1. You must buy insurance when traveling abroad
As Chinese people's income increases, more and more Chinese people have put their travel itineraries abroad. Although you can see the outside world when traveling abroad, you often overlook one issue: there are more issues to consider when traveling abroad than when traveling abroad. For example, what should you do if you get sick abroad? How to cover high fees, etc. Overseas travel insurance can actually help you. The gold medal consultant here wants to recommend some better overseas travel insurance products.
2. What are the popular overseas travel insurance products
Gold Consultant searched on some large insurance intermediary websites and saw that the following companies' products are more popular, with sales ranging from one million to more than one hundred thousand. They are the products of Pacific , Libao, AIG Meiya and Strip.
1, Pacific Overseas Travel Comprehensive Insurance Plan (no clinic) Plan A
2, Libao "Leyou Global" Overseas Travel Guarantee Plan Gold Plan
3, Meiya "Leyou Game" Overseas Travel Guarantee Plan
4, Sword "Leyou Global" Overseas Travel Guarantee Plan Gold Plan
3. What are the common evaluation standards for overseas travel insurance
1, medical insurance , accidental injury insurance, emergency rescue insurance
What to do if you get sick overseas? What to do if you get an accidental injury? What if emergency treatment is needed? The solution to these three problems constitutes the three priority standards of , that is, first consider medical insurance, accidental injury insurance, and emergency rescue insurance , because Chinese people may ignore safety issues overseas or cause accidents or frequent illnesses due to unhealthy diet.
Accidental damage
Medical
Emergency rescue
It can be seen that in accident protection, the protection items and coverage amounts of Libao and Shijie (the overseas injuries are all 300,000 yuan) are higher, followed by America and Asia, and the Pacific guarantee is the minimum coverage amount.
In medical care, it is obvious that the insurance amount of Pacific and Sword is higher, both 300,000 yuan, but the Pacific must be hospitalized, while Sword is a compensation for foreign medicine. In addition, the number of projects is the largest.
In the emergency guarantee, the maximum insurance amount of emergency medical transportation provided by Pacific, Libo and Meiya is 1 million, while the maximum insurance amount of American and Meiya is 400,000. But there are bodies transported in America and the Pacific.
So based on the above three points, the rankings from the best are: Stalker, Pacific, Libao, and Meiya.
2, underwriting age, price and other details
The key here is underwriting age . If you spend it, it is approximately within a few dozen yuan (all calculated in 5 days). Libao and Meiya are almost 70 years old, but Libao and Shijie can both reach 85 years old. In this regard, Libao and Shijie are the best.
Then the final gold medal consultant concluded that Strip and Libo were selected, followed by Pacific and finally Asia and America.
(Gold Medal Consultant Analyst: Zhao Yining )
