The group travel is signed with Ping An 1 plus 1 plus 8 accident insurance, what are the terms and c

Hello! The grass grows and the warbler flies, a lot of scenery has brewed its fragrance, the holiday is coming as scheduled, and it is necessary to take precautions before traveling, and the planning of travel accident insurance is very necessary.

Precautions for applying for travel accident insurance.

1.Fill in the insurance policy truthfully: Fill in the insurance policy online must be filled in correctly, so as not to fill in the wrong information but the insurance company refuses to pay when the insurance company is out of danger, resulting in unnecessary losses.

2.See the terms of the insurance clearly: Many policyholders only know that the tour group ** has purchased travel insurance but do not know the scope of responsibility of the insurance, and they are confused and insured without figuring it out.

3.Not the more insurance, the better: choose a certain number of insurance types to insure, you will naturally have more protection, but it is not wise to overpay the premiums of travel medical insurance if you have more insurance than you insure.

4.If there is an accident, you should be notified in time.

There are a variety of travel accident insurance products available, and you can choose the right travel accident insurance product for you according to your needs.

Travel accident insurance belongs to the category of "specific accident insurance" in accident insurance, which is a life insurance that pays insurance benefits based on the death or disability of the insured due to accidental injury during a business trip or travel, or other items within the scope of coverage.

If you don't know how to configure insurance, you can take a look at this article "How to buy insurance?" These routines must be avoided

The following conditions must be met for the accident to be constituted here:

1.It occurs suddenly, i.e., 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.

2.Accidents occur, i.e., accidents that are not anticipated and unintentional by the insured.

3.Caused by external causes, that is, accidents caused by external causes of the insured's body.

The difference between travel accident insurance and ordinary accident insurance

Compared with accident insurance, travel accident insurance is a more targeted travel insurance.

While there is a lot of overlap between the two, general accident insurance usually provides more singular coverage.

The duration of ordinary accident insurance can be as long as 1 year, and as short as a few days.

Most travel accident insurance is time-sensitive and generally corresponds to the travel time.

In addition, general accident insurance covers death, disability, accidental injury medical treatment, accidental hospitalization allowance, etc.

Travel accident insurance also adds coverage for emergency medical evacuation, repatriation expenses, personal luggage, trip cancellation, trip delay, curtailment of travel, personal money and documents, and personal liability.

Daddy concluded

Travel accident insurance is actually very easy to understand, and we know that you can only apply for insurance if you have an accident while traveling.

Therefore, Daddy recommends that you must buy an insurance for yourself when you travel.

Travel accident insurance refers to a kind of insurance in which the insurance company compensates the insurance money according to the insurance contract when the insured has an accident during a business trip or travel during the insurance period, resulting in the death or disability of the insured, or other accidents within the scope of insurance.

Travel accident insurance provides personal accident protection, medical expense protection, personal belongings protection, personal legal liability protection, etc., which is comprehensive and diverse, which is very suitable for travelers to purchase one before traveling. It is recommended that you purchase a travel accident insurance to protect your trip. This type of insurance is generally for a short period of time, ranging from one day to one week, and is intended for tourists and is voluntarily purchased by tourists.

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

Tourist accident insurance is a liability insurance, tourist accident insurance is a life insurance, the two are different for the aftermath, tourist accident insurance is for the organization or individual to bear the responsibility to underwrite, and tourist accident insurance is to travel Hong Qingke personal underwriting object.

You can have as many copies, ** depends on the number of days, and the file is like our company to help you buy a 200,000 yuan ant type, about 10 yuan a day.

766 Travel Network.

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.

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

Hello, I received your question, in the inquiry, please wait.

Accident insurance, also known as personal accident insurance, refers to the insurance in which the insurance company pays the insured or beneficiary the insurance money in accordance with the contract when the insured suffers an accidental injury within the insurance period, resulting in death or disability.

An accidental injury must meet four elements at the same time to be established: external, sudden, unintentional, and non-disease.

Questions. Accident insurance for life.

The scope of accident insurance is divided into three types: 1. Death benefit: If the insured dies due to an accident, the insurance company will give the guarantee according to the provisions of the contract.

The death benefit is a full payment. 2. Disability payment: If the insured is disabled due to an accident, the insurance company will give the guarantee according to the contract.

Disability benefits are paid in partial installments. 3. Medical payment: If the insured pays medical expenses due to an accident, the insurance company will pay compensation according to the provisions of the contract.

Accident medical insurance is not covered separately, and if you want to be reimbursed for medical expenses, you need to add accident medical insurance to the main plan.

Questions. Ping An has a financial insurance that points out that accident insurance refers to accident insurance in life.

Accidents in life do not include traffic accidents, only for life accidents.

Questions. Accident insurance only covers life, which refers to those aspects of life.

Please give us an example.

I can think that in addition to traffic accidents, other accidents are considered life accident insurance. Accidents in life: such as falling and being injured, bumping, cat scratching and dog bites, etc.

An accidental injury must meet four elements at the same time to be established: external, sudden, unintentional, and non-disease.

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Compensation for death from personal illness and acute disease; medical expenses incurred for injuries and acute illnesses**; Expenses for the disposal of the death or repatriation of remains; Compensation for the loss, damage or theft of baggage carried by the tourist; Indemnification arising from third party liability.

The coverage of general "Travel Accident Insurance" is roughly divided into:

1. Personal accident benefit, a pre-agreed amount is given due to death or permanent disability caused by an accident.

2. Medical expenses are covered by medical expenses incurred due to accidents during the trip. Most travel insurance policies only cover medical expenses caused by accidents, but there are a few policies that also cover medical expenses incurred due to illness during the trip.

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

4. Personal legal liability protection, the protection of the insured person who is required to recover compensation for personal ** or property damage to a third party due to negligence during the trip.

The coverage may vary as the terms of the policy may vary from one insurance company to another.

Overseas travel accident insurance refers to "overseas travel personal accident insurance", yesA type of personal accident insurance

Insured Conditions:

The Insured Person shall be a natural person who is at least one year old (as defined in Article 1) to seventy-five years old (including one year old and seventy-five years old), in good health, able to work or live normally, participating in tourist groups or traveling outside the People's Republic of China on his own.

The insured person shall be:

The insured himself with full capacity for civil conduct and other persons who have an insurance interest in the insured. or organs, enterprises, institutions and social organizations that have an insurance interest in the insured.

The travel accident insurance is related to factors such as your actual travel area, and it varies from dozens of dollars to hundreds of dollars. You can compare and choose the right travel accident insurance based on your actual travel area situation with an insurance company or a specialized insurance platform. It is relatively cheap to apply for travel accident insurance online.