Accidental injuries or illnesses occur when going abroad will not only be physically and mentally exhausted, but may also accumulate sky-high medical expenses; how much protection can the set "travel comprehensive insurance" provided by the insurance company give you? What are the corners of eyebrows that need attention?
A while ago, media reported that Zhang Yimei, a woman from Taichung City, was unable to pay for the accumulated medical expenses of tens of millions of yuan due to surgery for ruptured cerebral arterial hemangioma in Japan. Later, with fundraising and assistance from all walks of life, she was able to return to China on September 7.
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Although the woman surnamed Zhang's condition stabilized after her first surgery, the media also obtained news from her husband Yang Congmin. The day before yesterday, a Chinese man went to the emergency room of the same hospital in Tokyo due to cardiac aorta detachment. The medical expenses for the emergency room in the surgery have reached 1.5 million yen, equivalent to more than NT$42.8 million, and he is also in trouble because of no insurance.
It has always been common for Chinese people who have illnesses or accidents to go abroad to have "a country cannot afford to pay" due to the accumulation of high medical expenses. This also highlights the importance of "doing good and full" related insurance coverage before going abroad.
Currently, it can provide insurance for Chinese people to deal with accidents or sudden diseases when going abroad (whether it is for negotiation, travel, or study abroad) and work. The main ones include travel Ping An Insurance , as well as the attached "accidental injury medical insurance" and "overseas sudden disease insurance". Both are paid in the "real payment" method.
Set of comprehensive travel insurance Five key points
Generally speaking, domestic insurance companies have sets of "comprehensive travel insurance" that provide the public with different protection content and insurance amounts as needed. However, before actually taking out insurance, people in need should still pay special attention to five key points:
Key 1. The payment methods and upper limits of insurance policies are different from the insurance amount limit. Except for Travel Ping An Insurance that is based on the insurance amount, the other additional terms are subject to real payment methods, that is, "the insurance company shall make claims based on the actual expenses of the insured within the insurance limit."
In addition, the above insurance policies have the highest insurance amount limit. Taking Luping Insurance as an example, the insurance limit of a single insurance company is approximately 15 million to 20 million yuan, and under the consideration of moral risk, the upper limit of the insurance amount will be evaluated based on the insured's personal financial status, etc.
In addition, taking accidental injury medical care and overseas sudden illness as an example, the maximum insurance amount is generally the same as one-tenth of the insurance coverage for travel insurance. In other words, if the public wants to increase the amount of protection for overseas sudden illness or overseas emergency medical transfer, they can only "raise the insurance contract amount of the travel insurance owner"; otherwise, they will make up for the difference in emergency delivery costs at their own expense.
Key 2. Pay attention to the content of different insurance policy contract terms, especially the scope and definition of the protection. Travel safety insurance and injury medical treatment, overseas sudden diseases, and overseas emergency rescue additional terms have special scope and definitions.
Take the "Additional Terms for Overseas Emergency Diseases" as an example. The scope of claims is limited to sudden diseases that have not received treatment in domestic hospitals from 90 to 180 days before the contract takes effect, or have a record of medical treatment and medication use; some insurance companies will provide "double protection for overseas emergencies in some countries", and the public can also pay more attention.
Key 3. In addition to buying additional terms for overseas sudden illnesses, "overseas emergency relief" is also very important. The reason why needs to strengthen "emergency rescue services" is because some people suddenly get sick while traveling. If they do not want to pay for the expensive medical expenses abroad, they want to go back to Taiwan for medical treatment and transport them back to Taiwan for treatment, they may not be able to pay for the relevant expenses of ordinary petty bourgeoisie.
: The emergency emergency relief costs for Hong Kong to Taipei (such as the cost of lying down for about nine seats, plus a doctor and nurse), start at least NT$300,000, not to mention that medical expenses and European and American countries with longer flights cost at least NT$100,000.
Key points 4: Pay attention to the day limit. Currently, overseas sudden disease insurance is subject to 180 days.Most of the general product protection periods are 180 days, but there are insurance types that are covered for one year (special insurance types can only be covered for one year, for example, the purpose is to work or study overseas). When signing a contract, people must be "people are within the territory of the Republic of China."
Generally speaking, this type of insurance policy can be renewed before it expires, so you will not be afraid of temporary extension of the period of staying overseas and causing a protection gap. However, the premise must be that the renewal procedure must be completed after paying the renewal premium in accordance with the company's regulations. Of course, we should pay attention to whether there are overseas emergency emergency assistance provided by some overseas sudden illness insurance and whether free guarantees are provided. Key 5. Special situations of ethnic groups, it is best to "strengthen insurance" locally. Since the amount of overseas sudden illness insurance and other insurance still has its limitations, and the medical expenses in many advanced foreign countries are not low, if there are insurance households who are preparing to study or work overseas, they must purchase insurance policies specially designed by local insurance companies for international students (the university also has a "foreign student insurance" negotiation window for studying or studying abroad); and those who "vacation work" must find a legal job in order to obtain job insurance that the employer should have provided to the workers. For more content, please pay attention to the official account "Happiness and appointment plan" Overseas study tour must buy local special insurance policies
