From September 1, 2001, the National Tourism Administration no longer compelled travel agencies to purchase travel accident insurance for tourists. In order to obtain more perfect protection, it is recommended that tourists can contact insurance companies themselves or contact insurance companies through travel agencies to insure their own needs. travel insurance. At present, most insurance companies operate the following types of travel insurance:
Travel assistance insurance:
The China Travel Insurance, China Pacific Insurance Corporation and the International (SOS) Rescue Center jointly launched tourism assistance insurance, which expanded the original tourism personal accident insurance services and extended the general insurance claims of traditional insurance companies to become accidents. Provide timely and effective relief.
Travel assistance insurance:
This kind of insurance is very suitable for traveling abroad. With its guarantee, if an accident occurs or the tourist disputes cause legal disputes due to the absence of local customs laws and regulations, just make a phone call and you will receive free help.
Travel Accident Insurance:
When passengers purchase tickets and ferry tickets, they actually have already taken the insurance. Their premiums are calculated based on 5% of the fare. The insurance amount for each insurance is 20,000 yuan, of which the medical insurance for accidents is 10,000 yuan. The insurance period begins when the ticket is checked in or stops on the train, and the ticket is taken out of the station or departed and disembarked. If the passenger is killed, disabled, or loses physical function due to an accident during the validity period of the insurance, the insurance company shall pay medical expenses in addition to the regulations. In addition, full, half or part of the insured amount must be paid to the wounded or the family of the deceased.
Tourist Accident Insurance:
Now most insurance companies have already established this type of insurance, with a premium of 1 yuan per insurance, an insurance amount of 10,000 yuan, and a maximum of 10 insurances at a time. This insurance is more suitable for adventure tours, ecotourism, thrill rides and more.
Accommodation passenger life insurance:
Each premium of this insurance is 1 yuan, and more than one can be invested at one time. Each insurance liability is divided into three aspects: one is the accommodation passenger insurance premium of 5,000 yuan, and the second is the accommodation passenger's courageous insurance of 10,000 yuan, and the third is the passenger's personal belongings. The compensation for the accidental damage or theft is 200 yuan. During the insurance period, the insurance company is lost due to accidents, external attacks, murders, or death, disability, or loss of bodily functions or theft, robbery, etc. of personal belongings or other people’s lives and property to protect their safety. Pay the insurance premium according to different standards.
Travel in groups -----Travel agencies should bear the responsibility of insurance
On September 1, last year, the “Regulations on Liability Insurance of Travel Agency Insurance Travel Agents†was implemented nationwide.
The Provisional Regulations on Travel Accident Insurance for Travel Agencies issued in 1997 was repealed at the same time. According to regulations, travel agencies must insure travel liability insurance, and travel accident insurance has become tourists' voluntary purchases.
According to the "Legislation Regulations for Travel Insurance Travel Insurance Liability Insurance", travel agencies shall assume the following responsibilities for insurance coverage:
Tourists’ liability for personal injury;
Tourists' Death Treatment and Repatriation Costs Responsibility;
Tourists’ liability for transportation and medical expenses due to treatment expenses;
The necessary rescue expenses for tourists, including the reasonable transportation and accommodation expenses incurred by close relatives when necessary, the return fees for accompanying minors, and the travel and accommodation expenses traveled by travel agents and medical staff. Delay the liability for reasonable expenses incurred;
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