How to pay for accidental fall insurance during travel?

Legal analysis: During the validity period of the contract, the insured is treated in a hospital designated or recognized by our company for accidental injury, or rescued in a nearby hospital (after the insured's condition is stable, he must be transferred to a hospital designated or recognized by our company for treatment). The reasonable medical expenses incurred by the insured within 65,438+080 days from the date of the accidental injury, after deducting 65,438+000 yuan, the company will pay 90%.

Legal basis: People's Republic of China (PRC) Insurance Law.

Article 10 An insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations.

The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.

An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.

Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.

Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.

Article 31 An applicant has an insurable interest in the following persons:

(1) me;

(2) Spouse, children and parents;

(3) Other family members and close relatives who have maintenance or support relations with the applicant other than those specified in the preceding paragraph;

(4) Workers who have labor relations with the insured.

Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured.

When concluding a contract, if the applicant has no insurable interest in the insured, the contract is invalid.

Article 48 In the event of an insured accident, if the insured has no insurable interest in the subject matter insured, he may not claim compensation from the insurer.