Do you need to buy accident insurance when you travel?

Now that the living standard of the whole people has improved, more and more friends choose to travel on holidays. "Either the body is on the road or the soul is on the road." However, when going out, the most important thing is safety. In other words, if you are not afraid of 1 thousand, you are afraid of one thousand, so travel accident insurance came into being. Then the question comes, should travel buy travel accident insurance?

Many people ignore the importance of travel accident insurance before going out, thinking that it is not only a waste of money, but also useless on the whole. But you should know that once an accident comes, the consequences of not buying travel accident insurance may be very serious! Today, the Shenyang Cultural Market Comprehensive Law Enforcement Corps brought us a real case. Let's take a look at the painful consequences of not taking out travel accident insurance! Mr. Wang and his son signed up for a five-day tour of Shaoxing, Fenghua and Putuo Mountain in Zhejiang in a travel agency. They signed the contract on the spot and paid 3,2 yuan for travel expenses. The contract given by the travel agency at that time clearly stated that personal accident insurance was included. After that, Mr. Wang and his son happily went out with the tour group. However, on the fourth day of the trip, an accident happened.

"It's already five o'clock in the afternoon after visiting Putuo Mountain with my son. At that time, the tour guide said that there was a bathing beach nearby. My son was very happy after hearing this, and kept clamoring to go to the seaside to play. At that time, other people in the group were particularly looking forward to it, and the tour guide took us. " Mr. Wang's son was swimming in the sea when a big wave hit him. Mr. Wang's son was swept away by the waves on the spot and disappeared. It was not until four days later that the rescue team found his son's body. After the incident, Putuoshan Beach paid Mr. Wang 5, yuan of insurance money and 3, yuan of liability compensation in one lump sum according to the agreement on the ticket and the unfavorable rescue situation. Later, Wang went to a travel agency and asked for 3, yuan in insurance compensation on the grounds of paying the personal accident insurance fee in the travel contract. However, the reply given by the travel agency is chilling: "Your son is currently under 16 years old and does not enjoy insurance compensation; Moreover, swimming in the bathing beach is not a travel agency's itinerary, but is added by tourists themselves. Moreover, the beach where the accident occurred has already compensated you, and our travel agency has no responsibility to compensate you again. " The reply given by the travel agency seems reasonable, but it is full of loopholes. What's more, according to the investigation, before the incident, the travel agency did not handle personal accident insurance for Mr. Wang and his son. In desperation, Mr. Wang Can had to sue the travel agency to the court, demanding that the travel agency pay 5, yuan for accident insurance and spiritual comfort. After the court heard, it was found that the travel contract reached between Wang and his son and the travel agency was established; Personal accident insurance expenses are included in the travel expenses; According to the provisions of the Contract Law, the travel agency should handle personal accident insurance for tourists, but it failed to do so, which made Wang (the insurance beneficiary) unable to get corresponding compensation, which violated the principle of good faith. Therefore, the travel agency should bear the liability for compensation and order the travel agency to compensate Wang 3, yuan.

Guo Yanfeng, deputy head of Shenyang Cultural Market Comprehensive Law Enforcement Corps

"Article 61 of the Tourism Law stipulates that travel agencies should remind tourists who take part in group tours to take out insurance in personal accident insurance according to regulations." Guo Yanfeng, deputy head of the Shenyang Cultural Market Comprehensive Law Enforcement Corps, introduced the detailed regulations to us in the Tourism Law. "In this case, in order to covet the insurance premium of tourists (or work mistakes), the travel agency went beyond the truth and did not handle personal accident insurance for tourists, which made it difficult for tourists to claim insurance compensation after the accident. This not only violates the relevant national laws and regulations, but also loses the minimum professional ethics. In the end, coveting small profits can only outweigh the gains and pay a painful price. "

The seemingly small travel accident insurance has brought such a tragedy to a family because of its absence. So, how should we try to avoid such a tragedy in our future trips? Here, Deputy Chief Guo Yanfeng also brought us warm-hearted official tips: "First, we must distinguish whether the travel agency is formal and legal. Regular and legal travel agencies should pay a certain amount of quality deposit and liability insurance, and remind tourists to buy accident insurance when signing travel contracts; Second, prevent falling into the trap of "unreasonable low-cost travel". If the travel cost is lower than the cost price, the travel agency will make up for the cost loss from some aspects, and tourists should not be greedy for cheap; Third, tourists should pay attention to safety and enhance their insurance awareness during their travels. When you join a group tour, you'd better choose to buy accident insurance for yourself. In addition, when buying insurance, you should ask about the scope of compensation, make a reasonable choice according to your actual situation and travel itinerary, and pay attention to asking for invoices and insurance policies after buying. Because travel agency liability insurance does not cover everything, travel agencies are not responsible for compensating accidents caused by tourists' own responsibilities. " After reading the official tips from Shenyang Cultural Market Comprehensive Law Enforcement Corps, do you feel the importance of travel safety and travel accident insurance? Next time you travel, you must remember to buy a travel accident insurance for yourself! At the same time, we should also pay more attention to travel safety. After all, we must be safe and not lazy in order to travel happily!

Producer/Wang Xuedong

Audit/Li Huahui Related Questions and Answers: Where can I buy travel accident insurance? It only takes 3 days.

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hello! It is inevitable that some unexpected risks will occur on the way to Tianzhu Mountain for three days. In order to fully protect the personal and property safety of your trip to Tianzhu Mountain, it is wise to choose the appropriate travel accident insurance before you leave.