交通意外险保障较全面

The traffic accident insurance security more comprehensive

　　从明年元旦起，所有火车票将不再包含票价2%的保险费用，已经施行了长达61年之久的火车强制保险终于“寿终正寝”。那么今后市民在乘坐火车时的交通意外风险又将如何得到保障呢？对此，保险业内人士表示，目前大部分的交通意外保险都覆盖了乘坐火车的意外保险，而且在时间及保障内容上还可以自由组合搭配，价格也比较实惠。“目前在众多交通意外险种中，有投保期为1年固定期限的，也有投保人随意选择期限的，最短期限为7天。例如，在一些便利店可买到的中国人寿保险公司旅游意外险与交通意外险，其保险期限分别为7天、15天、20天、1年不等，保费低至10元、20元，最高为100元。”

From next year New Year's day up,All train ticket will no longer contain ticket prices 2% of the cost of the insurance,Has been in effect for more than 61 years train compulsory insurance finally"die".So the future citizens by train in the traffic accident risk and how to get security?this,Insurance the personage inside course of study says,At present most of the traffic accident insurance is covered by the train accident insurance,And in time and security content can be free combination collocation,The price also more benefits."At present in many traffic accident in insurance,For a period of 1 year fixed deadline,Also has the applicant to select deadline,The shortest time limit for 7 days.For example,In some stores to buy to the China life insurance company travel accident insurance and transportation accident insurance,Its insurance time limit for 7 days respectively/15 days/20 days/1 years,Premium low to 10 yuan/20 yuan,The highest for 100 yuan."

　　另外，记者也发现，如今还有许多保险公司针对客户的自身需要推出“自由组合式”交通意外保险产品。其中一家财险公司负责人向记者表示，该公司可提供包括航空、火车等各类交通工具在内的12个风险项目的保障选择，保额从10万元至100万元不等，而保险的保障期限也有从1天到1年共7个期限可供选择。“也就是说，投保者如果只是乘坐火车出行，便可单独投保期限为1年，保障额度为10万元的交通意外险，保费为1.65元。”该负责人介绍道。

In addition,Reporter also found that,Now there are many insurance company based on customer's launch their own needs"Free combination"The traffic accident insurance products.One of the general insurance company person in charge told reporters,The company can provide including aviation/The train and other kinds of traffic tools included 12 risk project security selection,From the forehead ranging from 100000 yuan to 1 million yuan,While insurance guarantee period also from one day to 1 year a total of seven time available."That is,If only cases by train travel,Can be arranged separately period for one year,Security line for 100000 yuan traffic accident insurance,The premium is 1.65 yuan."This person in charge said.

　　投保年龄有限制

Insured age limit

　　记者通过比对发现，对于普通市民来讲，每天都会乘坐不同的交通工具，因此综合的交通意外保险更合适。以人保财险的一款交通意外险组合产品为例，其包括航空意外、火车、轮船意外、公共汽车以及单位的公务车、出租车、私家车等保障，以10万元的基本保额来计算，该产品1年所需要缴纳的保费也仅为四五十元。

Reporters found by comparing,For ordinary citizens speaking,Every day on different traffic tools,So comprehensive traffic accident insurance more appropriate.The insurer to property in a traffic accident insurance combination products as an example,Its including aviation accident/The train/Ship accident/The bus and unit officer's car/taxi/Private cars and security,With 100000 yuan basic amount to calculate,This product is 1 year need pay of insurance is only for 40 to 50 yuan.

　　不过，人保财险的保险专家提醒，与铁路强制保险相比，商业保险存在投保年龄的限制，并非全民覆盖。例如，有的保险公司规定交通意外险的投保年龄范围是18—70周岁。投保年龄范围较大的公司，目前可查到的年龄上限为80周岁。也就是说，高龄老人不属于可投保的范畴。

but,Property insurer of insurance experts remind,Compared with the railway compulsory insurance,Commercial insurance for existing age limit,Not universal coverage.For example,Some insurance companies provisions of traffic casualty insurance age range is 18-70 one full year of life.Age range for large companies,At present can be checked to the upper age limit for 80 one full year of life.That is,Old age does not belong to the category of to be insured.

　　作者：沈梦雪

The author:ShenMengXue