What are the precautions in AIA travel insurance clauses?

The number of tourists is increasing gradually, and the problem of travel accident insurance is more prominent. Many tourists often ask a lot of questions after a trip. For example, the "travel delay" guarantee shows that aircraft and ships can be compensated if they are delayed for more than 5 hours. Now my trip has been delayed, why can't I get compensation? " ; " Baggage delay' stipulates that if the insured fails to deliver the accompanying baggage eight hours after arriving at the intended destination, he can get compensation. Now my luggage has been delayed, why not pay me compensation? " ; " The item of "medical compensation" clearly states that the insured will receive compensation for medical expenses when he falls ill during the tour and needs necessary treatment in the hospital. Then, many tourists will question the hospitalization during the tour. Why can't they get compensation? "

Experts related to AIA travel accident insurance said that customers should pay attention to the terms and conditions when purchasing travel insurance, and clarify the scope of protection.

First of all, the compensation for baggage delay is the reasonable expenses incurred by the insured in purchasing daily necessities locally.

During the trip, it may be delayed for more than 8 hours due to checked baggage, which brings great inconvenience to customers. At this time, the insurance company will compensate the insured for the reasonable expenses incurred by purchasing daily necessities locally.

AIA experts reminded that if the carry-on baggage (including consignment), the contents of the baggage and the carry-on belongings are stolen, robbed or damaged due to the responsibility of a third party, they should immediately report the case to the local police and explain the incident in detail. With the police report certificate, the insurance company can get the corresponding claims after verifying that it is within the scope of compensation. However, American and Asian insurance experts also remind consumers not to take it lightly because passengers have bought insurance, because the compensation standard of insurance is the appropriate compensation for the insured after economic losses. Therefore, the company's compensation for a single item is generally limited. It is understood that the maximum amount paid by the insurance company now is 65,438 yuan+0,000 yuan. In order to prevent the loss of items from bringing any degree of unhappiness and regret to travel, valuables still need to be carried with you.

Followed by travel delays caused by wars and military operations. Not included in the insurance liability.

Generally speaking, in travel insurance, if the plane or ship is delayed for more than 5 hours due to bad weather, natural disasters, mechanical failure, strike, hijacking or sabotage, and other temporary protests by air transport and shipping workers, the insurance company will compensate the insured according to the corresponding insurance amount stipulated in the insurance contract, but the above insurance liability does not include the delay caused by war and military action. Customers should also pay attention to the exemption clauses of insurance liability, and the insurance company will not be liable for any injury, death, disability or burn caused by the insured due to war, military action, riot and armed rebellion.

Third, pre-existing diseases and injuries are exempted from liability.

Insurance experts in the United States and Asia said that in travel insurance, "medical compensation" guarantees the actual medical expenses necessary for treatment due to illness or accident during travel. However, customers should pay attention to the fact that if the injury already exists before the insurance, most travel insurance will list it as a liability exemption.