There is a dream in my heart "Beijing-Moscow": My international train journey that surpassed 9288 kilometers (22)
Regarding insurance, let's start with the insurance issues I involved in this time.
. Why do you have to buy it? You have to buy it.
Remember to leave a few days ago and told everyone that it was time to buy insurance. Someone from the colleague asked me if I can’t buy it? I said: You must buy it. If you don’t buy it, don’t go with you.
In fact, in daily life, I am the person who doesn’t like to buy insurance the most. There is no other commercial insurance except for social security and medical insurance. Only this "outbound travel insurance" has been buying outbound travel a few years ago. After all, it is different from being abroad. Isn’t it because I have something to say, “I’m not afraid of ten thousand, but I’m afraid of what if I don’t want it.” In case of an emergency or illness, no one will care about it, nor will it lose everything. Although the words are a bit exaggerated, if you think about it carefully, it is really a problem. Insurance is essential for medical expenses and rescue abroad.
Hern Palace Square, also known as "Palace Square", is adjacent to the Winter Palace, and is the central square of St. Petersburg and one of the landmarks of St. Petersburg
Why the national tourism department forced the travel agency to buy insurance for every guest who participates in the tour group, this is a truth. Perhaps some people don’t know that the tour group they participated in can still be purchased with insurance? ! Yes, there must be regular travel agencies, and maybe they didn't emphasize it. Of course, the coverage of insurance for travel agencies is very limited.
It is very necessary for us who travel freely to insure ourselves. Of course, many destination countries do not require it, but for us travelers, we buy it ourselves and keep it down to the point of being at ease, and everyone buys it together. If you are willing to spend tens of thousands of travel abroad, you are reluctant to spend one or two hundred insurances, which makes everyone unable to travel abroad with confidence, so don’t travel with you. Then go and play your own best. Anyway, I will not travel with people who have not bought overseas travel insurance. Hahaha.
2. Which insurance is better to buy in various types of insurance?
Most overseas travel is short-term insurance, and the basic amount is not high. Different destination countries can basically handle it within a few dozen to two to three hundred yuan. Why not buy it?
Of course, there are also insurance types with one year or longer coverage period. As long as they are mainly for overseas personal insurance, it is also OK. For us who are just traveling, I personally feel that it is more cost-effective to go out to buy at a time.
The favorite of literary youths is Pushkin's statue of Pushkin's former residence. Nowadays, literary youths have become middle-aged and old, so go and have a look. Haha
At present, in my understanding, only Schengen requires that you have already purchased the insurance when applying for a visa, and it is an insurance approved by him. There are some specific requirements, just buy it according to his requirements.
insurance for other countries. is usually done after completing the visa and air tickets, and then it is processed a few days before departure.
This Russian train trip made me unable to get compensation because I bought this insurance from life insurance company .
At that time, I was about to buy insurance. My sister told me that our other cousin started selling insurance some time ago. I had to buy it anyway, so why would she do it? Then let her do it. So, by buying this outbound travel insurance from China Life Insurance, the insurance of Life Insurance only has personal protection. This kind of single overseas tourism insurance has limitations, which will be immediately revealed! I will definitely not choose again in the future.
Overseas travel insurance must be a comprehensive and comprehensive one. The focus is on personal insurance, and other property insurance must also bring some . However, I bought all of them later and never lost anything again, haha.
A gas station passed by mainly because it was really good that day, with blue sky and white clouds, and it was better not to choose those who only protect their personal life. It is even more unnecessary to protect only property. How much valuable things can you bring out when you travel? Apart from the essential cameras, there is no need to take other more valuable things out.Ordinary people cannot do the opposite, and go to the property insurance for outbound travel to travel .
3. How to buy it? Where to buy it?
Like this time, I have relatives and friends selling insurance, so I ask him to buy it. Anyway, I won't use it anymore. If you still have to buy it through your relatives and friends, you must try to buy the insurance you want. Don’t force it, I can only say that.
After that, I buy insurance before every time I set out, most of them went to the insurance sector of Alipay (Ant Insurance). Occasionally, I also check out the apps of several large insurance companies. However, I think Alipay has enough insurances for various companies and various types of insurance, so just find a suitable order for the itinerary. Simple and convenient.
may also be available on other platforms, but I am used to using Alipay, so I won’t introduce other unused ones.
Just now I wanted to go to Alipay to take a few pictures, let’s take a look. I found that there were many overseas travel insurances that were available in the past, but now there are only a few hanging on them. This is all caused by the epidemic. Wait for the epidemic and all walks of life to recover. A few screenshots, you can refer to them if you need them in the future.
Several insurance orders that have been placed have been selected. These are the ones
4. When purchasing insurance, some precautions
First, the coverage period should be greater than or equal to the travel time, including the travel date and the return date, and the insurance coverage period should be kept during the entire travel process.
The length of each insurance design is different, including 7 days, 10 days, 14 days, 15 days, 20 days...30 days. Choose a number that is greater than the number of days you travel, and do not leave the head or tail outside the protection period.
Second, understand the content of emergency rescue services of each insurance company and the service level of overseas rescue companies that provide this service. Including the situation of overseas rescue companies’ institutional outlets around the world, service status at tourist destinations, etc. . These companies will be introduced. This is the main basis for the choice of insurance.
Simply put, it is where the market is mainly engaged in insurance companies. For example, if you go to Europe, you must have a company headquartered in Europe, and its series of service institutions are the strongest in Europe. Similarly, the same is true for going to North America and other Asian countries. Of course, there are many large global companies now, and they are involved in a wide range of areas, so choosing insurance products for large companies is definitely preferred.
In this regard, the life insurance company I bought this time not only does not involve property, but actually this aspect is not what I like. At least it’s over, so you must buy what you want in the future.
Russian street food cart, I haven't let it go, I always have to try something
Third, other aspects of protection, such as flight delays, lost documents, accidents, traffic accidents, lost luggage, etc. are all so-called risks on the journey. The content designed by each insurance company is different, and generally not all of them are available. When choosing insurance, choose to include content that you think is important or need. Because each insurance is designed differently. There is no perfect choice between everyone's wishes and choose from it.
Fourth, there are special requirements for insurance to go to the Schengen country in Europe. You must buy insurance first and submit a visa, and just do it according to its requirements. won't say much now. I would like to write a special article in the future, and I will explain in detail when I personally operate the German Schengen visa.
As I wrote this, I suddenly realized that I was also a little ill. This was the first free trip in 100% sense. I chose such a cross-border train journey and took it in segments, which was considered the most difficult route. When applying for a visa, I also specially selected the most difficult Schengen visa and the most rigorous German visa among all visas to do. I just want to save trouble for those easy-to-get visas. Why? Let me tell you about the visa application information about Germany in the future.
Fifth, travel in other non-Schengen areas requires the determination of what kind of insurance to purchase based on the consumption level of the destination country and your own personal situation.
Simply put, it is a country with a higher consumption level and when choosing travel insurance, you can purchase products with relatively higher coverage.
The same insurance is generally set as the basic version, the luxury version or another level, two or three different insurance versions. I usually choose the basic package, with the lowest premium and the lowest insurance amount. I feel like there is some guarantee.
has also bought medium or luxury versions once or twice, probably to the United States and Japan. I remember that the luxury version was not much more than the basic version, and it was more cost-effective, so I bought it. This can be determined based on everyone's consumption habits and hobbies.
Street food stalls, don’t miss
In short, if you want a safe and pleasant trip, you must prepare for insurance. Purchasing "outbound travel insurance" before departure is to provide yourself with a guarantee. Then relax and enjoy your poetry and distance!
outbound travel, choosing to buy an outbound travel insurance that suits you is an important symbol of tourists' maturity.
I am Sister Hongbo, thank you for reading.
