1. Passengers can voluntarily purchase railway travel insurance when purchasing train tickets, and the certificates used for insurance are the same as those specified in this website, namely, the second-generation People's Republic of China (PRC) resident ID card, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents and valid passports that can be used according to regulations.
Two, each train ticket can be insured 1 railway accident insurance, each premium 3 yuan, the maximum protection of accidental death, disability 300 thousand yuan, accidental medical expenses 30 thousand yuan; Minors must be insured by their parents. Each premium 1 yuan, with the maximum coverage of 654.38+million yuan for accidental death and disability and 654.38+million yuan for accidental medical treatment.
3. During the railway accident insurance period, from the time when the insured enters the station with a valid travel certificate to verify the real-name registration system registration system or check the ticket, to the time when he arrives at the station and check-in station specified in the valid travel certificate.
Four. The applicant shall not insure the person who has no capacity for civil conduct with death as the payment condition (the life insurance insured by parents for their minor children is not restricted by these provisions, but the sum of the insurance benefits with the death of the insured as the payment condition shall not exceed the limit stipulated by the insurance supervision and administration institution of the State Council).
5. Unless parents insure their minor children, this insurance contract shall be approved by the insured and the amount of insurance shall be approved; Otherwise, the clause that death is the condition for paying insurance benefits is invalid, and the insurer will not bear the insurance liability.
6. Adult parents who buy M&A insurance tickets on 12306 website can get a minor railway accident insurance of China Railway Insurance Company in the "My Insurance" of their ticket purchase account, if they bring a child under 1.2m in height and under 10 (verified by the second-generation ID card) for free.
7. Passengers who have been insured on this website can get a replacement insurance invoice at the designated window of the station by showing their train ticket or valid identity documents at the time of insurance no later than 3 1 day from the date of boarding the train ticket.
Eight, insured passengers (insured) should properly keep the train tickets, insurance invoices, valid identity documents used when insured, so as to check and verify relevant information when out of danger.
Nine, if you need to surrender, please go through the formalities of surrender before the insurance liability begins. If the paper ticket has not been changed and is within the time limit allowed by this website, it can be handled directly on this website, otherwise it should be handled at the designated window of the station. When the ticket is refunded, changed or changed to the station, the insurance contract will be automatically cancelled or corrected.
Ten, the insured shall fulfill the obligation to tell the truth, otherwise the insurer has the right to terminate the insurance contract in accordance with the relevant provisions, and does not assume the responsibility of paying insurance money.
XI。 You can check the insurance information in "My Insurance" on this website, you can call 12306 for manual inquiry, or you can log in to China Railway Insurance for inquiry and download the insurance clauses and electronic insurance policies. Please read carefully and fully understand the insurance clauses, liability exemption, insurance period and contract termination.
This is a voluntary principle. If you don't buy it, you don't have to buy it
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.