Those types of travel accident insurance you don’t know about! How can you buy the right product without understanding it first?

What are the types of travel accident insurance?

Travel Personal Accident Insurance

A pre-agreed amount is given to those who have personal accident insurance due to death or disability caused by sudden events during travel.

Travel medical insurance

Medical expenses caused by accidents during travel are included in this insurance. Travel medical insurance guarantees that tourists can enjoy medical assistance wherever they travel.

Travel personal property insurance

If a tourist’s personal property is lost or stolen due to accidental circumstances during travel, you can receive compensation from this insurance.

Travel third-party liability insurance

Third-party liability insurance guarantees compensation for third-party casualties or property losses caused by the policyholder’s negligence.

The protection content of travel accident insurance

The protection scope of general "travel insurance" is roughly divided into four parts:

(1) Personal accident protection ,

(2) Medical expense protection,

(3) Personal property protection,

(4) Personal legal liability protection.

Personal Accident Benefit

A pre-agreed amount is paid due to death or permanent disability caused by an accident.

Medical Expense Protection

Medical expenses incurred due to accidents during the trip. A complete travel insurance should include "international medical support" services. In the event of a serious accident abroad, the insured can enjoy the services of an international medical team; such as emergency medical evacuation or repatriation to the place of origin. Most travel insurance policies only cover medical expenses caused by accidents, but a small number of policies also cover medical expenses caused by illness during the trip.

Personal property protection

Protects you from financial losses caused by accidental damage or theft of property while traveling.

Personal legal liability protection

Insured is protected against claims for personal injury or property damage caused by negligence of a third party during the trip. Since the policy terms issued by different insurance companies may be different, the coverage may vary.