What is the accident insurance in the travel contract, and how to determine the insured amount and compensation amount of the travel accident insurance?

According to the regulations of the National Tourism Administration, travel agency liability insurance must be insured by travel agencies, and tourists can enjoy the rights and interests of this insurance as long as they participate in tourism activities organized by travel agencies. For travel accident insurance, the travel agency is only responsible for recommending it to tourists, and it is not mandatory to buy it. The specific insured amount and number of days are also decided by the tourists themselves. The maximum compensation for accidental injury insurance is 6.5438+10,000 to 300,000 yuan for domestic travel and 300,000 to 500,000 yuan for overseas travel. Experts pointed out that tourists often think that as long as the travel agency has insured the travel agency liability insurance, no matter what the problem is, they can find an insurance company. Actually, it's not. In case of unexpected situations during travel, the travel agency only bears part of the responsibility; Travel agencies are not responsible for accidents during free travel; On the way to see the scenic spots, the tour guide warned that the travel agency was not responsible for the accident. Therefore, it is also necessary to choose to insure a travel accident insurance when traveling. After purchasing travel insurance, if you encounter accidental injury, you should report it to the insurance company in time. First of all, notify the insurance company as soon as possible within the prescribed time limit, which depends on the local traffic conditions and communication level at that time. There are 24 hours, 3 days, 7 days and other regulations. Informants can be the insured himself, the beneficiary, the insured, the relatives of the insured, the unit where the insured works and other personnel. The report can be made orally, by telephone or by letter. In addition, the insured or its beneficiary must claim the insurance money from the insurer within the claim period stipulated in the insurance contract. After the insured suffers accidental injury, he can sometimes ask the insurer to pay the insurance money immediately, such as the accidental death of the insured; In most cases, the insured can only determine the degree of disability or medical expenses after a period of treatment. Pay attention to the provisions of the insurance contract when making claims. The accidental injury insurance clauses stipulate the time limit for the insurer to bear the insurance liability. As long as it is within this time limit (usually 3 months to 1 year), the right to claim compensation will not be lost.