What can travel agency liability insurance protect passengers?

In recent years, more and more people began to learn to enjoy life and travel around with travel agencies. Passengers can provide risk protection in their own insurance, but what protection can insurance passengers insured by travel agencies get?

There are many types of insurance for tourists, and several types of liability insurance can provide risk protection during travel. The compensation premise of this kind of insurance is that the insured bears the responsibility for the accident risk and shares part or all of the civil compensation for tourists through insurance compensation within the scope of insurance responsibility.

Travel agency liability insurance: it is difficult to get compensation if you don't follow the rules.

According to the National Tourism Administration, all travel agencies must take out "travel agency liability insurance" for their teams, and tourists can enjoy this insurance as long as they participate in tourism activities organized by travel agencies. If the travel agency's fault or fault causes tourists' losses, the responsibility that the travel agency should bear will be transferred to the insurance company. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

In the case of liability determination, if the party responsible for the accident has an agreement with the insurance company in advance, the insurance company will generally pay the compensation directly to the tourists to avoid the delay of the responsible party. However, if an accident occurs during the free time, or personal injury, property loss and various expenses are caused by the tourists' personal negligence, the tourists can't get compensation. Don't ignore the guide's reminder.

Passenger liability insurance: full coverage of public transportation.

Passenger carrier liability insurance, also known as "seat insurance", refers to the insurance company's responsibility for personal and property losses caused by accidents such as bus rollover caused by the owner's responsibility during the ride. Among them, each short-distance passenger transport on urban and rural roads in the county can be compensated up to 200,000 yuan; Long-distance passenger transport between cities, each seat can be compensated up to 300 thousand yuan; Express trains, tourist buses and high-speed buses can receive compensation of up to 400,000 yuan to 500,000 yuan each. Railways and civil aviation are also insured for this type of insurance. The nature of compensation for the 7.23' Wenzhou bullet train accident is seat insurance, but it is self-insured by the Ministry of Railways, so the insurance amount is only 20,000 yuan, which is very low in the final compensation of more than 900,000 yuan. Hao, dean of the School of Insurance of the Central University of Finance and Economics, said.

The "seat insurance" premium is paid by the owner, and passengers do not have to pay. At present, it is compulsory insurance in China, covering all public transport except subway. The compensation standard for personal injury and death is calculated according to the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases. Property losses can also be compensated, but computers, cash, bills, securities, gold and silver jewelry, cultural relics and antiques, computer materials, etc. Not within the scope of compensation.

Public liability insurance: don't be careless about keeping "evidence"

Tourist attractions, Internet cafes, KTV, shops, cinemas and other public places are generally insured with public liability insurance. In the event of fire, collapse and other risks causing casualties, the insurance company must compensate. Consumers should not believe that the responsible party uses the lack of money as an excuse to delay or even shirk compensation.

Bao Ge reminds: Our travelers can choose to take out an insurance for themselves when the travel agency takes out insurance. One more insurance, one more guarantee. Some insurance risks cannot be guaranteed by travel agency insurance. Therefore, it is very necessary for passengers to buy a travel insurance. If you need to buy insurance, you can also choose to log in to Brother Bao. Brother Bao Com provides all kinds of insurance products for our customers. You can learn about it in official website. If you have any questions, please contact our online customer service. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: the national social security medical insurance application reimbursement process in 2020!