从今年1月1日开始，买火车票将便宜0.5元到1.5元，相应地，铁路旅客意外伤害强制险也被取消。不少坐火车出行的乘客对此感到十分纳闷：以前没怎么听说过这个意外伤害险，如今票价最多只便宜了1.5元，我去哪里买这么便宜的保险呢？

Start from this year on January 1,,Buy train ticket will be cheap to 0.5 yuan to 1.5 yuan,accordingly,Railway passenger injury compulsory insurance also be cancelled.A lot of travel by train passengers are very wonder about it:Haven't heard of the accident injury insurance before,Now the tickets only at most cheap $1.5,I where to go buy so cheap insurance?

铁路强制险最高赔15万元 The compulsory insurance pay a maximum of 150000 yuan

　　根据国务院第628号令《国务院关于修改和废止部分行政法规的决定》，《铁路旅客意外伤害强制保险条例》2013年1月1日废止。从当天起，火车票价相应下调，执行取消强制保险后的新票价。

According to the state council. 628[About amendment and repeal of administrative rules and regulations of the state council],[Railway passenger compulsory accident injury insurance regulations]On January 1, 2013 shall be repealed.From that day on,Train fares are lowered accordingly,Implementation cancel after the compulsory insurance of the new ticket.

　　铁道部称，该条例废止，取消强制保险的同时，铁路部门将采取适当缩小票价计费单位、降价幅度等于或大于强制保险费的处理方式。具体为：将旅客票价最小计费单位由1元人民币调整为0.5元，强制保险费不足0.5元的，票价相应降低0.5元；超过0.5元、不足1元的，票价相应降低1元。除实行公交化票价的线路外，每张火车票的票价都会有所降低，最少扣减额0.5元。

The ministry said,This regulation shall be abolished,Cancel the compulsory insurance at the same time,The railway departments will take appropriate reduce unit price/Cut prices equal to or greater than the processing means of compulsory insurance premium.Specific for:Passenger fares minimum unit by 1 yuan to 0.5 yuan,Compulsory insurance premium of less than 0.5 yuan,Price reduced to 0.5 yuan;More than $0.5/Of less than $1,Price reduced 1 yuan.In addition to the line of public transport fares,Each ticket fares will be reduced,At least a deduction $0.5.

　　一位火车站的工作人员曾告诉记者，以前在火车票上打的一个小口，就相当于“启用”强制险的“开关”，有了小口，这个保险就有效了。

A railway station staff told reporters,Train tickets before on a small mouth,Is equivalent to"enable"The compulsory insurance"switch",Have a small mouth,This insurance is effective.

　　在这个保险取消之前，极少有人了解，这个保险能提供什么保障，在取消之后，大家反而产生了疑问，这份保险到底有什么作用？根据媒体报道，在过去61年的时间里，铁道部用这部分强制险成立了一个自保基金，如果有乘客在乘坐火车过程中出现意外事故，如导致死亡残疾等，就从这个基金里支付赔偿，最多15万元。

Before the cancellation insurance,Very few people understand,This insurance can provide protection,After the cancellation,Everybody has a question instead,What is the role of the insurance?According to media reports,In the past 61 years of time,Railway in this part of the compulsory insurance has set up a captive fund,If a passenger in a train accident appeared in the process,Such as deadly defect,From this fund to pay compensation,Up to 150000 yuan.

运输企业大多有责任险 Transport enterprise mostly have liability

　　不少乘客担心的是，这个强制险取消后，坐火车出意外就没人赔偿了。实际上，铁道部还表示，废除强制保险后，旅客在铁路运输过程中发生人身伤害时，依据有关法律规定，属于铁路运输企业责任的，铁路运输企业将按照国家有关法律法规进行赔偿。也就是说，出了事，铁路运输企业仍有赔偿责任，但这部分钱怎么出，铁道路没有做更多的解释。如果乘车人想获得更多保障，就要自己出钱买保险了。

Many passengers are worried about,After cancellation of the compulsory insurance,The train accident, no compensation.In fact,The ministry of railways said,After the abolition of compulsory insurance,The passenger bodily injury occurs in the process of railway transport,According to the provisions of relevant laws,Falls within the responsibility of the railway transport enterprise,A railway transport enterprise will compensate in accordance with the relevant laws and regulations of the state.That is to say,Out of time,Railway transport enterprises still have the liability for compensation,But the money how,Iron road didn't do more.If riders want to get more guarantee,Will you pay to buy insurance.

　　一位保险业内人士介绍，实际上，除了铁路之外，大部分其他交通工具的运输企业也负有赔偿责任。比如一旦飞机出事，航空公司也要在自己的责任范围内，赔偿乘坐飞机的人一部分钱。记者了解到，不同航空公司所承诺的赔偿金额并不同，一般在10万元左右。因此，如果想获得更多的保障，就需要自己掏钱买保险了。

The personage inside course of study introduces a insurance,In fact,Besides the railway,Most other forms of transportation transport enterprise also responsible for the liability for compensation.Such as once the plane accident,Airlines will be within the scope of their own,Compensation in one part of the money of the plane.The reporter understands,Different airlines promised compensation amount and different,Is in commonly 100000 yuan.so,If you want to get more guarantee,You need to buy the insurance.

　　对于在广西境内乘坐客车出行的旅客来说，同样也有两种选择。汽车承运人责任险从2007年开始在广西执行，在客运业内，承运人责任险也被称为“座位险”。乘客坐班车，所买的车票本身就含有保险，乘客坐车发生事故，可以由“座位险”来理赔。现在的客运站一般在销售汽车票的同时，还建议乘客再购买一份2～3元的短途意外险，作为补充。

For passengers traveling on the bus travel in guangxi,There are also two kinds of choices.Automobile liability insurance carrier since 2007 in guangxi,In the passenger transport industry,Carrier's liability is also called"Seat risks".Passengers sit bus,Buy the ticket itself contains the insurance,Passenger car accident,Can be made by"Seat risks"To claim.Now the bus in ticket sales at the same time,Also advised passengers buy a short casualty of 2 ~ 3 yuan,As a supplement.

　　如今，购买火车票要不要再附加买一份保险，就成了不少乘客的新选择了。连日来，记者探访南宁市部分火车票代售点发现，这些代售点大多还代售汽车票、飞机票。在代售飞机票的网点，多有20元7天有效的航空意外险销售，有的出售的是单纯的航空意外险，有的则是综合意外险，既包括航空意外，也包括轨道交通、汽车等交通工具的意外。但购买火车票和汽车票的人，大多不会加买保险。

now,Buy train ticket to don't buy a additional insurance,Became the new choice of many passengers.In recent days,Reporters visited nanning part of the train ticket to their hometowns,Most of these people are booking ticket/Plane ticket.Booking air tickets in the network,More than 20 yuan 7 days sales of aviation accident effectively,Some sold is pure air casualty,Others are comprehensive casualty,Both air accident,Also include the rail transit/Traffic tools such as auto accident.But the people who bought train and bus,Most don't buy insurance.

保险公司低调应对 Insurance company low-key

　　如今，火车票本身不附加保险了，就突然出现了一个空白的保险市场。不过，记者多方采访了解到，保险公司对此并不是特别兴奋。中国平安[微博](45.46,0.00,0.00%)人寿广西分公司答复记者时说，该公司并没有出台针对《铁路旅客意外伤害强制保险条例》终止的险种，因为保险公司已有保险期为1年的意外险，险种有可以单独投保的平安意外伤害险，也有可以附加于长期寿险的附加意外伤害险、附加无忧意外伤害险等。据介绍，这些意外险均对被保险人因乘坐公共交通工具发生的意外额外增加一倍保障。

now,Train ticket is not additional insurance,Suddenly there was a blank of the insurance market.but,The reporter understands many interviews,The insurance company is not particularly excited about it.China peace/micro bo(45.46,0.00,0.00%)Life in guangxi branch answer reporters said,The company did not come in[Railway passenger compulsory accident injury insurance regulations]Termination of the insurance,Because the insurance company has insurance period is 1 year of casualty,Insurance have to separate for the peace of accident injury insurance,Also have to add the additional accident harm in the long-term life insurance risks/Additional pillow accident injury insurance, etc.According to introducing,The casualty of the insured due to take public transportation accident happened twice as an additional security.

　　一位保险业内人士告诉记者，除了因为保险公司本身就有意外险出售外，对保险公司来说，单独向乘坐火车的乘客销售保险，成本也相当大。而且，保险公司无论如何都没办法卖得比1.5元便宜，这样乘客还会觉得保险贵，销售也很困难。

An insurance industry insiders told reporters,In addition to the sale because itself has casualty insurance company,For the insurance company,Alone to passengers on the train to sell insurance,Cost is large.and,Insurance company no matter how to won't be able to sell much cheaper than $1.5,So people will think your insurance,Sales is also very difficult.

　　“我就坐一趟火车，真不想花100元去买个意外保险卡，还有更便宜的保险可以选择吗？”记者从一些保险公司的网上保险销售渠道了解到，一份保额为20万元的纯火车意外险，一年的保费为20元，如果注册成会员，则仅为6元。

"I'll take a train,I really don't want to spend 100 yuan to buy a accident insurance card,There are cheaper insurance can choose?"Reporter from some online insurance marketing channel to insurance company,An amount of 200000 yuan of the train accident,One year premium is 20 yuan,If registered as members,Is only for 6 yuan.

　　在目前的情况下，恐怕只有通过网购，才能获得如此低廉的保险了。值得一提的是，大部分意外险规定被保险人的年龄范围为16周岁到65周岁，极少数险种可延伸到70周岁。因此，16周岁以下及70周岁以上人群的出行意外保障，仍需要商业保险公司承担更多的社会责任。之前客运企业与保险公司的合作模式，值得铁道部借鉴。

In the present circumstances,I'm afraid it is only through e-commerce,So to get cheap insurance.Be worth what carry is,Most casualty provisions of the scope of the insured's age is 16 years old to 65 years of age,A few plant can be extended to 70 years of age.so,Under 16 years old and 70 persons over the age of traffic accident,Commercial insurance company still need to take more social responsibility.Before passenger transportation enterprise and the cooperation pattern of the insurance company,Is worthy of reference for the railways.