For example, if you buy life insurance from China and die in an accident while traveling abroad, will the insurance company pay compensation?

Think twice when traveling Xinhua News Agency According to common sense, we all know that safety and other aspects are more guaranteed when traveling in a regular tour group, and even if an accident occurs, it will be handled better. This is because the state stipulates that travel agencies organizing travel must apply for travel agency liability insurance for tourists. It is understood that when a travel agency organizes a group tour, in order to protect the interests of tourists, it pays insurance premiums to insurance companies on behalf of tourists to purchase travel accident insurance. Once a tourist has an accident during the tour, the underwriting insurance company will pay the tourist accident insurance according to the contract. Pay insurance premiums. Does that mean that if you encounter an accident with a tour group, you can get insurance compensation? What if it is a self-guided tour for individual travelers? What does travel agency liability insurance cover? Question: It is understood that the scope of compensation for travel accident insurance provided by travel agencies includes the following compensations caused by accidents that occur to tourists during travel: compensation for personal injury and death due to acute illness; medical expenses for injuries and acute illness treatment; death disposal or remains Expenses required for repatriation; compensation required for lost, damaged or stolen luggage carried by tourists; compensation caused by third liability. Although no one wants an accident to occur, purchasing insurance undoubtedly gives travelers more protection. According to Mr. Cheng, an insurance company, the insurance period for domestic travel, outbound travel, and travel accident insurance organized by travel agencies starts from the time when the tourist boards the vehicle arranged by the travel agency at the agreed time until the tourist leaves the vehicle arranged by the travel agency at the end of the trip. When a tourist has an accident within the scope of insurance liability within the validity period of the insurance, the travel agency should promptly obtain valid certificates from the public security, medical, underwriting insurance company or its branches and branches in the place where the accident occurred, and the main tour operator shall jointly underwrite the insurance The company handles claims matters. Mr. Cheng reminds: If a tourist terminates the travel itinerary arranged by the travel agency on his own, the insurance period will be until the time he terminates the travel itinerary. Tourists who travel on their own after terminating the travel itinerary agreed upon by both parties are not covered by travel accident insurance. What should you do if you encounter a traffic accident while traveling? Question: Traveling by car or boat is indispensable. Don’t be afraid of ten thousand, just be afraid of the unexpected. Zeng Yangtian, a lawyer at Guangdong Green Law Firm, said that if an accident occurs during the itinerary arranged by a tour group, then this falls within the scope of compensation of the travel agency liability insurance. If an accident occurs during a personal self-guided tour, generally speaking, the premium of the compulsory tourist accident insurance is included in the ticket price. Tourists have actually purchased the insurance when purchasing their bus or boat tickets. Therefore, most air tickets, bus tickets and tickets to attractions contain insurance, and these tickets also have the meaning of insurance certificates. In the event of an accident, they are the basis for claiming insurance compensation and paying insurance benefits, and should be kept properly. What should I do if an accident occurs in a self-funded project? Question: Many tourists have had the experience of spending money to participate in off-plan travel projects when participating in trips organized by travel agencies. What should they do if an accident occurs at this time? Zeng Yangtian suggested that if the accident is within the scope of liability of the insurance you bought, follow the insurance personnel's arrangements and keep all the documents during the treatment and travel process for future claims. But Zeng Yangtian said that not all personal injuries that occur during travel will be compensated by insurance companies and travel agencies. For such accidents, it also depends on whether the tourist is at fault for the damage suffered, or whether his own physical reasons caused the related losses. If negotiation fails, tourists can choose to file a lawsuit in the court where the infringement occurred or where the infringer is domiciled. Since the infringement generally occurs in other places, it is recommended that tourists file lawsuit in the court where the registered travel agency is located, which can also save money. A certain cost. He also introduced that there was a case in Guangzhou (hotel) some time ago, in which an old man went to Egypt with a tour group and died suddenly while participating in a Red Sea snorkeling project at his own expense. The travel agency was finally judged to bear 20% of the liability. Mr. Cheng suggested that tourists can voluntarily purchase travel accident insurance in order to better protect their own interests. And if you are an individual traveler, it will become more urgent to buy travel insurance individually because there is no insurance protection for the tour group. But he specifically reminded that basically all travel accident insurance is exempt from liability for some high-risk activities. For example, high-risk activities such as horse racing, rock climbing, diving, alpine skiing, bungee jumping, and surfing are generally covered by the exemption unless there is a special statement. In recent years, there have been some innovations, and some insurances will cover high-risk activities. Therefore, Mr. Cheng reminds tourists that when choosing travel insurance, they should pay attention to whether the travel insurance launched by the insurance company has any restrictions on the compensation of sub-liabilities. To avoid falling into some misunderstandings, it is necessary to be familiar with the relevant terms of travel accident insurance. What should I do if my accommodation is stolen? Question: I believe every tourist has stayed in a hotel, and some may even have the unpleasant experience of having their belongings stolen during their stay. Make a claim, but in the end you may not get even a penny of compensation from the hotel. Zeng Yangtian said that if a theft accident occurs, the hotel should first provide qualified accommodation conditions for the guests, but in fact, in such problems, there are problems with the guests' proof. It is almost impossible for guests to prove that what items were placed in the room were lost when they were placed in the room, unless there is a camera in the hotel and the camera captures the theft process. In the end, it may take the results of the police investigation to make a clear decision.

In this regard, he suggested that valuables should be carried by yourself or stored at a specific storage point of the hotel (the hotel will issue a list). When carrying items by yourself, you should check whether the doors and windows of the room are damaged. If there is any damage, report it and eliminate it in time. Be careful when sailing the ship that lasts ten thousand years. What should you do if you encounter an accident while traveling overseas? Question: When traveling abroad, you will inevitably have to go to a place where you are unfamiliar with life, and language communication is especially difficult. If you encounter an accident at this time, how to get help in a timely and effective manner is of great concern to tourists. Mr. Cheng reminded that in fact, domestic insurance companies generally cooperate with the International Rescue Center and SOS to launch travel insurance with travel assistance functions. In the event of an accident, tourists who have purchased travel insurance should make good use of it. No matter you encounter danger anywhere at home or abroad, you can call to get free assistance, providing timely and effective assistance when an accident occurs.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance