How to compensate for travel accidents? Travel accident insurance compensation scope

How to compensate for an accident while traveling? What is the scope of compensation for travel accident insurance? During travel, once a travel accident occurs to a tourist, what is the general coverage of travel accident insurance? What are the situations? Next, let me explain it to you.

Travel accident insurance compensation scope includes compensation caused by personal injury and death due to acute illness; medical expenses for injuries and acute illness treatment; expenses required for death treatment or repatriation of remains; loss or damage of luggage and items carried by tourists Compensation required for theft or theft; Compensation arising from third party liability. According to the basic standards for the compensation amount of travel accident insurance, there are specific regulations for inbound tourism, outbound tourism and domestic tourism. When travel agencies apply for insurance for domestic tourists traveling within China, the insurance amount for each tourist shall not be less than 100,000 yuan. . When applying for travel accident insurance for foreigners traveling inbound and Chinese traveling abroad, the insurance amount for each tourist shall not be less than RMB 500,000. Once a tourist encounters an accident specified in the travel accident insurance compensation scope during travel, he or she will receive full, half or part of the insured amount according to regulations, depending on the specific circumstances.

The exemption scope of travel accident insurance excludes most high-risk activities. Insurance industry insiders remind that among the personal travel accident insurance purchased by travelers themselves, many travel accident insurance covers horse racing, rock climbing, adventure rafting, and diving. , alpine skiing, skateboarding, bungee jumping, surfing and other high-risk activities are "exempt from liability". Because these projects are highly dangerous and most people do not have professional skills, many insurance companies list them as exclusions in their contract clauses. This is a brief explanation. I wonder if everyone has a certain understanding of the compensation scope of travel accident insurance? Friends who go out for fun must know whether there are high-risk items they are going to play, so that they can choose insurance.