I bought travel accident insurance, then aviation accident insurance. What if these two insurances are paid separately?

Travel accident insurance expert-Travel accident insurance must choose [Ping An] travel accident insurance.

Travel accident insurance [Ping An] insurance mall direct sales, domestic travel accident insurance from 5 yuan, overseas travel accident insurance from 55 yuan! Safe travel accident insurance fully protects accidental injuries during travel, such as happy travel and safe travel accident insurance!

1. What is the significance of travel accident insurance?

Travel accident insurance, as its name implies, refers to the accidental injury insurance that is not caused by illness but is caused by accidents due to external reasons during the travel activities arranged by the travel agency during the contract period. The insurance period generally refers to the beginning when tourists set foot on the means of transportation provided by the travel agency and the end when they leave the means of transportation arranged by the travel agency. Travel accident insurance is a kind of short-term insurance, which covers tourists, not travel agencies, but short-term compensatory insurance purchased by tourists voluntarily.

Second, the coverage of travel accident insurance?

The coverage of general "travel insurance" can be roughly divided into four parts: (1) personal accident protection, (2) medical expenses protection, (3) personal property protection and (4) personal legal liability protection.

(1) Personal accident protection

Give a pre-agreed amount due to accidental death or lifelong disability.

(2) medical expenses guarantee

Accidental medical expenses during the trip. Perfect travel insurance should include "international medical support" service. In the event of a major accident in the field, the insured can enjoy the services of the international medical team; For example, emergency medical transportation or return to the country of origin. Most travel insurance only covers medical expenses caused by accidents, but a few policies can also cover medical expenses caused by illness during the trip.

(3) Personal property protection

Protect the economic losses caused by accidental damage or theft of property during the journey.

(D) the legal responsibility to protect individuals

To protect the claim for personal injury or property loss caused by the negligence of the insured during the travel. Because the terms of policies issued by different insurance companies may be different, the scope of protection may also be different.

3. What does the travel accident insurance cover?

I bought a travel accident insurance. Do you think you will pay for all the accidents during your trip? Actually, it's not like this. Travel accident insurance cannot cover everything. Travel insurance includes travel agency liability insurance and travel accident insurance. Travel accident insurance can provide insurance compensation for the insured's death, disability or hospitalization due to accidental injury during travel.

However, many policyholders have misunderstandings about travel accident insurance, thinking that everything can be insured during travel. In fact, travel accident insurance only compensates for death, disability and accidental medical expenses caused by accidental injuries during travel, and insurance companies do not pay for losses caused by non-accidental accidents, such as heart disease recurrence. In addition, insurance companies may not be able to get full compensation after traveling. It is understood that tourists who died due to accidents and suffered from first-class disability can pay in full, and other accidental disability levels will be paid from 15% to 100% according to the proportion agreed in the policy.

There are many kinds of travel accident insurance, including domestic travel and overseas travel, with different travel days, different insurance coverage and different premiums; Protection points, accidental death protection, accidental medical insurance, so it depends on your situation. If you are traveling with a group, the tour group will help you buy this insurance according to your actual situation. If you travel frequently, it's more cost-effective to buy accident insurance for one year.

Fourth, case analysis: attention should be paid to investing in travel accident insurance.

Pay attention to travel accident insurance! Travel accident insurance will have some protection against loss. Because the vehicle driven by the customer has no annual inspection and is not covered by accident insurance, the insurance company will not pay. Let's take a look at the following cases:

On October 20th, 2065438+00/kloc-0, 10, Mr. Zhang attended a trip from Sichuan to go on road trip, Lhasa organized by a travel agency and paid 7,000 yuan. After the company charged, he took out travel accident insurance. The company rented a Mitsubishi off-road vehicle from a car club in Sichuan. 20 10, 10, 2 1, three passengers take the bus. The car drove to the 600-meter section of Batang 3 18 Line 3 172 km in Ganzi Prefecture. No speed limit sign, 50-60 yards per hour. Suddenly a stone appeared in front, and the driver hurriedly pulled down the steering wheel. And then it rolled over. Mr Zhang's left arm was broken in a car accident. After the injury, he flew back to Hangzhou Hospital for treatment, and spent more than RMB14,000. Mr. Zhang later learned that this Mitsubishi off-road vehicle has no operating qualification, no annual inspection and no insurance. Although the travel company insured him for travel accident insurance. However, the insurance company thought that Mr. Zhang had an accident when he went to road trip, which was different from the original passenger accident insurance, so he refused to pay compensation. Mr. Zhang negotiated with the travel agency for compensation many times, but there was no result, so he had to sue the court and demanded compensation for various losses totaling more than 46,000 yuan.

Insurance expert comments: Travel accident insurance will have some protection without compensation. Unless otherwise agreed in the contract, the insurance company shall not be liable for the payment of insurance benefits in case of death, disability or medical expenses of the insured due to one of the following circumstances:

(1) The applicant or beneficiary intentionally kills or injures the insured;

(2) The insured intentionally commits a crime or resists arrest, commits suicide or intentionally hurts himself;

(3) The insured fights, drinks, takes drugs, smokes or injects drugs;

(4) The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;

(5) Illegally taking a means of transport or passenger transport without the registration permission of the relevant departments of the local government;

(6) The insured aborts or gives birth;

(7) Medical accidents caused by cosmetic surgery or other internal and surgical operations of the insured;

(eight) the insured did not follow the doctor's advice, without taking, smearing or injecting drugs;

(9) The insured is engaged in high-risk sports such as diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunt performances, horse racing and racing;

(10) The insured suffers from AIDS or is infected with HIV (HIV positive);

(1 1) War, military action, riot or armed rebellion;

(12) Nuclear explosion, nuclear radiation or nuclear pollution;

(thirteen) can not provide travel documents and related information;

(fourteen) social medical insurance (including public expenses) self-funded items and drugs prescribed by the administrative department.

The vehicle driven by Mr. Zhang has not been inspected annually, which belongs to the means of driving without a valid driving license and does not belong to the claim scope of accident insurance. Travel accident insurance purchased by travel agencies should generally stipulate the travel items during travel. If there is no self-driving project, it will not be settled. There are many kinds of accidental injuries in tourism, especially traffic accidents. Some are due to the driver's driving fault of the tourist vehicle, and some are due to the driving of other vehicles. In addition, tourists themselves have special diseases or special constitutions, and there are not a few people who take part in dangerous activities and cause injuries.

For example, tourists with high myopia participate in bungee jumping, which leads to retinal detachment, people who can't swim play in the swimming pool, which leads to drowning, and people in their fifties and sixties participate in rafting, which leads to spinal fractures. Therefore, it is not enough to buy short-term accident insurance only from travel agencies. We still need to buy some commercial accident insurance and increase the number of accident medical items to at least 20 thousand.

Five, insurance experts talk about: three points should be paid attention to before insuring accident insurance.

Tourism is an indispensable part of people's life today. For travelers, it is very important to insure travel accident insurance to ensure the safety of the journey. When insuring accident insurance, there are some elements that need your attention. The following is a detailed introduction for you.

First, high-risk sports are not covered by accident insurance.

It should be noted that some sports that people love in summer may not be accepted by all accident insurance. Such as rafting, rock climbing, surfing, diving, etc. Because of the high risk of these projects, most people don't have professional skills. Many insurance companies list them as exclusions in the contract terms, and only a few companies provide protection. In this case, you can choose not to participate in these projects, or you can do more homework when you apply for insurance and choose a product that is covered by insurance.

Second, summer sickness is as important as accident insurance.

It is also necessary to prevent diseases and accidents caused by heatstroke in summer. However, heatstroke is not an "unexpected accident" in people's imagination, but a disease in essence, which is caused by one's own physical quality and a response to the harsh environment. Therefore, if you only receive treatment after heatstroke, you need to rely on some medical insurance to compensate, and if heatstroke causes accidents, you can rely on accident insurance and accidental medical insurance to compensate. You can also seek compensation from work injury insurance for heatstroke during work.

Third, you need to pay attention to the upper limit of insurance amount.

Last but not least, parents should pay attention to the upper limit of insurance coverage when insuring accident insurance, whole life insurance and other life insurance products for their children. It is understood that the maximum amount of children's insurance in Beijing, Shanghai, Guangzhou and Shenzhen is 654.38+10,000 yuan, and the maximum amount of children's insurance in other regions should not exceed 50,000 yuan.

Parents don't have to over-insure, and they don't need to spread insurance to multiple insurance companies to increase their children's insurance coverage. Because when insuring, parents need to face the question of "whether to insure in other companies". If the answer is "yes", the insured amount will naturally not exceed 65,438+10,000 yuan. If you choose "No", it is tantamount to violating the principle of utmost good faith and laying a hidden danger for future claims. What's more, although children are the hope of parents tomorrow, they are not the pillars of today. Limited insurance resources are best used on the cutting edge.

Six, four insurance misunderstandings that should be avoided when investing in travel accident insurance.

Travel accident insurance can provide a powerful "umbrella" for your journey. When purchasing travel accident insurance, passengers should pay attention to avoid purchasing inappropriate travel accident insurance due to misunderstanding. The following is a detailed explanation of the four major tourist misunderstandings for your understanding. During New Year's Day and the upcoming Spring Festival, some people will choose to travel. Insurance experts remind that tourists should insure themselves and their families against travel accident insurance when traveling abroad, but the following misunderstandings should be avoided when purchasing travel accident insurance.

Myth 1: Travel liability insurance can cover "accidents"

According to insurance experts, the travel agency only bears part of the responsibility when tourists have accidents in the process of traveling, because travel liability insurance is the insurance that travel agencies must take out, and only pays the economic responsibility that travel agencies need to bear due to negligence or negligence, while tourists' own accidents are not covered. Therefore, when traveling, you must buy a travel accident insurance for yourself and your family to increase your protection.

Myth 2: The higher the overseas travel accident insurance coverage, the better.

Considering the consumption level of foreign countries, some tourists often choose high-value insurance products when purchasing medical insurance, thinking that "high insurance coverage is good". However, insurance experts said that when traveling to countries with high medical expenses such as the United States, Singapore and Japan, the amount of medical insurance coverage should not be less than 200,000 yuan; Travel to Thailand, Malaysia and other countries, if the trip is short, the insurance coverage of medical insurance is about 654.38+10,000 yuan.

Myth 3: The insurance period and travel time of travel accident insurance can be staggered.

"The insurance period of travel accident insurance should match the travel time." Insurance experts said that if the travel itinerary changes, tourists should adjust the coverage period of the selected insurance. In case of travel delay or cancellation, tourists should ask the airport or airlines and other departments for written proof of flight change and other related information so as to claim compensation from the insurance company in the future.

Myth 4: You can get full compensation after the accident.

Insurance experts said that the insurance amount agreed in the personal accident insurance is only the highest insurance premium paid by the insurance company, not the actual amount paid. Except for aviation accidents, other personal accident insurances are paid in proportion. In addition, many travel accident insurances "exempt" high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping and surfing. Therefore, when choosing travel insurance, tourists should pay attention to whether there are restrictions on item-by-item liability payment in the travel insurance introduced by insurance companies.

Because according to the relevant regulations of the Tourism Bureau, all travel agencies must take out travel agency liability insurance, and some tourists think that it is unnecessary to buy travel accident insurance when traveling with a group. This is a misunderstanding. "Tourism may have various risks, and the responsibility is not entirely in the travel agency. If tourists hold the wrong idea, once a loss occurs, some of them will not be guaranteed. " Others think that it is a kind of repetition and waste to buy vehicle accident insurance and then aviation accident insurance. Unless there are special provisions in the terms of products purchased in the same company, the insurance amount of products usually purchased in different insurance companies can be superimposed.

Seven, travel needs protection, please buy travel accident insurance.

In recent years, frequent natural disasters have had a great impact on tourism. Insurance experts remind the public that buying a travel accident insurance for themselves before traveling can greatly reduce losses. Here are some kinds of travel accident insurance for you, which aspects are covered respectively. In recent years, the disaster caused by the earthquake has caused many people to pay attention to sudden accidents, and the losses caused by the earthquake have highlighted the importance of accident insurance. It has become the common sense of many people to give themselves an accident insurance in time.

There are four main types of accident insurance. Although the name of accident insurance is simple, it can actually be subdivided into the following categories according to the duration and scope of protection:

Product 1: aviation accident insurance

Most people who have flown have been exposed to aviation accident insurance and spend 20 yuan each time to buy a guarantee for their flight. In fact, in addition to the aviation accident insurance that can be purchased at one time, now more "trapeze" can choose to purchase the annual aviation accident insurance. That is, one-time insurance can cover accidental injuries caused by flying within one year.

Product 2: Vehicle accident insurance

As the name implies, vehicle accident insurance covers a wider range than aviation accident insurance. In addition to accidental risks when flying, buses, ships, etc. are all within the scope of protection. The term of traffic accident insurance is 1 year, but most of them are short-term protection products that are effective from 7 days to 15 days.

Product 3: Travel accident insurance

In addition to the common domestic travel insurance, there are many accident insurance products specifically for overseas travel. The insurance period of travel accident insurance can range from 1 day to 1 month or even 1 year. The longer the insurance period, the higher the cost. Therefore, the travel time should be considered when insuring, which can be slightly longer than the travel time to prevent the travel delay from exceeding the insurance period. However, many travel insurance policies have an extension function. Once the itinerary changes, you can apply for an extension.

Product 4: Comprehensive accident insurance

What we usually call accident insurance mostly refers to comprehensive accident insurance, including accident insurance, accident medical insurance, accident living allowance and so on. When consumers buy accident insurance, they must first understand the scope of protection. For example, some consumers can only get compensation for accident insurance if they die or are disabled. If you just go to the hospital for general bumps or minor injuries, the insurance company will not be responsible for this part of the expenses.

Occupational nature affects pricing:

Different from life insurance, the rate of accident insurance is not related to the age of the insured, but the nature of occupation is an important factor affecting pricing. At present, each insurance company has its own occupational classification table, and some high-risk industries, such as stuntmen, are even within the scope of refusal. Insurance experts remind consumers that when their occupations change, they should take the initiative to inform the insurance company and go through the corresponding procedures.

Interpretation: journalist accident insurance protection scheme

Journalist is a special profession, so it is inevitable that he will often go out for interviews, need to take various means of transportation, or go in and out of various places and bear various risks. In the eyes of people in the insurance industry, they are "dangerous" occupations, because employees in these occupations are more prone to accidents than employees in other occupations. It is precisely because of the special risks of special occupations that travel accident insurance is particularly important to them.

Why is the reporter accident insurance premium high? The explanation given by insurance experts is that journalists face greater risks than ordinary office clerks because they often have to interview outside and take various means of transportation. In fact, not only journalists are so "special", but other professional groups are also more expensive to insure accident insurance premiums than ordinary people. Judging from the current terms of insurance companies, different occupations are generally divided into five or six categories, such as editors, office clerks and teachers. Because they usually work in the office and go out less, they are a kind of risk and the premium is the cheapest; Field workers, such as salespeople, journalists, actors, etc. , because of the need to go out frequently, the risk is high, and it will be classified as a second-class risk; For example, bus drivers belong to the third category and traffic police belong to the fifth category. The higher the category, the more expensive the premium. There are also some professions, such as war correspondent, "Spider-Man" who specializes in washing exterior walls, miners and so on. Because of the high risk, it is often included in the scope of "refusal to pay compensation" by insurance companies.

For example, reporter Wang, who is engaged in journalism, often travels to various places for interviews and takes public transportation, especially trains and planes, so it is necessary to strengthen traffic insurance. Moreover, due to the nature of journalists' work, they often "meet unexpectedly" various risks in their work. There is an urgent need to strengthen their own risk protection. According to reporter Wang's demand, we provided him with comprehensive accident insurance with the functions of emergency rescue and medical advance payment, as well as comprehensive vehicle insurance. In this way, when encountering risks, you can enjoy the green emergency rescue channel of China Life, get first aid, and enjoy the function of medical payment in advance. The combination of comprehensive accident insurance and auto insurance ensures that reporter Wang has high death and disability protection anytime and anywhere.

Comprehensive protection of interests:

Aircraft accident: 500,000 people died, 500,000 people were disabled and 500,000 people were burned.

Train accident: 500,000 people died, 500,000 people were disabled and 500,000 people were burned.

Ship accident: 500,000 people died, 500,000 people were disabled and 500,000 people were burned.

Car accident: 654.38+million people died, 654.38+million people were disabled and 654.38+million people were burned.

Medical expenses for traffic accidents: 2,000 yuan can be reimbursed every year, and other accidents: 80,000 yuan of death; Disabled 80,000; The annual reimbursement limit for accidental injury medical expenses is 6000 yuan; Accidental injury hospitalization subsidy 30 yuan/day, according to the number of days of hospitalization subsidy. Value-added service: 1, 24-hour bilingual call center service; 2. Assist in arranging emergency vehicles and coordinate on-site medical rescue; 3. Assist in reporting cases and contacting family members; 4. Pre-hospital medical emergency guidance; 6. Doctors evaluate and recommend suitable hospitals; 6. Assist in handling emergency and hospitalization procedures; 7, emergency expenses, surgery deposit, hospitalization expenses deposit or mat endowment; 8, treatment process tracking, evaluation guidance and insurance claims; 9. Evaluation and translation of medical reports.

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