Some people say that insurance is like a light: It’s okay, something may happen if you don’t. Nowadays, online insurance is convenient and fast. Within 5 minutes, you can complete the insurance by setting your personal information, journey and credit limit. But there are 4 issues that should be paid attention to before taking out insurance, which helps travelers quickly turn on the "light that should be lit" before departure.
Before going abroad, many people would buy more copies of "Travel Ping An Insurance " (hereinafter referred to as Travel Insurance) to prevent accidents from happening in other places. It is also more safe to provide multiple guarantees.
But how to buy travel insurance? In addition to psychological effects, how many rights and interests can actually bring? Get to know the following 4 questions immediately.
Q1 Why buy travel insurance?
A: Travel and peace insurance cannot be just a temporary cram, but also a regular plan.
"Whether to protect travel insurance is a fake issue," Qiu Zhenghong, general manager of Anrui Insurance Brokers Co., Ltd., said bluntly: "The situation you encounter abroad can actually encounter it in China. Why do you have to buy another insurance for these 3 to 5 days when traveling?"
Many people have not noticed that if there are accident insurance and medical insurance plans, they can also provide protection overseas. Qiu Zhenghong clarified that although travel insurance seems cheap, it is actually not as cost-effective as most people think. "The cost of travel insurance for one month can be about the same as your usual one-year insurance fee," he explained. "So from a budget point of view, unless you go abroad temporarily, if you can plan your travel with all your weekday insurance, it is the most cost-effective." Who will buy
Q2? Is there any difference?
A: The operators are similar, but life insurance and property insurance are very different.
Many people have arrived at the airport and have temporarily thought about buying travel insurance. Whether you are insured in the airport lobby or searching through the Internet, various insurance companies have a wide range of products and can even use automatic insurance machines. How can you choose the most cost-effective?
"If you have arrived at the airport lobby, it is actually not much different from whom you want to protect," Qiu Zhenghong explained. The rate setting of each businessman has been determined through actuarial results, which is basically the same. "Of course, insurance at the airport is definitely more expensive than online insurance, although the average person may not necessarily feel the gap," he pointed out.
Even if the rates are similar, life insurance companies and property insurance companies are different. life insurance is the object of "people", and the subject matter of property insurance is "item". Therefore, although accident insurance and medical insurance included in tourism safety insurance can be purchased in life insurance and property insurance; travel inconvenience insurance for luggage or flights can only be purchased in property insurance companies.
In addition, in terms of rates, the same number of days and content, life insurance is usually more expensive than property insurance. Qiu Zhenghong analyzed that the reason is that life insurance has the so-called "guaranteed renewal", which means that there is no need to refil the guarantee letter. Regardless of whether the situation is good or bad, as long as you pay the fee, the guarantee content can be maintained, so the fee rate is relatively high. For short-term insurance such as Travel Insurance, even if there is no need to renew the contract, it does have an impact on the premium rate.
In addition, many consumers have the habit of buying air tickets by swiping their cards. In addition to enjoying discounts such as mileage accumulation or discounts, they usually also have a certain amount of travel insurance (or flight safety insurance). But it should be noted that unless it is a higher-level card, such as a business card or an unlimited card, or a civil servant national travel card, the general credit card guarantee is only limited to "public transport during the vehicle", that is, the time on the plane.
Travel blogger and also have an insurance salesperson license, Qian'er suggests that on the one hand, card friends should clarify the scope of protection and not ignore their rights and interests; on the other hand, when planning, after considering the existing insurance, consumption surcharge insurance and journey characteristics, then make overall plans with gaps, which will be relatively complete.
It is worth noting that considering the differences between life insurance and property insurance, in addition to accepting existing "packages", you can also apply for insurance based on your own budget or needs.After taking out insurance, can you really get complete protection?
A: Remember "Buy 3 get 2 plus 1"
To ensure that you can get complete protection during your trip, insurance expert Liu Fenghe suggested that you remember the formula of "Buy 3 get 2 plus 1": The so-called "3" refers to "accident insurance (main agreement)" and "injury medical insurance (attached agreement)" and "overseas medical insurance (attached agreement); and "2" represents "overseas emergency rescue" and "tourism inconvenience insurance"; the last "1" is the "flight safety insurance" that is provided by ordinary tickets by swiping a card to buy air tickets.
However, in terms of cost considerations, Liu Fenghe has indeed encountered someone who asked to save less insurance and save more money.
"Of course you can choose to insure, but if you encounter a specific situation, the claim may be controversial," Liu Fenghe analyzed. "If food poisoning occurs, you are the only one who encounters it and no other members have happened, then you may not be able to get the accident insurance claim; if you do not have the accident medical insurance coverage, you will end up empty."
In other words, if a petty-bourgeois traveler has a limited budget, you must first make sure that each project is covered to avoid loopholes. In addition, try to minimize the risk itinerary during the trip, or choose a country that is more suitable for weather or sanitary conditions. After the
loophole is filled, Liu Fenghe suggested that the next step is to consider using cheap tools to ensure "painless upgrade", such as adding Fei'an Insurance. Liu Fenghe analyzed that although the coverage of Fei'an Insurance is limited to flights, "but because the price is cheap, the claims received are quite considerable. For the insured, it is quite affordable and is also something that ordinary salesmen will not sell."
"If you go to Europe, you should pay attention to Schengen Insurance," Qian'er pointed out. Schengen insurance refers to the requirements of the countries of the Schengen Convention that you must purchase "tourism medical insurance" when traveling to Schengen State . Although the EU exempts Taiwan from visas in 2011 and Schengen insurance is no longer a necessary condition for entry, countries have the right to judge the situation. "It is still possible to be troubled by customs because of the lack of Schengen insurance," she reminded. Therefore, it is still recommended to take out insurance and obtain an English investment guarantee.
In addition, for shopping , Zhou Chunru, managing director of financial management website Money101, pointed out that some credit cards will be attached with "global shopping insurance" when shopping. When items purchased by consumers during the insurance period are stolen, robbed or lost, the insurance company that cooperates with credit card will provide compensation.
However, it should be noted that ordinary basic credit cards such as gold cards do not have such protection ; in addition, the amount of compensation can be obtained, even the number of compensation and conditions, such as insured items, precious metals, jewelry, tobacco and alcohol, or the purchase of real estate overseas, are not within the scope of claims, and are not "good and full compensation". How to set the insurance limit of
Q4?
A: First estimate the possible medical expenses, and then return the insurance amount.
spent a lot of money to travel abroad and spend a few thousand yuan to buy insurance, which may not be used - this is the reason why consumers are often unwilling to plan insurance well, or they only have the minimum insurance amount.
Liu Fenghe couldn't help but appeal that although the amount of travel insurance is not as high as possible, under the premise that the budget allows, it is most taboo to only maintain the minimum insurance amount: "Especially for short-term travel, the premium of 2 million yuan and the 10 million yuan guarantee may be only a few hundred yuan." However, if it really comes in handy, the gap between the protection of 2 million yuan is very large.
Qiu Zhenghong suggested that if is a 3-5-day journey, the accident insurance must be at least 5 million yuan. If is like this, the accident medical insurance can be up to 500,000 yuan, which is enough to cover medical expenses incurred abroad.
Of course, if you have accident insurance and medical insurance plans, you may not need to add additional quotas. "The most important thing is to cover as much as you need."
, especially if you travel with elderly or young children, there may be a coverage limit based on the age range of each family. Taking Mingtai product insurance as an example, the maximum insurance amount for aged 20 to 65 years old can reach 15 million, but if it is aged 66 to 75, it will drop to 5 million, and if it is aged 76 to 80, it will be 2 million.In other words, before taking out insurance, you should understand your physical condition and your family in order to prepare for the worst. This is also the most fundamental purpose of insurance.
It is worth noting that although the medical expenses in Europe, the United States, Japan and Canada are relatively high, overseas medical insurance premiums will automatically increase by 1.5 to 2 times, which is something that should be asked clearly before taking out insurance.
Is insurance a bright light? This question may be different, but there is no doubt that although knows how to be smart, it may not necessarily "good luck", at least it can provide buffering on "avoiding misfortune" .
Therefore, no matter whether it is insurance or other financial planning, no matter how developed the Internet technology is, do not regard "convenience" as "careless" and ignore the eyebrows.
Do you want to buy travel insurance when working overseas and traveling around the world?
In addition to short-term overseas travel, many young people will also challenge overseas working travel or "gap year" for more than half a year or even one year.
Whether you are lying in a single country, traveling multiple countries, or even traveling around the world, Qiu Zhenghong reminds that if you are prepared for a long time, don’t stick to travel insurance, but re-planning insurance. "You must never just talk about what to buy or not, but whether you need it or not."
Travel blogger and Qian'er, who has an insurance salesperson license, resigned for one year in 2013 and traveled overseas with her husband. She suggested that travelers who are not only in one country can increase the quota for some itineraries.
"At that time, we went to Japan, Europe and Southeast Asia, medical care was our most important project, so we bought a one-year accident and medical insurance," Qian'er analyzed. They will also make special arrangements for the two-month period in Europe to increase the amount of accidental medical care, overseas sudden diseases and emergency rescue.
claims should be smooth, and pay attention to 4 eyebrows corners
1. File preparation
If you are injured overseas, you must at least obtain a hospital diagnosis certificate and receipt. If the injury involves muscles and bones, you can also ask for an X-ray. In addition, you should communicate with local doctors to clearly indicate the symptoms and causes to avoid disputes during claims settlement.
2. Pay attention to past medical records
. You must get the claim smoothly. In addition to collecting enough evidence at the moment, you should also pay attention before going abroad. Liu Fenghe pointed out that in the past, some people were used to going to the clinic to get medicine in advance, but if they left a record of medical treatment, it may not be possible for you to get a claim for the same cause.
3. Do not wait for medical treatment in the local area
If you are injured or sick during a overseas trip, be sure to seek medical treatment in the local area to prove that your injury occurred is indeed abroad. After obtaining the certificate, even if you have passed the insurance coverage period when you return to Taiwan, you can still use the insurance content and apply for claims.
4. Hospitalization, emergency and outpatient clinics are very different
Whether it is "injury" or "illness", if you are in an emergency or even hospitalized, the claim amount is very different from that in an outpatient clinic. Usually, a 25-year-old adult who travels for 5 days will have an accident insurance coverage of 10 million yuan, and the maximum hospitalization coverage can be 1 million yuan; but if you are on the outpatient clinic, the maximum is 10,000 yuan. Although it is not therefore encouraged to go to the emergency room or hospitalization, the differences in insurance amounts cannot be ignored.
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