China Net Finance reported on February 14th that when traveling abroad, long-distance travel, local and local conditions and other factors may cause diseases, and some countries (regions) have higher medical expenses. In order to obtain medical assistance in a timely manner and avoid large medical expenses. Yesterday, the China Insurance Regulatory Commission issued an insurance consumption tip on outbound travel - a medical insurance article, suggesting that tourists and friends may consider additional insurance medical insurance and emergency rescue service terms when purchasing overseas travel accident insurance.
China Insurance Regulatory Commission Insurance Consumer Rights Protection Bureau reminds that consumers should pay attention to the following points when taking out insurance.
First, pay attention to choosing a suitable medical insurance amount. Generally speaking, determining the insurance amount of medical insurance should refer to factors such as the number of travel days and the medical expense level of the travel area. Some countries (regions) also regard purchasing medical insurance as a prerequisite for applying for a visa. For example, when traveling to Schengen countries, you must purchase medical insurance with an insurance amount of no less than 30,000 euros. At the same time, to facilitate claims, you can consider choosing insurance products with advance payment of medical expenses.
Secondly, try to choose insurance products with emergency rescue service terms. If the insurance product purchased contains emergency rescue service terms, if a tourist encounters an accident or an acute illness, he or she can call the rescue service number provided by the insurance agency to obtain emergency rescue or medical services. At the same time, the insurance contract can also stipulate that the insurance institution shall bear the costs of medical transportation and return of tourists, condolences and visits from direct relatives, emergency search and rescue, etc. Since the global rescue agencies cooperated with different insurance companies are different, and the rescue content is also different, please read the insurance terms carefully before taking out insurance, so as to choose appropriate insurance products.
In addition, if you encounter personal or property losses or encounter emergency situations when traveling abroad, you must call the police as soon as possible and report the case to the insurance company in a timely manner; at the same time, retain evidence related to the insurance accident in order to obtain insurance compensation in a timely manner.
