It is the hot summer again. Have you put your plan to travel abroad on the agenda? Before traveling abroad, purchasing overseas travel insurance is essential.
How to buy an overseas travel insurance that suits you? The editor uses four steps to teach you how to buy overseas travel insurance .
Step1: Understand the relevant policies of traveling countries
Understand the visa requirements of the target country for overseas tourists. Different countries have different requirements for overseas tourists. Some countries have clear requirements for insurance types, some countries have requirements for the protection limit, and some countries have clear requirements for the insured insurance companies.
If the destination of the trip is France, Germany, Italy, Spain and other countries under the Schengen Agreement, the travel insurance purchased must include medical insurance , and the coverage must not be less than 30,000 euros. If the destination is Southeast Asia, the United States, Africa and other countries, the purchase of medical insurance is not mandatory and has little impact on visas, so you can choose to purchase it.
However, the editor suggests that just in case, you should still insure an overseas medical insurance .
Step2: Follow the actual needs and choose the most important insurance type to insure
There are many types of overseas travel insurance on the market, but the main protection functions are all three categories: accidental injury insurance, medical insurance and SOS international rescue services. We don’t have to insure every type of insurance, the more protection functions, the more expensive the premium. Therefore, according to actual needs, just choose the most important type of insurance to take out insurance.
The main function of accidental injury insurance and medical insurance is to provide financial compensation after accidental death or disability and to provide compensation for medical and related expenses when encountering an accident or sudden emergency.
What needs to be emphasized is SOS international rescue services, which mainly go through a 24-hour multilingual rescue hotline, including transporting the insured to the hospital, providing medical information arrangements, hospitalization advance payment of medical expenses, and directing the nearest embassy. It is still very practical for travelers who are new to overseas.
Step3: The coverage amount is determined based on the country of travel and the amount of coverage of
should refer to the number of travel days and the consumption level of the travel destination. Outbound Travel insurance should refer to the number of travel days and the consumption level of the travel area.
As mentioned in the Schengen Agreement, countries with rigid regulations shall not be less than 30,000 euros, or about 250,000 yuan; for countries without mandatory requirements, if the local prices and consumption level are high, the coverage of overseas travel medical insurance should be more than 100,000 yuan; but when going to Asian countries such as Southeast Asia or South Korea, due to the generally short trip, the coverage of medical insurance should be around 100,000 yuan.
Step4: See the insurance terms and clarify the claims matters
Buy any insurance, and the terms and related claims matters should be paid attention to. Some overseas medical insurances will implement medical advance payment. If not, we must keep the medical documents and pay attention to various expenses to avoid unnecessary medical expenses. Otherwise, the insurance company will not pay compensation.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-