What is it that the travel agency requires tourists to send text messages to promote insurance after getting on the bus?

After being a tour guide for so many years, I will encounter some travel accidents more or less, so I would like to remind the tourists of the following two misunderstandings:

Myth 1: Travel agency insurance is enough. Some tourists will think that as long as the travel agency is insured, travel will be guaranteed and accident insurance can be purchased. In fact, this view is wrong Travel agencies take out travel agency liability insurance, which is a compulsory policy insurance that travel agencies must take out. Both the insured and the beneficiary are travel agencies. It is an insurance purchased from an insurance company to avoid the risks of the travel agency itself, so as to clearly distinguish the responsibilities of tourists and travel agencies. It only covers the losses caused to tourists due to the fault of the travel agency itself, and all kinds of external accidents, such as the fault of scenic spots and accidents when taking public transport, are not covered by the travel agency liability insurance as long as the travel agency has no direct responsibility. The policyholders and beneficiaries of travel accident insurance are tourists, and tourists voluntarily take out insurance. As long as the insured accidents agreed in the insurance contract, whether due to the responsibility of the travel agency, personal negligence or other emergencies, can protect the insured.

Myth 2: As long as it is an accident, you can get compensation. Many tourists do not pay attention to the exemption clause of travel insurance when buying travel accident insurance, thinking that they can get compensation as long as it is an accident. In fact, basically all travel accident insurance is "exempt" from some high-risk activities. Such as horse racing, rock climbing, diving, alpine skiing, bungee jumping and surfing. Unless otherwise specified, they are generally exempted. Therefore, when choosing travel insurance, tourists should pay attention to whether the travel insurance introduced by insurance companies has restrictions on item-by-item liability payment.

20 1 1 year

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.