What insurance does the travel contract include?

There are many kinds of travel insurance. According to the coverage, accident insurance can be divided into traffic accident insurance, travel accident insurance and comprehensive accident insurance. 1. Vehicle accident insurance: During the insurance period, if the insured dies or becomes disabled due to an accident while traveling as a passenger on a civil aviation flight or a commercially operated train, ship or car, the insurer shall pay the insurance money according to the following agreement, and the sum of death insurance money and disability insurance money shall not exceed the insurance amount of each corresponding item. 2. Travel to personal accident insurance: refers to the insurance for accidental injuries caused by foreign, unexpected and non-disease reasons during the travel activities arranged by the travel agency during the contract period. The insurance period generally refers to the period when tourists set foot on the means of transportation provided by the travel agency and leave the means of transportation arranged by the travel agency after the trip. Travel accident insurance is a short-term insurance, which covers tourists, not travel agencies. It is a short-term compensatory insurance purchased by tourists voluntarily. 3. Comprehensive accident insurance covers the legal liability of travel agencies for accidents caused by negligence or negligence in the process of organizing tourism activities. The insured of this insurance is a travel agency. After insurance, in the event of a liability accident, the insurance company will compensate the innocent injured passengers at the first time. Travel agency liability insurance has a strong social welfare.

legal ground

Article 56 of the Tourism Law The state shall, according to the risk degree of tourism activities, implement a liability insurance system for operators such as travel agencies, accommodation, tourism transportation and high-risk tourism projects as stipulated in Article 47 of this Law. Sixty-first travel agencies should remind tourists who take part in group tours to take out insurance in personal accident insurance according to regulations. Insurance Law Article 12 When concluding an insurance contract, the applicant of personal insurance shall have an insurable interest in the insured. The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident. Personal insurance is an insurance with human life and body as the subject matter. Property insurance is insurance with property and its related interests as the subject matter. The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured. Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.