article was written in 20190116
is preparing for the New Year, and a large number of people are ready to travel for the New Year.
Travel insurance is about to sell hot again.
Recently, someone has also consulted about travel insurance and is preparing to take out insurance.
From this consultation, when buying a travel insurance, most people’s first reaction to travel insurance is to protect their luggage, plane delays and other small and medium-sized risks, and and are risky of their own controllable expenses.
Some life and insurance status:
Because now is the data era, in order to obtain a lot of personal information, insurance companies have carried out 2 and 3 developments in various aspects
so they have launched a lot of aircraft delay insurance . Travel insurance is generally included, and it also captures the psychology of many of us being greedy for small gains (human nature). loses money to do these aircraft delay insurance . Many people who often fly have also tasted a lot of sweetness in aircraft delay insurance.
Over time, many people may develop "Insurance companies are very profitable" -oriented mentality. Thinking is planning to "make money from insurance companies" and some of their own completely controllable small and medium-sized risk orientations, but basically ignores the essential meaning of insurance , and the insurance insurance logic
The essential meaning of insurance is to transfer risks in advance
rather than make money, which is profitable
Scientific insurance logic
is the primary risk
The major risk is those that itself and the family cannot bear. Even if it can bear it, it will cause the quality of life to drop from a good situation to a risk of no quality of life. must first transfer
So for an overseas trip, what is the big risk?
1. An accident occurs overseas and a large amount of medical expenses may be caused by
For example, if a fish bone is stuck in the throat, it can be handled by going to a 2-A and 3-A hospital in China for 100 or more yuan. The risk of spending is very small. Traveling to Canada and the United States may cost thousands or even 10,000 yuan for accidental medical expenses
For example, a car accident will cause internal bleeding. The domestic surgery may be handled by tens of thousands of yuan. When traveling to a foreign country, internal bleeding occurs. Some countries focus on life first, and treatment is not based on the cost. After the treatment is over, the bill will be made, and the medical expenses of hundreds of thousands may be released. After seeing this, they will probably have "internal bleeding" again.
For example, discomfort outside, the occurrence of acute diseases, etc.
Anyway, compared to domestic and foreign countries, small medical expenses may become medium medical expenses, and medium medical expenses can become large medical expenses.
2. Huge medical expenses that may be caused by emergency medical transportation
When you go abroad, you have to find some unique places, and play in a slightly remote place. If you have a medical accident, the medical level in small places is limited. If you need emergency transportation, you will also incur large fees.
3. Large fees that are caused by personal responsibility
You may have heard of some tourists who go to tourist places to see some high-priced luxury goods such as jade. They accidentally fell and finally need to pay tens of thousands or even hundreds of thousands of yuan. These are also big risks.
4. If an accident occurs, there is no time to treat and transfer, which will lead to more serious or death. It can be said that even if we are still rich, some of the above large expenses can be easily dealt with. However, the allocation of medical resources to sometimes has some extreme risks. If you slow down, you will lose your life. It really requires professional insurance institutions and rescue agencies to join forces to make it more reliable.
small and medium risks are not introduced too much. Those are things we can afford on our own.
is covered with large risks. It is of course better.
0 but only see small and medium risks or a little bit of cheapness, while ignoring the big risks is a big wrong concept.
not only for travel insurance, but also for all insurances.
. After taking out travel insurance, you must also understand and inquire about the fast rescue process, save the rescue phone number, know the most convenient contact person and other basic things.
Leave the professional matters to professional people
Iron Man, your best choice! ! !
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