How to buy overseas travel insurance with confidence?
Beijing Insurance Regulatory Bureau: Pay attention to disclaimer and rescue services, choose the appropriate insurance amount, save relevant certificates
Ms. Li's family originally planned to travel to Osaka, Japan in the past few days, but because of the Osaka earthquake , this trip was cancelled for safety reasons. Since she had purchased an outbound travel insurance, Ms. Li avoided the economic losses caused by refunding her air tickets and hotels.
Summer is approaching, and the peak of outbound tourism will also come. As people's awareness of insurance increases, like Ms. Li, buying a travel insurance before going out for a trip has become a wise choice. The Beijing Insurance Regulatory Bureau issued a tip on purchasing overseas travel insurance yesterday, so that you can buy with confidence and buy with confidence!
There are many travel insurance products. Don’t be blinded by the
There are many types of travel insurance products on the market today. Major insurance companies have overseas travel products sold. When people book hotel air tickets online, many recommendations about insurance will also appear. In fact, these overseas travel insurances only have geographical differences in coverage, and the insurance prices vary with the length of coverage. Consumers mainly choose based on the coverage scope protected by the insurance.
The insurance purchased by Ms. Li is an Asian travel overseas insurance. The price for each person is 138 yuan in 9 days. The content of this insurance is relatively comprehensive, including five items: journey obstacle protection, personal property protection, personal accident and medical insurance, emergency rescue and personal liability. Among them, the "travel change" in the journey obstacle protection clearly stipulates that due to the riots at the destination, strikes of the public transportation carrier employee, severe weather, and natural disasters, the insurance company shall compensate for all prepayments that are actually unused and non-refundable travel expenses lost due to the change of the journey. It is because of this clause that Ms. Li received compensation when she refunded the air ticket and the hotel, avoiding losses.
In addition to this type of travel insurance , which has a relatively comprehensive coverage, it also has insurance specifically for canceling hotel reservations, special accidents, journey delays, property losses and other insurances. Consumers can purchase according to their needs. Regarding accidental injury insurance, the Beijing Municipal Insurance Regulatory Bureau reminds that accidents occurring in high-risk projects such as diving, bungee jumping, and skydiving often do not fall within the coverage of ordinary accidental injury insurance. If consumers want to participate in such projects, they can consider insured with additional high-risk sports accident insurance.
How to buy insurance with confidence? Focus on four points
0. Beijing Municipal Insurance Regulatory Bureau also reminds that you should pay attention to the following points when purchasing overseas travel insurance:
. First, choose the appropriate insurance amount. There are differences in consumption levels and medical policies in different countries and regions. For example, the medical expenses in the United States, Japan, , Singapore, and other countries are relatively high. Consumers should fully consider the consumption level, relevant policies and their own situation in the travel area and choose the appropriate insurance amount.
The second is to pay attention to the disclaimer clause. Many medical expense compensation insurance covers medical expenses caused by accident and sudden diseases, and the medical expenses incurred by consumers due to previous diseases during their travels are not covered by the coverage. In addition, accidental injuries caused by war, military operations, terrorist activities, etc. during travel are not covered by the insurance coverage of accidental injury. When purchasing overseas travel insurance, consumers should carefully read the disclaimer terms of insurance products to understand what the insurance purchased can and what is not covered, so as to avoid causing disputes.
The third is to pay attention to rescue services. The global rescue agencies that different insurance companies cooperate with are different, and the content of rescue services is also different. If consumers purchase insurance products with emergency rescue service terms, they should ask the insurance company for the qualifications of the rescue agency, the content and procedures contained in emergency rescue, etc., so as not to fall into a passive position abroad.
Fourth, pay attention to saving relevant proofs. In any emergency situations occur during overseas travel, consumers must keep relevant certificates, such as the alarm certificate after financial loss, the delay certificate issued by the airline after flight delay, the hospital receipt, etc., so as to apply for claims from the insurance company in the future.
Beijing Morning Post reporter Wang Li
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