旅游意外伤害险易被忽略

Travel accident injury insurance to be ignored

　　又到暑期，不少学生会利用假期游历祖国大好河山，却容易忽视购买旅行意外险，其实无论是长线游还是短途游，安全保障应当放在旅行首位。

Again to the summer，Many students use holiday travel good use the motherland，It's easy to ignore buy travel insurance，In fact both long term swim or DuanTuYou，Security should be placed on the first trip。

　　保险专家介绍，一份充足的旅游险计划应该包含以下三项。首先是旅游人身意外伤害险，主要针对旅行期间，投保人因意外事故导致身故、烧伤或者不同程度的残疾给予一定赔偿；其次为公共交通意外伤害保险。主要为游客在乘坐交通工具出行时提供风险保障。第三,投保人还应附加意外医疗保险，以保障在旅途中发生意外导致门诊和住院而产生的医疗费用，也能获得相应的赔偿。

Insurance expert introduction，A good travel insurance plan should include the following three。First is the tourist person accident injury insurance，Mainly aimed at the travel period，Because policy-holder is an accident that death、Burns or different degree of disability to give proper compensation；Followed by public traffic accident injury insurance。Mainly for the visitors when on a transport provide risk guarantee。The third,The applicant should also be additional accident medical treatment insurance，In order to ensure the accident on the trip in outpatient service and be in hospital and produce medical costs，Also can obtain appropriate compensation。

　　而即使是参团游，意外伤害险不可少。根据相关规定，旅行社必须投保旅行社责任险，游客一旦参加旅行社组织的旅游活动，就可享有该项保险的权益。但其承保的只是因旅行社自身过失对游客造成的损失，而对于各种外来的意外事件，如景区的过失、搭乘交通工具时发生的意外伤害等，只要旅行社无直接责任，均不属于旅行社责任险赔付范围。

And even CanTuan swim，Accident injury insurance cannot little。According to relevant provisions，Travel agency must cover travel agency liability insurance，Once the tourists in the travel agency tourism activities，Can enjoy the insurance rights and interests。But its accept insurance of travel only because their own fault for the loss caused by tourists，And for all kinds of foreign accident，Such as the fault of the scenic spot、Take traffic tools happen when accident harm, etc，As long as there is no direct responsibility travel agency，Both are not travel agency liability insurance compensation range。

　　此外，游客最好为自己购买一份旅游意外伤害险。这类保险游客既可自行选择保险公司购买，亦可通过旅行社代为办理，保险公司与旅行社的赔偿责任不重合。

In addition，Visitors the best buy a travel accident injury insurance。This kind of insurance visitors can not only choose to buy insurance company，Also through travel agency to be dealt with for you，The insurance company and the travel agency the liability to pay compensation don't coincide。

　　支招：根据出游时间长短选择投保险种

support：According to the length of time of travel choice insure is planted

　　保险专家提醒，很多客户对于购买意外保险存在一个误区，认为是保额越高越好，其实不然。如出游的时间很短、旅行途中相对安全并且距离不是很远，则可以选择天数短、保额较低的保险；如出游的时间很长、又是自驾游且旅行途中不确定的因素较多，则建议选择天数长、保额较高、保障全面并且能够提供救援服务的保险。

Insurance experts remind，Many customers to purchase accident insurance there is a misunderstanding，Think the forehead is the better，Actually otherwise。Such as the travel time is very short、The trip relatively safe distance and not very far，It can choose short days、The lower insurance coverage；Such as travel time is very long、Is ZiJiaYou and the trip of uncertain factor is more，It is suggested that choose long days、Higher amount、Security comprehensive and can provide relief services of insurance。

　　市民出游投保旅游保险时，要充分考虑购买保险的保障期限，根据自己的行程确定所需投保的天数和保额，为自己选择一份量身订制的保单。

Citizens to travel insurance travel insurance，To fully consider to buy insurance guarantee deadline，According to their own travel to determine the number of days required insurance and coverage，To choose for themselves a quantity body custom insurance policies。

　　同时为了更好地保障自己与家人的安全，对有可能引发的风险进行规避，保险专家建议消费者还可以考虑一些保障全面、投保简便的意外险产品，例如可与寿险主险搭配购买的险种，又或是一些综合意外伤害及医疗保险计划，若遇到意外伤害等情况，可根据保险合同约定获得相关的医疗补助与赔付。

In order to better protect the safety of the with their family，On may lead to avoid the risks，Insurance experts suggest that consumers can also consider some security comprehensive、Simple casualty insurance products，For example and the risks of tie-in buy life insurance coverage，Or some comprehensive accident harm and medical insurance plan，If meet accident harm, etc，But according to insurance contract access to relevant medicaid and compensation。

　　而近两年由于在多个出境游目的地国家发生以游客为目标的抢劫等事件，给游客成了严重的人身伤害，保险专家建议：准备出境游的旅客，最好选择有境外紧急救援服务的保险产品。

And in the past two years, with multiple outbound tourist destination country happen to visitors for the goals of the events such as robbery，To give visitors into serious personal injury，Insurance expert advice：Ready to clean the passengers，Had better choose to have outside the emergency services of insurance products。