National Day holiday is coming soon. I believe everyone has made detailed travel plans. However, many tourists have not decided which insurance product to choose until they leave, especially overseas travel insurance . The products have their own characteristics and the situation in countries and regions is different. How should we buy it?
Today, based on the purpose of your travel, we specially selected three more representative products of in the market, . By introducing its protection scope, characteristics, prices and applicable countries/regions, will help you quickly understand the protection scope and precautions of overseas travel insurance . So worry-free, why don’t you get on the bus? !
1. Outdoor and adventure
You yearn for Dubai bungee jumping and Turkish hot air balloon trip... You need to pay attention to the scope of insurance protection and economic rescue services. The following products representing this type of insurance you can pay attention to.
Allianz
Worry-free International Overseas Travel Insurance
Accidental injury
Overseas Accidental Death and Disability Insurance
1. Death, pay 300,000 yuan;
2. Disability, pay according to the degree of disability, up to 300,000 yuan.
Emergency outpatient and emergency dental medical expenses
Emergency hospitalization medical expenses
.3 million yuan (shared)
Hospitalization subsidy
200 yuan per 24 hours, up to 20 days. The insured's minor children are hospitalized overseas and accompanied by the insured, and will be paid 600 yuan every 24 hours, up to 5 days.
can provide high-risk activities that are guaranteed by scuba diving, water skiing, field skiing, field skating, driving karts, sailing, windsurfing, kayaking, rafting, viewing helicopters or horse riding that are operated by a formally licensed agency and comply with safety regulations.
Emergency Rescue Service
Allianz Rescue will use the most suitable method to rescue customers according to the situation. The expenses exceeding the "emergency medical transportation and return" insurance amount need to be paid by yourself. All overseas medical rescue, claims and concierge services are provided by Allianz Rescue (AGA, one of the world's largest rescue companies). Customers only need to provide relevant information to Allianz Rescue to obtain claims without providing materials to the insurance company.
price
October 1 to October 8, a total of 8 days of protection (taking birth in 1985 as an example) 391 yuan
comments
Allianz's overseas travel insurance is that it can provide protection for some sports and leisure activities with higher risk . The corresponding emergency rescue service is also very practical. Although the price is slightly more expensive than other homes, it is still a drop in the bucket compared to the cost of travel. We recommend all hikers, divers and some tourists who are passionate about outdoor and extreme sports to purchase.
2. Tourism, parent-child
National Day is most suitable for family traveling together. If you are traveling with your family, then the editor thinks the following insurances are more suitable for you.
China Ping An
Overseas Travel Insurance - Globally applicable (taking the "Golden Plan" as an example)
Accidental Protection
Accidental Death/Disability 300,000
Medical Expense Reimbursement 300,000
Emergency Rescue
Medical Transportation and Repayment 2 million
Dead Body/Ashes Received 1 million
Medical Assistance and Journey Assistance Provide
Journey Obstacles
Journey Delay 1,200
Checked Baggage Delay Compensation 1 million
Medical Assistance and Journey Assistance Provides
4 Journey Obstacles
Journey Delay 1,200
Checked Baggage Delay Compensation 1,500
Journey shortened 10,000
Journey cancelled 10,000
4 Property loss
Personal property loss Payment based on 80% of the actual money and currency amount lost 1,500
Bank card theft and robbery and brush Payment based on 80% of the actual loss in a single accident 8,000
Checked baggage loss Deductible is 20% or 200 yuan of the compensation, whichever is higher 8,000
Travel ticket loss 5,000
Personal responsibility (The economic compensation borne by the insured person shall be borne by the insured after an accident due to negligence. After deducting the deductible of RMB 1,000, the compensation shall be made at 80%. 800,000
High-risk activities that are not covered by the insurance
The following contains the responsibility for high-risk sports activities that are excluded from :
Any professional sports activities or any sports with bonus or remuneration;
Horse racing, various vehicle performances, vehicle competitions, stunt performances;
Winggliding and skydiving activities.
price
October 1 to October 8, a total of 8 days of protection. 158 yuan
comments
ping this overseas travel insurance from Ping An is very considerate. Various situations that may occur during the journey include the loss of luggage, shortening of the journey, causing losses to third parties, etc., which are all considered. However, it is worth noting that some high-risk activities are excluded. The editor thinks that this insurance is the most suitable for parent-child travel , which mainly focuses on tourism. In addition to the "Gold Plan" mentioned by the editor, there are also "Silver Plan" and "Diamond Plan" to choose from, and the scope of protection and prices also have corresponding changes.
National Central University Student Union, contact person Huang;
3. General
If your travel plan is already complete and there are no special needs, then the editor thinks that the following insurances are something you can refer to!
Meiya Insurance
0,000-country travel
(Global Perfect Plan)
Emergency Rescue
Emergency Medical Transportation and Return Actual Fees
Dead Body Receipt (of which funeral costs are limited to RMB 16,000) Actual Fees
Hospital Injury and Medical Insurance
Accidental Death and Disability Protection (Adult)1,000,000Hospital
Double Payment of Accidental Injury (not applicable to minors) When taking public transportation during the trip, if you die or be disabled due to an accident, you will receive the above accidental death or disability insurance and pay the insurance at the same amount.1,000,000
Medical compensation (including inpatient and outpatient medical expenses) 1,000,000
Daily hospitalization allowance (total compensation days are limited to 90 days) 200 RMB/day
Travel kidnapping and illegal detention (compensation amount per 24 hours: 3,000 RMB) Compensation based on the actual number of days kidnapped or illegal detention 18,000 RMB
Travel obstruction protection
Travel delay (compensation amount per 5 hours: 300 RMB) Except for known circumstances when taking out insurance or when booking a trip and any delay caused by personal reasons of the insured person 1,800 RMB
luggage delay (compensation amount per 8 hours: 500 RMB) 2,000
Travel changes 20,000
personal financial security
personal money 5,000
bank card stealing 15,000
traveler's personal property Compensation limit for each piece or set of luggage or items: 2,500 20,000
travel document loss 25,000
home protection Compensation for damage or loss of furniture items caused by theft, fire, water pipe bursting, etc. during the travel period (compensation limit for each piece or set of items: 2,000
personal liability RMB 1,000,000
High-risk activities that are not covered by
Extreme sports, competitive sports, professional sports or other sports that can or may receive or receive any remuneration, donation, sponsorship or financial returns, speed competitions, adventures, hunting activities not provided by qualified commercial operators, scuba diving, etc., except those with CMAS International Diving Certificate, Diving Coach Professional Association (PADI) qualification certificate or other similar qualification certificates or diving with the company of a qualified coach.
price
October 1 to October 8, a total of 8 days of guarantee 400 yuan
comments
Miya's product is divided into three types: "Global Perfect Plan", "Global Worry-free Plan" and "Global Exploration Plan", and the guarantee index is from high to low. Judging from the guaranteed content, it can be said that it is very and comprehensive . Even the damage and losses of items that may occur at home when traveling are taken into consideration! In addition to Wanguo Travel, the "Leyouyou" insurance product specifically targeting tourists in Asia is also very popular. is cost-effective and is more cost-effective. The destination is Asian tourists can focus on it.
See here, do you know how to buy an outbound travel insurance that suits you? If
is not clear yet, then let’s summarize the key points:
1. Whether the basic guarantee is sufficient
The two most basic guarantees are accidental injuries and medical insurance, so it is very important whether the configurations of these two items are in place. If medical payments can be made directly, it is also a good plus.
2. Choose insurance products according to the requirements of the travel destination
Some regions have compulsory insurance requirements for overseas travel, such as the Schengen visa country mandatory for the coverage of medical insurance; if you go to a country without compulsory insurance requirements, tourists can consider factors such as the number of travel days and the consumption level of the travel destination when choosing. The higher the consumption level, the higher the coverage. A relevant person in charge of Huatai Insurance said that travel insurance products are already a very mature product. When choosing insurance products, passengers should follow their personal itinerary needs. If they travel to European and American countries, they should focus on medical insurance projects; if they participate in mountain climbing, diving, hot air balloons and other activities during the trip, they should pay attention to purchasing outdoor sports protection.
At the same time, it should be noted that some places for travel insurance sold in China cannot be covered, such as Afghanistan, Myanmar, Congo, East Timor, Iran, Iraq, Rwanda, Sudan, etc.
3. Focus on the emergency rescue function
It is best to choose emergency rescue with "in-process assistance" rather than "after-process compensation". Good overseas travel insurance cooperates with international rescue agencies to provide policyholders with convenient rescue services. The relevant person in charge of Allianz Property Insurance reminds that travel insurance must especially cover rescue protection, because this is a pain point that individuals cannot solve.
4. How to make a claim for overseas insurance
When an accidental injury occurs, if it is a minor injury or physical discomfort and does not affect the itinerary, the insured can handle it yourself; keep the medical report and expense documents and apply for compensation after returning to China.In case of a major accident or injury, contact the local public rescue agency, such as hospitals and police stations, and call the insurance company immediately.
"China Insurance News" wishes everyone a happy double festival ~
edit Ye Juelong, Fang Wenbin
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