Nine Hong Kong people were killed in Egypt. Why did only three people get compensation for their travel insurance?

Nowadays, people's living standards are improving day by day. After busy work, traveling has become a way for everyone to entertain themselves. It is inevitable that there will be some unexpected situations when you are away from home. When an accident comes, a qualified insurance can help you to the greatest extent, but buying the wrong insurance will leave you penniless. Let's take a look at the following case.

Case details:

On February 26th, 20 13 local time, nine Hong Kong tourists experienced a hot air balloon ride in Luxor, Egypt. The hot air balloon caught fire and exploded, and finally landed in a sugarcane field near the ancient city of Luxor. All nine Hong Kong tourists were killed, but only three of them got insurance compensation.

Why don't you pay the travel insurance for the other six people?

Six of the nine Hong Kong tourists who died bought the insurance plan of China Merchants Insurance Co., Ltd. by themselves through insurance agents. Chen Kun, general manager of China Merchants Insurance Co., Ltd. told China News Service that the travel insurance policy purchased by the deceased has detailed provisions, and "air activities" are not covered by the policy. However, from a humanitarian standpoint, the company will handle it as appropriate and assist the family members to transport the body of the deceased back to Hong Kong.

The other three victims were insurance plans underwritten by Zhongli Insurance Co., Ltd. purchased through the travel agency involved. According to the travel agency, hot air balloon activities are covered by insurance, including personal accident (maximum compensation of HK$ 500,000), body repatriation (compensation for transportation expenses) and compassionate protection (maximum compensation of HK$ 50,000).

I have accident insurance. Do I still need to buy travel insurance?

The difference between travel insurance and accident insurance is mainly reflected in the scope of protection, value-added services and premium prices.

1, protection scope:

Comprehensive accident insurance covers a wide range of "accidents", and most accidents in life can be guaranteed.

The coverage of travel insurance is very accurate, which only covers the situation of "traveling abroad", but it also includes some protection that comprehensive accident insurance does not have, such as riding, skiing, rock climbing and other high-risk sports, outbound tourism and so on.

2. Value-added services:

Some travel insurance also includes rescue service and trailer service. There is no comprehensive accident insurance.

3. Price advantage:

Because the coverage of travel insurance is small, the coverage time is short and the price is relatively cheap.

To sum up, it is best to buy insurance when traveling abroad, and it is best to buy travel insurance and accident insurance together, which complement each other to minimize risks and give the insured more comprehensive protection.

How to choose travel accident insurance?

1. Different products may have different deductible items.

It is understood that different travel insurance products may have different deductible provisions for risk activities. For example, an overseas travel protection plan states that "hang gliding and skydiving activities, horse racing, various vehicle performances, vehicle races and stunts are not covered in this plan", while the overseas travel products of another insurance company cover "amateur leisure sports such as skiing, diving, surfing and horseback riding". Therefore, when your travel plan may include these items, you must choose insurance products that cover such protection, otherwise you will leave risks. Once an accident happens, no matter how high the insurance coverage, the product is useless.

2. The policy "deductible" should also be concerned.

If the travel destination is in a state of war or a country or region that has been declared into a state of emergency, the insurance company will not underwrite it; Afghanistan, Myanmar, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria and other countries usually belong to the "deductible area" of the policy.

Countries or regions listed as "deductible areas" will not be compensated for any insurance accidents that directly or indirectly go to or pass through during this period. Therefore, we advise travelers to avoid reaching these areas as much as possible. Even if there is insurance, the risk is still great for personal life and property. Insurance can't save lives, only economic compensation afterwards. Therefore, unless you have to go to these areas, generally don't take risks easily.

3. The coverage of accident and medical insurance is high enough.

The medical system at home and abroad is very different. Without insurance, a cold, fever and sprain that you think can be cured with tens or hundreds of dollars at home may cost tens of thousands of RMB abroad, so it is suggested that the coverage of accident insurance and medical insurance should be high enough.

4, equipped with emergency rescue services

When we are in danger in a strange environment, rescue agencies will use all kinds of resources to provide services for us, so when buying overseas tours, we must buy products that include emergency rescue services.

Each relief agency has its own branches and service providers all over the world. When choosing products, it is suggested to choose rescue agencies with local branches as far as possible, which will be more secure.

Finally, I hope readers will pay more attention to safety while doing a good job in holiday travel. Of course, when buying insurance, you should also carefully look at the scope of protection and so on. If in doubt, Baidu search "Baibaojun", popularize insurance knowledge, clear the insurance blind area, and have professional insurance consultants to escort you to buy insurance!