What is the basic knowledge of travel insurance?

Travel accident insurance, the insurance time: : -24 hours a day. Insurance target: all domestic and overseas tourists who participate in travel agency organizations. Coverage age: 18 days after birth to 7 years old. The insurance amount over 7 years old is halved. Insurance period: from boarding the means of transportation arranged by the travel agency to leaving the means of transportation arranged by the travel agency. Insurance liability: 1. Accidents that must be treated in hospital due to accidents or acute diseases during travel. (However, the acute attack of the original chronic disease is excluded). 2. Being disabled due to an accident during the trip. 3. Death due to an accident during the trip.

scope of insurance

1. All members of travel teams organized by travel agencies in China, including tourists and tour guides and tour leaders sent by travel agencies to provide services for tourists, can participate in this insurance as insured.

2. The insured with full capacity for civil conduct or other persons who have insurable interest in the insured may be the insured.

what is travel insurance

insurance liability

I. accidental death insurance liability

during the validity period of the contract, the insured suffers an accidental injury accident, and within 18 days from the date of the accidental injury accident, the company pays the accidental death insurance premium according to the insurance amount agreed in the contract, and the insurance liability of this contract to the insured is terminated.

ii. Liability of accidental disability insurance

During the validity period of the contract, the insured suffers from an accidental injury, and within 18 days from the date of the accidental injury, the Company will pay the accidental disability insurance benefits according to the provisions of the life insurance disability degree and insurance benefits payment ratio table (hereinafter referred to as the "ratio table"). If the insured still needs to continue to receive treatment, the Company will conduct disability appraisal according to the physical condition of the insured at the 18th day, and pay the accidental disability insurance money accordingly.

iii. Liability for accidental medical insurance

During the validity period of the contract, the insured is treated in a hospital designated or recognized by our company due to accidental injury, or rescued in a nearby hospital (the insured must be transferred to a hospital designated or recognized by our company for treatment after his illness is stable). After deducting 1 yuan, our company will pay 9% of the reasonable medical expenses incurred by the insured within 18 days from the date of the accidental injury.