What is the scope of travel insurance?

Unforgettable travel is one of the important ways for many people to enjoy life, but travel risks will threaten the safety of tourists' lives and property. Therefore, many tourists will buy travel insurance. So, what is the scope of travel insurance?

1. What is the scope of travel insurance?

The general scope of "travel insurance" can be roughly divided into four parts: (1) personal accident protection, (2) medical expenses protection, (3) personal property protection and (4) personal legal liability protection. If you are an expert, the coverage of travel insurance includes accidental medical expenses, personal accidents, emergency medical transportation, repatriation expenses, emergency rescue, overseas medical expenses in advance and so on.

Personal accident protection provides a pre-agreed amount for accidental death or permanent disability.

Medical expenses guarantee medical expenses caused by accidents during travel. Perfect travel insurance should include "international medical support" service. In the event of a major accident in the field, the insured can enjoy the services of the international medical team; For example, emergency medical transportation or return to the country of origin. Most travel insurance only covers medical expenses caused by accidents, but a few policies can also cover medical expenses caused by illness during the trip.

Personal property protection, to protect the economic losses caused by accidental damage or theft of property during travel.

Personal legal liability guarantee: the guarantee that the insured can get compensation for personal injury or property loss caused by negligence during the journey. Because the terms of policies issued by different insurance companies may be different, the scope of protection may also be different. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Second, the insurance skills of travel insurance protection

Travel insurance should be adapted to local conditions

Travel insurance experts pointed out that travel insurance is a very short-term insurance, and it is a product specially designed for short-term business trips and travel. The applicant is the insured himself, or a legal person organization or individual who has an insurable interest with the insured. The subject matter of insurance is the personal accident of the insured, which may also include property loss, travel delay, lost documents, personal legal liability, etc. Tourism is differentiated by many factors such as travel mode, destination and time, and travel insurance is also very different.

Multiple guarantees of tourism contracts

Compared with free travel, group travel is different because of the intermediary of travel agency and the travel guarantee of travel contract, and the corresponding insurance services are relatively complicated. Travel contract is an important means to standardize the behavior of travel agencies and protect the rights and interests of tourists. Tourists must sign domestic travel contracts or China citizens' outbound travel contracts with travel agencies before traveling. The travel agency here means the headquarters of the travel agency. Branch of a travel agency and travel agency service outlets must sign a contract with tourists in the name of the travel agency headquarters, and affix the official seal of the travel agency headquarters to the contract. Travel liability insurance purchased by travel agencies as policyholders is compulsory insurance. In tourism activities, if the personal and property damage of tourists is caused by the responsibility of travel agencies, liability insurance can be used for compensation. The content of compensation is the personal and property losses of tourists that the travel agency should bear according to law within the compensation period, including compensation for personal injury and death of tourists and medical expenses.

Experts emphasize that liability insurance is aimed at accidents for which travel agencies are responsible. If the travel agency is not responsible, tourists will not get insurance compensation. Therefore, tourists are advised to purchase travel accident insurance by themselves. It is suggested that tourists must attach accident medical insurance when purchasing travel accident insurance. Accidental injury insurance covers death and disability caused by accidental injury, and accidental injury medical insurance covers medical expenses caused by accidental injury. Relatively speaking, the higher utilization rate is the additional accidental injury medical insurance, so when buying accident insurance, don't just insure accidental injury insurance alone. I would also like to remind all passengers that additional insurance can not be insured separately, but can only be added on the basis of the main insurance. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: the latest in 2020! Top ten insurance companies' hot medical insurance list

3. Information required for claims within the scope of travel insurance.

1, claim application; 2. The beneficiary's household registration certificate or identity certificate; 3. The household registration certificate or identity certificate of the insured; 4. A disability certificate issued by a disability appraisal institution recognized by the insurer; 5. Medical certificates and original vouchers of medical expenses issued by hospitals or other medical institutions recognized by the company; 6. Other certificates and materials that the insured can provide to confirm the nature, cause and degree of injury of the insured accident; 7. The death certificate of the insured issued by the public security department or the medical institution recognized by the insurer; 8. If the insured declares death, the beneficiary shall provide the certificate of death declaration issued by the court; 9. Certificate of cancellation of the insured's household registration; 10. Other certificates and materials that can be provided by the beneficiary to confirm the nature and cause of the insured accident.

Bao Ge tip: To sum up, the coverage of travel insurance includes personal accident protection, medical expenses protection and personal property protection, but tourists need to buy travel insurance according to local conditions. In addition, Bao Ge has integrated the travel insurance products provided by many well-known insurance companies on the Internet, and welcomes consumers to make comprehensive comparison and selection. I recommend the following products for your reference.