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Data:2009-12-12 2:34
Every holiday, short vacation, most people would take the bus, because Hangzhou has implemented mandatory seat passenger liability insurance, some people feel no need to pay an extra 12 yuan to purchase passenger personal accident insurance. In fact, the accident insurance and liability insurance although it is equally a security function, but the two have a great difference. When people travel, but also accurately select the "protective umbrella."
Only a handful of passengers to buy accident insurance
51 Golden Week, Hangzhou Long-distance passenger transport into the peak period, Bus Station, North Station, the postal savings consignment tickets purchased before the window people are doing it. But are willing to pay an extra 12 yuan to purchase personal accident insurance for passengers who travel less. The Qijubeizhan, one ready to go home Anji Mr. Li rejected a 1 yuan for accident insurance. He said that the ticket includes insurance, buy a waste. "Besides, to Anji less than two hours, will be What's the matter?" He asked.
A Postal Savings consignment window staff told reporters that the initiative to buy accident insurance to very few. Some ticket buyers that the ticket already includes insurance, If there is personal injury, passenger liability company, it seems no need to pay an extra 1 yuan or 2 yuan to buy a passenger personal accident insurance. "Passenger accident insurance is voluntary purchase, we are just a reminder." Staff said the postal savings.
Accident insurance and liability insurance a difference
"In fact, these two kinds of insurance can not be one thing, one of which is liability insurance, insurance, transport enterprises objects, another is a personal accident insurance, insurance, targeting passengers." CPIC Life Zhejiang branch of the relevant person in charge to explain , transportation companies bear the responsibility for security of passengers, once the passengers because of his responsibility on the operator caused the accident, accidental injuries, it will compensate passengers, in order to reduce this risk, transport enterprises will be the responsibility of the risk of "transfer" to the insurance company, once the Chuxian, by the insurance company will pay, but payment is premised on whether the operator responsible for the accident. If it is not operator's responsibility, passengers will be exempt from payment.
According to the passenger personal accident insurance voluntarily purchased by passengers, Hangzhou, the long-distance transport ticket window are for sale. General insurance premium is not high, 1-2 yuan, the amount could reach 50000 and 10 million passengers ride the course once an accident, regardless of whether the operator's liability, the insurance company paid directly to the passengers. Liability insurance and personal insurance in the payment when there is no mutual "offset" issue.
Selecting the right travel accident insurance
As insurance products are relatively professions who reminded the public not only want to buy travel accident insurance, but also "the right medicine," select the appropriate accident insurance products.
According to reports, Hangzhou, travel accident insurance is now available for a larger choice. Traveling public, if a domestic travel, there are 10 yuan per person, the insurance period, insurance products, including accident, medical and other risk protection, the total insurance amount of 15 million; outbound travel has 20 days period, the premium per person 30 yuan of insurance products, including accident, medical and other risk guarantees totaling 300,000 yuan.
In addition, for outbound travel of members of the public launch of Hangzhou, some insurance companies outside of accidental injury and emergency insurance cover outbound tourism, business visits, academic exchanges, visiting relatives and friends in such areas, covering two broad categories of insurance liabilities: In addition to accidental injury outside the protection of , but also has a number of overseas emergency services and support functions. Some products also broke the travel accident insurance "first pay, after the claims," the mode of operation, where the responsibilities that occur outside the scope of the emergency relief assistance company costs related to direct payments, thus avoiding the rescue of consumers due to lack of funding missed treatment opportunities.
