Travel accident insurance coverage, travel accident insurance compensation standards

When the insured encounters an accident within the scope of the policy's liability, he or she can directly call the insurance company's customer service to report the accident, and provide the policy number and ID card number when reporting the accident. In addition to providing these contents, the person who was accidentally hospitalized also needs to provide a detailed list of drugs or a list of medical reimbursements, and then hand over these materials to the insurance company together with a copy of the insured's ID card and a copy of the bank card, and the insurance company will evaluate the accident according to the materials provided by the insurer and the content of the contract, and determine the amount of the claim. The amount of the claim is then compensated. In addition to how to pay for travel accident insurance, there are also many people who want to know what the travel accident insurance payment process is, in fact, the travel accident insurance payment process is divided into two ways: domestic and foreign, as far as overseas travel is concerned, taking Ping An as an example, the claim process is as follows, when the tourist who has purchased Ping An overseas medical insurance is out of insurance, if the situation is more urgent, the insured can call Ping An's global 24-hour customer service ** at the first time to explain the situation, If the passenger buys a product that pays the medical premium in advance, Ping An will also pay the medical expenses in advance when the emergency ** is abroad, and then settle the claim afterwards.

Accident insurance coverage.

Different travel accident insurance coverages and coverage.

Not exactly the same, and the payouts in the event of an insured event are also different. Usually domestic tourism.

The accident insurance amount shall not be less than 100,000 yuan, and the inbound and outbound travel insurance amount shall not be less than 300,000 yuan.

The insurance liability of travel accident insurance generally includes: compensation for personal life and death caused by acute illness; 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.

Taking the ordinary domestic travel accident insurance of an insurance company as an example, the premium for 1 day is 8 yuan, and its protection responsibilities are:

1. Accidental injury death and disability: 100,000 yuan (1-70 years old) 50,000 yuan (71-80 years old).

2. Reimbursement of medical expenses for accidental injuries is 10,000 yuan.

3. Medical evacuation and repatriation of 50,000 yuan.

4. The body of the deceased will be returned with 20,000 yuan.

Travel accident insurance from various insurance companies.

The scope of protection and the amount of insurance are not the same, so it is necessary to pay attention to the scope of liability, special services and other aspects before you can choose the right product.

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Travel accident insurance is to protect the insured in the process of travel encountered unintentional, sudden, foreign, non-disease accidents, the resulting losses by the insurance company is responsible for compensation.

Generally, travel accident insurance covers personal accidents, medical expenses, personal property, personal legal liability, etc., which are subject to the terms and conditions of the insurance product.

In addition, each insurance product will have an exclusion scope, which you need to pay attention to when applying for insurance.

The scope of compensation of travel accident insurance shall include the following compensation caused by an accident during the tourist's trip:

1) Compensation caused by death from personal ** or acute illness;

2) Medical expenses incurred for injuries and acute diseases**;

3) the expenses required for the disposal of the death or the repatriation of the remains;

4) Compensation for the loss, damage or theft of the baggage carried by the tourist;

5) Compensation arising from the liability of third parties.

The proportion of compensation for the above-mentioned items in the travel accident insurance for inbound tourism, domestic tourism, and situation tourism shall be agreed between the travel agency and the underwriting insurance company.

It depends on the fact that you have purchased all of them, which can include a lot, 1. Death and disability claims.

2. Accidental medical injury.

3. Accidental hospitalization.

4. Accidental hospitalization allowance.

5. Visiting expenses for family members in other places.

6. The cost of repatriating the remains.

7. Burial expenses in other places.

8. Lost time pay.

9. High-risk accident compensation.

10. Emergency transportation expenses.

11. Referral transportation expenses.

And so on, so it depends on whether you buy all of them, but even if you buy them all, travel insurance is also very cheap. It's only a few dollars a day.

What does travel accident insurance cover? The scope of compensation includes compensation for personal ** and acute death, medical expenses for injury and acute illness**, expenses for death treatment or repatriation of remains, compensation for loss, damage, disassembly or theft of luggage carried by tourists, etc.

Scope of compensation: compensation caused by personal ** and death due to acute disease; medical expenses incurred for injuries and acute travel sickness**; Expenses for the disposal of the death or repatriation of remains; Compensation for the loss, damage or theft of baggage carried by the tourist; For compensation caused by third-party liability, Dongling has specific provisions for inbound tourism, outbound tourism and domestic tourism in accordance with the basic standard of compensation amount of travel accident insurance.

When a travel agency applies for insurance for domestic tourists traveling in China, the insurance amount of each tourist shall not be less than RMB 100,000. When applying for travel accident insurance for foreigners entering the country and Chinese traveling abroad, the insurance amount of each tourist shall not be less than RMB 500,000.

Bao Ge Tips: It is necessary for tourists to understand the coverage of travel accident insurance in order to protect their rights and interests in case of accidents during travel. However, if the insured acts intentionally at the time of the accident and other exclusions, the insurance company is generally not responsible for compensation according to the provisions of the insurance contract.

Summary. 1. Personal accident benefit will be given a pre-agreed amount due to accidental death or permanent disability. 2. Medical expenses cover medical expenses caused by accidents during the trip, perfect travel insurance should include international medical support services, in case of serious accidents in other places, the insured can enjoy the services of the international medical team3, personal property protection during the trip, the economic loss caused by accidental damage or theft of property 4, personal legal liability protection during the trip The insured person is negligent during the trip and the third party personal ** or property damage is recovered.

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

1. Personal accident benefit will be given a pre-agreed amount due to accidental death or permanent disability. 2. Medical expenses protection is the first priority for medical expenses caused by accidents during the trip, and perfect travel insurance should include international medical support services, in case of serious accidents in other places, the insured can enjoy the services of the international medical team3, personal property protection during the trip, the economic loss caused by accidental damage or theft of property 4, the number of personal legal liability protection during the trip, the insured person is negligent in the third party's personal ** or property loss and the protection is recovered. The coverage may vary as the terms of the policy may vary from one insurance company to another.

2. The scope of compensation for travel accident insurance 1, compensation caused by personal **, emergency illness and death 2, medical expenses for injury and emergency illness 3, expenses required for the treatment of death or repatriation of remains 4, compensation for the loss, damage or theft of luggage carried by tourists 5, compensation caused by third-party liability 6, travel insurance generally includes medical expenses, personal accidents, double compensation for accidents, emergency medical evacuation, repatriation costs, personal luggage, luggage delays, Cancellations, delays, curtailments, personal money and documents, and personal liability.

Answer: The compensation scope of travel accident insurance should include the following compensation caused by accidents during the tourist's trip:

1) Compensation caused by death due to personal illness and acute disease;

2) Medical expenses incurred for injuries and acute diseases**;

3) the cost of death treatment or repatriation of remains;

4) Compensation for the loss, damage or theft of the luggage carried by the tourist;

5) Compensation arising from third party liability.

Losses during travel are usually covered by travel accident insurance, general policies only cover general insurable accidental injuries, and high-risk sports that young people like are not covered by travel accident insurance. The so-called special insurance accident injury refers to the accidental injury that is not uninsurable from the principle of insurance, but the insurer generally does not underwrite it, and only after a special agreement between the policyholder and the insurer, and sometimes an additional insurance premium is charged; There is also a special insurance coverage for accidental injuries in the scope of travel accident insurance, which includes four situations; accidental injuries suffered by the insured as a result of war; The insured suffers an accidental injury while engaged in strenuous sports activities or competitions such as mountaineering, skydiving, skiing, racing, boxing, river rafting, wrestling, etc.; Unintentional injuries caused by nuclear radiation and accidental injuries caused by medical malpractice. For more information on how travel accident insurance pays, go to.