I just bought a travel insurance. Is food poisoning in scenic spots an accident? Will the insurance company pay for it?

Nowadays, food safety is also one of the concerns of the general public. Due to environmental pollution and climate change, the food we eat around us is becoming more and more vulnerable to pollution. Health is the most important thing for us. We should strictly control everything in life and pay attention to the safety of things. Just recently, food poisoning happened again. The following are ways to deal with food poisoning during travel.

Specific time details: 65438+ 10 June 7 13-year-old Xiao Yong felt unwell after drinking Sprite bought in the supermarket, and was diagnosed as mercury poisoning after being admitted to hospital. On June 5438+0 1 in 2009 and June 5438+0 this year, two mercury poisoning incidents occurred in Beijing after drinking Sprite. So how can I get insurance compensation in case of food poisoning? Please see what the experts suggest. On August 5th, Mr. Wang took his children to a seaside tour organized by a travel agency. After lunch, the child suddenly developed symptoms such as diarrhea and vomiting. He quickly took the child to the hospital, and the doctor diagnosed it as food poisoning.

Mr. Wang called this newspaper to ask: will the insurance pay for food poisoning during the trip?

On this issue, the reporter interviewed insurance experts. Experts said: whether or not to compensate, how to compensate, depends on the specific situation.

Food poisoning, which belongs to the responsibility of travel agencies, is compensated by travel agency liability insurance.

In order to ensure the smooth journey and service in place, tourists must sign a contract with the travel agency before going out, stipulating the responsibilities of both parties, including travel insurance. This kind of travel insurance takes legal travel agencies that organize group tours as the insured, tourists who take part in tour groups as the insured, and travel agencies collectively handle insurance procedures for the insured. Travel insurance is generally called travel agency liability insurance, which is compulsory insurance for travel agencies by relevant departments.

However, the reporter found that the word "food poisoning" was not explicitly involved in the liability insurance contract of the travel agency. Expert explanation: Item 5 of Article 14 of the contract stipulates that "If Party A suffers personal injury or property loss during the tour, Party B shall provide necessary help and treatment. If Party A's personal injury or property loss is caused by Party B, Party B shall be liable for compensation. " Personal injuries here include food poisoning.

The key to claim for food poisoning lies in the determination of responsibility. Food poisoning caused by those passengers eating or buying food by themselves is not the responsibility of the travel agency and is not covered by the travel agency liability insurance. If food poisoning is caused by eating in hotels, restaurants or restaurants arranged by tour guides as agreed in the package tour agency contract, the travel agency shall be responsible, and the travel society shall collect evidence and notify the relevant insurance companies to settle claims for tourists.

The amount of travel agency liability insurance is agreed by insurance companies and travel agencies in the form of group insurance, which is not exactly the same. Visitors can consult the travel agency before going out, so as to be aware of it, and don't forget to sign a contract with the travel agency before going out.

The "food poisoning" that belongs to the passenger's responsibility is compensated by accident insurance.

According to experts, many tourists think that with travel agency liability insurance, there is no need to buy other insurance. This understanding is very one-sided. Travel agency liability insurance only bears the compensation for personal injury and property loss caused by the fault or negligence of the travel agency, and only transfers the liability risk of the travel agency to the insurance company. However, the injuries and losses caused by tourists' own mistakes in the process of traveling can only be borne by tourists themselves. For food poisoning caused by tourists' responsibility or personal travel, people's compensation needs can only be met through "travel accident insurance", which belongs to the scope of personal voluntary purchase.

So, under what circumstances does the insurance company give claims? The staff of an insurance company said that if the parties insured accidental injury insurance and attached accidental injury medical insurance, they should first make it clear whether it was an accident. If food poisoning is really an accident, you can make corresponding claims. Under normal circumstances, insurance companies have a narrow definition of accidents, but if three or more people collectively have symptoms of food poisoning, they can be regarded as accidents, while the occurrence of a single individual will be regarded as a case, and accident insurance will not be paid.

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