is approaching the long holiday, and many fans leave messages in the background to hope that we will write some reviews of travel insurance . In fact, Lan Lan is resistant in her heart because there are too many contents for travel protection, such as accidental disability, accidental medical care, emergency medical transportation, hospitalization allowance, condolence visit costs, luggage delays, travel delays, travel documents loss, personal items lost, bank card theft, etc. . . .
In addition, hundreds of products can be evolved according to the destination and travel time, which is very inconvenient to evaluate and compare. However, in the spirit of serving the public, we have classified and sorted out the hot-selling products in the market, and strive to recommend better products to everyone.
The importance of overseas travel insurance
1. The cost is low, and the guarantee is sufficient: For example, we go to Southeast Asia to dive, ski in Switzerland, drive in the United States, camp in Nordic, and take hot air balloons to Turkey. These high-risk sports are guaranteed, and the price is particularly cheap, generally only a few dozen to a few hundred yuan. Some time ago, the earthquake occurred in Nepal , the Chinese tourists in Miyao were kidnapped, the thieves often encountered in Italian tourism, and the poor public security in some Southeast Asian countries will not only affect our mood, but will also endanger our personal safety in serious cases, so it is necessary to purchase an outbound travel insurance.
2. European Schengen country requires that you must purchase insurance: When we apply for Schengen visa , we will require us to provide Schengen visa insurance. The requirement is that the medical insurance amount is not less than 30,000 euros, including hospitalization and return to China. This is the basic requirement. Only in this way can we move freely among countries with Schengen visas.
Notes when choosing outbound insurance:
1. Choose insurance with international rescue services: Once you go out of danger abroad, as long as you contact the rescue agency that cooperates with the insurance company, the rescue company will provide one-stop service, including treatment and rescue, arranging family to visit abroad, etc.
2. The coverage amount must be high: We recommend that the coverage amount starts at least 300,000 yuan. In addition to the requirements of the Schengen country, the coverage amount is actually less than 300,000 yuan, and it cannot achieve the purpose of transfer risk, so it is recommended that the coverage amount must be high.
Based on the above 2 points, we conducted a horizontal evaluation of the entire market. See the following table for details:
You can intuitively see that although the protection content is the same, the price difference is still relatively large. Taking the "Chinese Insurance Happy Insurance Overseas Travel Insurance" with the highest cost-effective model as an example, the price is only half of other products, but the protection of key projects such as accidental medical care and emergency medical transportation will be higher than that of other products. There are many products on the market that we do not list them one by one. Many of the more scam-worthy products not only have low guarantee amounts, but also have very expensive prices, so there is no need to comment and waste everyone's time.
How to choose:
If you prefer foreign brands: Deep Blue Insurance recommends choosing Allianz, which is recommended for the Schengen visa embassy, and the rescue service adopts Allianz's own rescue institution, which can be guaranteed not only in Schengen countries, but also in other regions.
If you pay attention to cost-effectiveness: , then this product from PICC is the most cost-effective choice. It is not only has high protection, but also has very cheap prices. It is recommended to vomit blood. The above two models above
can be directly searched from Taobao, just search for the name directly, and you can view and purchase directly. Regarding traveling abroad, we also have some suggestions for some practical things:
1. Be sure to keep in mind the emergency contact number of the insurance company to avoid being caught off guard when risks occur.
2. If medical conditions occur, you must keep various information, lists, and invoices.
3. If the plane is delayed, it is necessary to issue a corresponding delay certificate to facilitate subsequent claims.
4. If the finances are lost, you must call the police to keep the corresponding records for subsequent claims.
Finally, Lan Lan wanted to say that because traveling abroad is a very personalized thing, this review is just to give you a recommendation. The specific choice of which one must be decided based on your actual situation and destination. No matter what, pay attention to Shenlan Insurance. We do not sell insurance, we only recommend the most cost-effective insurance for you!
does not sell insurance, it only solves the problem. Only the most cost-effective insurance is recommended.
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