What does travel accident insurance cover and what does travel accident insurance cover

Travel accident insurance includes personal accident protection, medical expenses protection, personal belongings protection, and personal legal liability protection.

1) Personal accident protection. A pre-agreed amount of personal accident insurance is given to travelers due to death or permanent disability caused by an accident.

2) Medical expense protection. Medical expenses incurred due to accidents during the trip. A comprehensive travel personal accident insurance should include international medical support services, and in the event of a serious accident abroad, the insured person of the travel personal accident insurance can enjoy the services of an international medical team;

3) Protection of personal property. Covers financial losses caused by accidental damage or theft of property during the trip.

4) Personal legal liability protection. Protection against claims for bodily damage** or property damage to a third party caused by the negligence of the insured person during the trip.

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

Extended information: For citizens who travel collectively with their families, they can purchase a travel accident insurance with the nature of a family card, whether it is a family of three, or a family of two, etc., as long as they are insured, the whole family can enjoy one year of accidental injury, accidental medical treatment, accidental income and other protection.

Some citizens can only go out once a year because they are busy with their daily work, and such citizens can purchase short-term accident insurance that matches the number of travel days through travel agencies or directly from insurance companies according to the way of travel, such as whether they are traveling in a group or on their own.

Self-driving, hiking: It is recommended to purchase comprehensive accident insurance. This type of insurance is not travel accident insurance, but it is usually purchased once a year.

Different from travel accident insurance, this type of insurance covers life, accident, illness, outpatient, hospitalization, surgery, allowance and other multiple protections, for citizens who like to travel by car and on foot, in the process of travel, no matter the accident, illness can get a full range of protection.

Hello, travel accident insurance, as the name suggests, refers to the accident insurance that encounters external, sudden, and non-disease accidents during the travel activities arranged by the travel agency during the contract period. Duration of insurance. Generally speaking, it refers to the beginning of the tourist's departure from the means of transportation provided by the travel agency to the end of the trip.

It is a kind of short-term insurance, which is a short-term compensatory insurance that is voluntarily purchased by tourists, not travel agencies. The content of the package is a family outing:

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 or other items within the scope of insurance during a business trip or travel.

If you don't know how to configure travel accident 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.

Life is getting better now, and travel is increasing. Most trips will be covered with insurance. Then, the dangers of travel accidents include the following information about the dangers of travel accidents, I hope it will be helpful to you.

What does travel accident insurance include(1) Traffic accident insuranceTraffic accident insurance takes the body of the insured as the insurance target, and the insured suffers accident injury, death, disability, medical expenses, etc. while taking public transportation. It mainly includes trains, airplanes, ships, automobiles, subways and other means of transportation. (2) Personal accident insurancePersonal accident insurance refers to an insurance in which the insurance company pays insurance money to the insured in accordance with the agreement between the two parties if the insured dies or becomes disabled due to an accident and incurs medical expenses within the agreed time limit.

Coverage items are divided into death payments, disability payments, medical payments, and cessation payments. (3) Aviation accident insuranceIn aviation insurance, aviation accident insurance is the closest type of insurance to ordinary passengers, with a maximum insurance amount of 2 million yuan. The coverage period is within 180 days from the date of the accident.

Article 11 of the Measures for the Administration of Insurance Terms and Insurance Rates of Life Insurance Companies.

Travel accident insurance includes rescue insurance, passenger accident insurance, travel personal accident insurance, and lodging visitor life insurance. Different travel accident insurance has different insurance liabilities, and users need to choose the corresponding product according to the type and location of the trip. For example, if you are worried about being injured by an accident during travel, you can purchase passenger accident insurance or.

Travel Personal Accident Insurance".

1.Personal accident benefit refers to the amount agreed in the contract due to accidental death.

2.Medical expenses are covered for medical expenses caused by accidents during travel. Generally, travel accident insurance should provide international medical support services. In the event of a serious accident elsewhere, the insured person can avail himself of international medical evacuation services.

3.Personal financial security provides financial security during the travel process. For example, travel accident insurance will provide compensation for unattendance, damage, or theft.

4. Personal legal liability protection refers to the protection of the insured being recovered for the personal or financial losses of a third party caused by negligence. Such as third-party liability insurance in travel insurance.

Specifically, travel accident insurance includes personal accidents, double compensation for accidents, medical expenses, emergency medical transportation, transportation of remains, loss of personal luggage, travel delays, and loss of personal funds.

Travel accident insurance includes: traffic accident insurance, personal accident insurance, aviation accident insurance, etc. Life insurance is an insurance with a person's life and body as the subject matter of insurance, and the policyholder of life insurance shall have an insurance interest in the insured when the insurance contract is concluded.

[Legal basis].Article 2 of the Insurance Law of the People's Republic of China.

The term "insurance" as used in this Law refers to commercial insurance in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the liability to compensate for the property losses caused by the occurrence of an accident that may occur as agreed in the contract, or bears the responsibility to pay the insurance money when the insured dies, is disabled, becomes sick, or reaches the age and time limit agreed in the contract.

Travel insurance generally covers the following aspects: accidental injury, illness, medical treatment, emergency rescue, property damage, trip cancellation, etc.

Accident insurance is the basic coverage of travel insurance, including medical coverage for accidental injury, sudden illness, and hospital admission. In terms of medical insurance, in addition to medical expenses, it also covers the cost of emergency medical evacuation and repatriation**. Emergency rescue includes calls for help and search and rescue operations when trapped in a dangerous environment.

In terms of property damage, travel insurance can cover the damage, loss or theft of property suffered by passengers during their trip, or the additional costs incurred as a result.

The coverage of travel accident insurance is a little wider than that of other types of accident insurance, and travel accident insurance not only provides protection for personal safety, but also protects property safety.

There are four main parts of travel accident insurance, namely personal accident protection, medical expenses protection, personal financial protection and personal legal liability protection. In addition to medical expenses, personal accidents, and double compensation for accidents, it also includes emergency medical evacuation, repatriation expenses, personal baggage, baggage delay, personal money, documents, travel delay, and personal liability.

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