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Data:2009-12-12 2:34
Experts suggest the most cost-effective to buy accident insurance
"11" Golden Week is coming, coupled with the Asia-Pacific City Summit of the holiday, many people do have a family plan to travel, therefore, away from home to buy copies of the insurance Recently became a public issue of special attention .
Reporter: people left on tours or package tours, either on their own to go to a group tour, visitors are generally bought by travel agents on behalf of the insurance, then the people traveling on their own how to buy insurance?
Insurance experts: If you are with the tour groups, travel agents, tourists have generally cast their travel agent liability insurance, but the travel accident insurance, travel agents, but recommended to tourists is not compulsory purchase. Travel agent liability insurance cover is their own fault due to travel to the damage caused by tourists, such as travel arrangements for the means of transport, meals, accommodation and other causes of loss; and a variety of external accidents, such as natural disasters, such as mountain crack, earthquakes, floods and other damage, travel agencies and insurance companies are not responsible for compensation. Purchased by tourists voluntary personal accident insurance, the scope of protection will be covered by force majeure such as natural disasters and the losses caused by the purchase of travel accident insurance, is tantamount to giving him a place on a "double insurance." The best self-tour tourists to buy travel insurance, personal accident injury. When the passengers due to accidents, acute severe Erzhi own death, disability or loss of bodily functions, the insurance company to pay insurance premiums according to different standards, and medical expenses.
Reporter: Some people have bought a number of insurance accident insurance, whether the companies have been claims?
Insurance experts: If the people applying for the medical expenses of the claims, the insurance company in accordance with the principle of compensation, payment of medical insurance payments will not exceed the total actual expenditures for medical expenses. According to this principle, the public can choose which company first in reimbursement and, if left again several other insurance companies to apply. If you apply for the disability or death insurance loss adjuster, individual insurance companies will follow the amount of insurance you are insured by the terms of treatment, respectively.
Reporter: The long holiday period, the choice is also a lot of people travel abroad, is there any specific overseas travel insurance?
Insurance experts: If it is for outbound tourism, it is recommended choices are outside the emergency services, insurance products. In this way, once the accident, the insured through the insurance company launched an emergency rescue systems, "self-help." At present, China Life Insurance branch opened in Chongqing "National Shou Chinese citizens outside the accident and emergency insurance" have this feature. Validity period of the contract, the insured person travel outside of China suffered an accident or suffering from sudden illness, the company authorized by a doctor outside the organization will be based on their professional knowledge to the insured to provide medical advice, and confirmed that the insured person needs Following an emergency rescue to provide relief assistance.
