buy annual aviation accident insurance. That is, one-time insurance can cover accidental injuries caused by flying within one year.

product 2: vehicle accident insurance

as the name implies, vehicle accident insurance covers a wider scope than aviation accident insurance. Besides the accident risk when flying, buses, ships and so on are all covered. Traffic accident insurance has a one-year term, but it is mostly a short-term protection product that is effective for 7 to 15 days.

product 3: travel accident insurance

in addition to the common domestic travel accident insurance, there are also many accident insurance products specifically for overseas travel. The insurance period of travel accident insurance can range from one day to one month or even one year. The longer the insurance period, the higher the cost. Therefore, travel time should be considered when insurance is applied, just slightly longer than the travel time, in case the travel delay causes the insurance period to exceed. However, many travel insurance policies have an extension function, and you can apply for an extension once the itinerary changes.

product 4: comprehensive accident insurance

most of the accident insurance we usually mention refers to comprehensive accident insurance, which mostly includes accidental injury protection, accidental injury medical protection, accidental injury living allowance and so on. Insurance must first see the scope of protection: when consumers buy accident insurance, they must first see the scope of protection. For example, some consumers buy