Traditional Culture Encyclopedia - Travel guide - Personal travel accident insurance is 6,543,800 yuan. What are the claims of insurance companies?

Personal travel accident insurance is 6,543,800 yuan. What are the claims of insurance companies?

The compensation scope of travel accident insurance includes compensation for personal injury and acute death, medical expenses for injury and acute treatment, expenses for death treatment or repatriation of remains, and compensation for lost, damaged or stolen luggage carried by tourists.

Tourist personal accident insurance, as its name implies, refers to the accident insurance against foreign, sudden and non-disease accidents 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. Tourist personal accident insurance is a kind of short-term insurance, and the insurance target is tourists, not travel agencies, but short-term compensatory insurance purchased by tourists voluntarily.

The compensation scope of travel accident insurance is:

1, compensation for personal injury or death caused by acute diseases;

2. Medical expenses for treating injuries and acute diseases;

3, the cost of death treatment or repatriation;

4. Compensation for lost, damaged or stolen luggage carried by tourists;

5. Compensation caused by third-party liability. According to the basic standard of compensation for travel accident insurance, there are specific provisions for inbound tourism, outbound tourism and domestic tourism respectively;

6. When the travel agency handles insurance for domestic tourists traveling in China, the insurance amount of each tourist shall not be less than 6,543,800 yuan. When handling travel accident insurance for foreigners who are inbound tourists and China people who are outbound tourists, the insurance amount for each tourist shall not be less than 500,000 yuan.

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