In recent years, the epidemic has swept across the world with a rapid momentum, and travel safety has become a global problem.
Although there are many types of travel insurance products on the market, the core guarantee of is only: people, property, and responsibility.
Under such special circumstances, many travel insurance policies have many problems:
- Insurance time expires
- does not underwrite the new crown
- holds the policy and cannot board the plane
- ......
In order to better interpret the policy conditions and temporary policies of various countries and regions. You have to read this article carefully!
Below are the common misunderstandings and solutions for travel insurance during the epidemic and war listed by Xiao Bao.
ONE: Exclusions caused by war & special military operations
Undertake the risk that may occur during the travel period of the insured 2022-2023 organized by the policyholder, underwrite overseas travel within the insurance year. Excluding regions: Syria, Libya, Crimea, Somalia, etc. and any country or region that is in a period of war, military action, riot or armed insurgency.
Although there is no description of Ukraine and Russia in the listed areas except areas, it is already included in the scope of war and military operations, so travel insurance cannot be covered!
If any employee is on a business trip to Guoan and region except listed, he or she needs to report it to the insurance company in particular.
For example, our insurance policy can be expressed as:
Given that Iraq is a country with extremely high risks, it will cover an employee who travels to Iraq in a short period of time. The maximum amount of accidental death and disability insurance is 200,000 yuan, and must be declared in advance.
The subsequent additional travel employees to Iraq must evaluate their insurance qualifications and provide an underwriting plan based on the travel destination of the insured business travel, the safety hazards of the destination at the time of application, the number of travel days and other risk factors.
TWO: The insurance policy for travel exceeding the time limit during the epidemic period has expired?
When taking out travel insurance, what many company managers may easily ignore is that when taking out insurance, the maximum number of days for each trip is 90 days.
This setting conditions are basically enough for travel before the epidemic, but overseas business trips have begun to resume this year, and this restriction for many insurance policies is completely insufficient.
☟☟☟
This expression is generally within the quotation or terms, and is not very obvious.
Due to the epidemic, a single overseas business trip is likely to last more than 90 days, and even reach more than half a year
The recommended plan is:
①: The maximum number of days per trip 90 days
②: The maximum number of days per trip 183 days
③: The maximum number of days per trip 366 days
The longer the time, the higher the premium!
The principle is very simple. Since travel insurance covers diseases and the new coronavirus medical expenses, the longer you spend abroad, the more you are, the policy is more like a medical insurance policy.
Moreover, overseas medical expenses are expensive, and the probability of insurance companies paying high medical expenses has become much higher.
Currently, most insurance companies do not have insurance policies for 366 days. If you have a special customized plan, you can contact Xiaobao at any time~
THREE: There is a new coronavirus insurance requirement for a specific country to temporarily add new boarding in a specific country
The red box translates as: must have medical insurance or travel insurance, and your insurance covers any expenses incurred by coronavirus-related diseases, isolation or self-isolation during your stay.
Now many countries check whether the insurance policy is covered by the new crown before boarding the plane.
If the policy does not clearly state that the new crown is underwriting, it will lead to inability to board the plane:
On the one hand, it is necessary to change the air ticket, change the itinerary, and change the hotel.
On the other hand, it leads to uneasiness caused by overseas employees stranded at airports.
Xiaobao has urgently dealt with more than 900 employees stranded at the airport in the past two months!
urgently adds insurance policies for the new crown, and reissues the English version of the policy to meet the boarding requirements. Due to the addition of COVID-19 protection, premiums will increase. On the other hand, insurance policies in all English must be issued to meet boarding requirements.
If the Chinese insurance policy is issued, it will still not be able to board the plane.
new insurance policy will take effect at the fastest time at 0:00 the next day, so once an employee temporarily requests at the airport, the fastest processing time of , , can only take effect at 0:00 the next day.
Therefore, the person who handles travel insurance for employees should pay full attention to and prepare plans and be ready to enable alternative plans at any time.
If you need to arrange travel insurance that meets the boarding requirements, you can also contact us to customize the plan at any time~
FOUR: Common misunderstandings about suffering from diseases!
usually covers the disease within the travel insurance policy, but the infectious diseases and the new crown will be excluded in "exclusion liability" .
If you need to underwrite the COVID-19 protection, should clearly request the insurance company to underwrite the COVID-19 protection before taking out the insurance policy, and write it into the insurance policy. The complete addition is as follows:
"Medical Costs" protection can cover the treatment costs incurred by the insured during overseas travel and meet the insurance terms. The medical reimbursement of this policy covers the medical expenses of COVID-19 during overseas traveling that meets the insurance clause.
On the one hand, it allowed insurance companies to bear the costs of the disease caused by the new crown, and on the other hand, it solved the insurance inspection requirements of various countries before boarding the plane.
In addition, although the disease is covered, it will still be excluded due to the reasons of subordinates:
Brief summary: already suffer from diseases (three highs, cardiovascular and cerebrovascular diseases, etc.), reimbursed from social security or other insurance, health care, plastic surgery, medical beauty, vaccination, etc.
. Special attention should be paid to the item 9 related to teeth, except for the costs incurred by teeth cleaning, cleaning, dental treatment or surgery and insertion caused by non-accidental injuries.
Since has different insurance requirements for different regions of , and with the changes in the epidemic, policies of various countries may temporarily add various insurance requirements.
or above are for reference only. If you need more specific insurance suggestions, you can contact me at any time. As a professional insurance broker, Xiao Bao will provide you with free consultation services for to you at any time at any time! Solve your travel problems ~
