The difference between personal travel accident insurance and travel insurance

1. The protection content of personal travel accident insurance and travel insurance is different. Travel insurance is mainly for the legal liability of the travel agency due to negligence or negligence, and is not covered if the tourist himself has an accident. Personal travel accident insurance is mainly to compensate the insured after an accident occurred during the trip, it has nothing to do with the travel agency, regardless of whether the travel agency compensates, the insured can get compensation from the insurance company.

2. The restrictions are different. Travel insurance mainly includes two types of insurance: travel liability insurance and travel accident insurance, of which there is no age limit for travel accident insurance, as long as the accident occurs within the specified scope of the itinerary arranged by the travel agency, you can get compensation; There is an age limit for personal travel accident insurance, but the scope of compensation will be relatively wide, not limited to accidents that occur in the itinerary arranged by the travel agency, but also include insured accidents in self-guided travel, and the insured can also get compensation.

3. The mandatory purchase is different. Travel liability insurance is an insurance that the state mandates travel agencies to underwrite, while personal travel accident insurance is for consumers to decide whether to buy according to their own needs.

To sum up, personal travel accident insurance and travel insurance are mainly different in terms of protection content, restrictions and mandatory, but it should be reminded that travel insurance is mainly for the loss and injury of tourists caused by the liability of travel agencies, so it is necessary to buy an accident travel insurance for yourself when traveling.

1. Insurance liabilities are different. As mentioned above, travel liability insurance is an insurance that the state requires travel agencies to have, and travel personal accident insurance is specifically designed to protect the personal safety of tourists themselves, which is a type of personal insurance.

2. The policyholders are different. The policyholder of travel liability insurance is a travel agency, and the premium is paid by the travel agency and included in the cost. The policyholder of travel personal accident insurance is the tourist himself, and the travel agency only collects the premium, which is equivalent to the first person.

3. The insured is different. Travel liability insurance is mainly for travel agencies, that is, if a tourist has an accident risk during the trip, then the insurance company has to pay the insurance money to the travel agency, and the travel agency uses this to pass on the economic risk. The insured of travel personal accident insurance is mainly tourists, so in the event of an accident risk, the insurance company will pay the insurance money directly to the beneficiary.

To sum up, although travel liability insurance and travel personal accident insurance are different in terms of responsibilities and coverage, the two are complementary to each other, and their purpose is to provide tourists with peace of mind and do not conflict with each other.

Test your anti-risk index, experts will interpret it for you for free!

Personal travel accident insurance** is generally lower, but can effectively transfer risk in the event of an accident. Travel accident insurance has the characteristics of low premium and high protection, generally speaking, the length of the trip, the amount of coverage, the scope of coverage and other factors will have an impact on the premium of travel accident insurance. Of course, travel accident insurance is not the cheaper the better.

Taking the scope of protection as an example, since accident insurance is only responsible for accidents within the scope of protection, some cheap accident insurance products will reduce the coverage by narrowing the coverage, but the protection of accident insurance will also be greatly reduced. At present, there are two kinds of travel accident insurance provided on the market, such as overseas travel insurance and domestic travel insurance, if you buy a one-week protection of domestic travel accident insurance, it only takes about a few dozen yuan, and the ** of overseas travel insurance is usually slightly higher than that of domestic travel insurance.

How much money you need to spend to buy travel accident insurance still depends on the needs of each person, ordinary sightseeing can choose ordinary travel accident insurance, if the travel includes high-risk sports, you should buy products that can cover high-risk sports, and the premium will be relatively expensive.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Travel is not only a fad, but also a way to relax. However, there are many risks involved in traveling, and purchasing a suitable travel personal accident insurance in advance can help you avoid travel risks. What is Travel Personal Accident Insurance?

Travel personal accident insurance refers to the insurance liability that the insurer shall bear if the insured dies or becomes disabled due to an accident on a business trip or travel during the insurance period, or other protection items within the scope of insurance. Here are a few things you need to pay attention to before you apply for insurance:

1.Choose travel insurance according to the risk of travel activities, and if it includes high-risk sports, it is recommended to choose a product that can cover high-risk sports.

2 It is very important to read the coverage of the insurance, what is covered and what is not, especially the exclusion clause.

3 The insurance amount must be purchased sufficiently, so that you can really rest assured.

4 Pay attention to the purchase of convenient and fast travel insurance, travel is supposed to prepare a lot of things, if you spend too much time on the purchase of insurance, it is equivalent to consuming a lot of time costs, people are also very tired, not very cost-effective. In the insurance on the insurance, the products are abundant, and the insurance is simple and convenient. To apply for travel personal accident insurance, you must choose a formal insurance platform.

By taking out travel personal accident insurance, there is not only a lot of choice, but also an affordable premium. "Travel in China" domestic travel insurance (online version) coverage content: * accidental death and disability 100,000 * accidental medical treatment 10,000 * accidental daily hospitalization allowance of 100 yuan as low as:

Starting from 5 yuan, the second coverage of the Meiya "Travel in China" domestic travel insurance plan includes: * accidental injury, death, disability and burns 300,000 yuan* medical insurance 40,000 yuan (including illness) * daily hospitalization allowance 50 yuan as low as: 30 yuan per day.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Travel personal accident insurance refers to the insurance during the insurance period of travel accident insurance, in which the insured pays the insurance money agreed upon by the insured in accordance with the insurance contract due to the death or disability caused by an accident during the trip, or the medical expenses incurred due to other protection items within the scope of the insurance.

Travel personal accident insurance claims must meet the following three conditions:

1. Accidents;

2. Caused by external reasons;

3. There is a direct relationship between the cause of the accident and the result of the injury.

Test your anti-risk index, experts will interpret it for you for free!

Interpretation: refers to the insurance liability that the insurer shall bear for the death or disability caused by an accident on a business trip or travel during the insurance period, or other protection items within the scope of insurance.

Conditions for travel accidents:

1. Accidents, i.e., unexpected and unintentional accidents of the insured;

2. Accidents caused by external causes, that is, accidents caused by external causes of the insured's body;

3. Sudden occurrence, that is, there is a direct relationship between the cause of the accident and the result of the injury, and the injury is caused in an instant, and it is too late to prevent it.

Hello, travel insurance includes two types of insurance: travel liability insurance and travel accident insurance.

Travel liability insurance is an insurance that the state mandates travel agencies to underwrite, however, this type of insurance is only for the positive liability of travel agencies due to negligence or negligence, and is not covered if the tourist himself has an accident.

Travel accident insurance covers personal injury caused by accidents during travel. It can be seen that when traveling abroad, travel liability insurance cannot replace travel accident insurance.

Specifically, at present, there are several types of travel accident insurance that individuals can insure in China, including travel accident insurance, personal travel accident insurance and travel rescue insurance. Among them, there is no age limit for travel accident insurance, but it must be an accident during the itinerary arranged by the travel agency to be covered by the compensation. Personal travel accident insurance, on the other hand, has an age limit, but the scope of coverage is not limited to the itinerary arranged by the travel agency, even if the insured accident occurs during the self-guided trip, the person concerned can also be covered.

Hello! Travel insurance includes travel liability insurance and travel accident insurance, and some accident insurance can also cover travel accidents, which have similarities and differences.

If you are traveling, ordinary accident insurance can cover the risks encountered during the trip, but a special travel accident insurance is specifically designed to cover the items of travel, so it is up to you to choose.

Hope it helps! If you have any other questions, please feel free to contact me!

Does travel insurance refer to travel accident insurance? It is the protection when leaving the place of residence, traveling or going on a business trip, and the accident insurance should refer to the comprehensive accident insurance, which is usually bumped into the insurance. Let's take a look at Lerong.com, there are travel insurance and accident insurance.

The responsibilities are the same, the scope is different, the former refers to the travel period, the general length is short, the protection is large, and the premium is low. The latter generally lasts for one year, has average coverage, and has high premiums.

Travel insurance refers to the accident insurance of your travel, including domestic and overseas travel insurance, accident insurance but not necessarily overseas travel insurance, because there is no rescue agency involved in overseas accident insurance;

You can go to Lerong to take a look on the Internet, these insurances you said are sold! Netizens prefer to choose the place where to buy insurance.