How to pay for travel accident insurance

With the improvement of people's living standards, more and more people choose to travel during holidays. Therefore, it is very important to buy a suitable travel accident insurance. So what is the compensation scope of travel accident insurance? Taking out travel insurance can not only make economic compensation for unexpected events such as forgotten luggage and flight delay, but also get insurance compensation in case of personal accidents and external emergencies, so as to relieve the economic pressure that oneself and the surrounding family members will face soon and reduce the impact of accidents on normal life.

1. What is the compensation scope of travel accident insurance?

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The types of insurance involved in holiday travel mainly include personal accident insurance, traffic accident insurance and travel accident insurance. Generally speaking, the loss in travel usually belongs to the compensation scope of travel accident insurance. General insurance policies only cover general insurable accidental injuries, and high-risk sports that young people like are not covered by travel accident insurance. If you want to take out insurance, you can take out insurance in an insurance company. The so-called special insurance accidental injury refers to the accidental injury that is not insured in terms of insurance principle, but generally not insured by the insurer. It can only be insured after the applicant and the insurer reach a special agreement, and sometimes an extra premium is charged.

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In addition, the compensation scope of travel accident insurance also includes a special kind of insurance accidental injury, including four situations: first, the accidental injury caused by war to the insured; 2. The insured suffers accidental injuries in strenuous sports activities or competitions such as mountaineering, skydiving, skiing, racing, boxing, drifting and wrestling; The third is the accidental injury caused by nuclear radiation; Fourth, accidental injuries caused by medical accidents (such as doctor's misdiagnosis, pharmacist's medication error, injury during examination, wrong surgical site, etc.). Insurance experts remind consumers that in the face of any of the above risks when traveling, they can consider special underwriting.

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It should be noted that according to the different insurance liability items of claims, the materials required for claims submitted by customers are also different. Anbang insurance experts reminded consumers that when submitting insurance claims, they should attach an accident description, including the cause, time, place and course of the accident. If it is handled by the traffic police and other departments, relevant processing materials shall be provided; If the occupational classification of the insured changes during the guarantee period, it should inform the insurance company in time, otherwise the insurance company can refuse to pay compensation or reduce the amount of compensation; If the insured's intentional behavior, criminal behavior, drunk driving and other exclusions occur at the time of the accident, according to the provisions of the insurance contract, the insurance company is generally not responsible for compensation.

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Second, you should pay attention to four points when buying travel insurance.

First of all, travel liability insurance does not protect tourists from "accidents". Some tourists who travel with a group believe that as long as the travel agency has insured the travel liability insurance, no matter what happens, they can claim compensation from the insurance company. In fact, when traveling, you should buy travel insurance accident insurance for yourself and your family to increase your protection.

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Secondly, the amount of travel insurance purchased overseas is not as high as possible. When traveling to the United States, Singapore, Japan and other countries with high medical expenses, the insured amount of medical insurance shall not be less than 200,000 yuan; Travel to Thailand, Malaysia and other countries, if the trip is short, the insurance coverage of medical insurance is about 654.38+10,000 yuan.

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Third, the insurance period should match the travel time. If the travel itinerary changes, passengers should adjust the coverage period of the selected insurance; In case of travel delay or cancellation, passengers should ask the airport or airlines and other departments for written proof of flight change and other related information so as to claim compensation from the insurance company in the future.

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Finally, after the accident, you may not get full compensation. In addition, many travel accident insurances "exempt" high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping and surfing. Therefore, when choosing travel insurance, tourists should pay attention to whether the travel insurance introduced by insurance companies has restrictions on item-by-item liability payment.