Dr. Tong/Wen
The day before yesterday, many people were forwarding and commenting on this message:
The information was originally posted on Weibo and was forwarded and commented in large quantities. The blogger's parents went to Iran to travel, but unfortunately encountered a serious car accident. Because they had taken out Ping An overseas travel insurance, they had the protection of emergency rescue and body repatriation. Therefore, the blogger contacted Ping An and Ping An emergency service provider Oule Rescue. It was found that both parties were extremely efficient in their work and lost the meaning of "emergency" rescue.
(the coverage of the blogger's parents' overseas travel insurance)
to be fair, no matter whether it is the body repatriation. , or medical transportation, there is nothing wrong with the information needed, but the blogger in Chengdu should not be provided. Instead, the emergency rescue provider (Ping's Ole Rescue) contacts the Iranian hospital or police directly. If necessary, you must go to the hospital as soon as possible to evaluate whether the blogger's father can be transferred to the medical transportation and handle the procedures for the blogger's mother's body. Therefore, it is not wrong to say that Ping'an's service is not effective this time.
I will explain why the information is required, not insurance companies or Ole Rescue the difficult customers.
The body must be returned with a death certificate: first, identity confirmation and relative authorization, it must be proved to be a state of death, rather than deep coma or hemorrhagic shock. Whether the transporter goes to the embassy to apply for a return visa for the body, or cremation in the local area, a death certificate is required. The death certificate is issued by the local hospital or the police.
Medical transportation needs to be evaluated by the doctor: I am reading a book "Medical Discourse: The Stories in the ICU", and I know Not all injured and patients can withstand the path of transshipment, and it may be counterproductive if they are not done well.
Overseas travel insurance, what I value most is emergency rescue and medical insurance. If an accident occurs, time is life, so it is correct for everyone to complain about Ping An’s after-sales service. Ping An’s crisis public relations are also timely. On the afternoon of the 11th, I issued a notice saying:
has helped the blogger’s father to transfer to a hospital with better conditions in the local area;
has coordinated doctors from famous Grade A hospitals in Beijing to Iran to assist in clinical judgment;
has arranged two safe staff to go to Iran to connect with bloggers;
has coordinated to prepare the body delivery service, and it will be started after the relatives are authorized.
hopes that every claim and rescue will be based on contract, and their respective rights and obligations are clear, rather than needing to rely on public opinion, otherwise the cost of protecting each of us will be too high and too tired.
There are objective reasons why Ping An’s poor service this time is outsourced to a third party (Ole Rescue). As for this accident, the communication and running-in efficiency between the two parties is too low.
In recent years, more and more Chinese people traveling abroad, and the incidence of accidents is also increasing. At present, when applying for a visa for outbound travel, European Schengen countries need to purchase insurance with an overseas medical quota of 300,000 yuan. After this incident, several friends Ask me how to buy travel insurance overseas?
two inspection points:
medical expenses and medical transportation quota should match the medical level of the tourist country, and it is best that the insurance company can advance payment;
Emergency rescue and insurance company relationship, if the rescue company is directly affiliated with the insurance company, communication will be much faster.
In the comments on the above incident, some netizens recommended overseas travel insurance of Meiya and Allianz and shared their own experiences. The Meiya and Allianz travel insurance recommended by
are both very reliable. As for emergency rescue alone, both of these companies have their own directly affiliated rescue companies.
Meiya Insurance Company (AIG, the original parent company of AIA, sold AIA during the subprime mortgage crisis) is the exclusive international travel rescue company called Travel Guard specializes in providing a variety of travel insurance solutions and global assistance services, and its service network is spread all over the world. Customers holding travel insurance in the United States can seek help after a trip accident occurs by calling Travel Guard Global Service Hotline 400-888-3080 or overseas rescue hotline +8621 5298 9068.
German Allianz Insurance Group is the largest insurance company in Europe. The emergency rescue company used is called Allianz Worldwide Partners, which is a subsidiary of Allianz Insurance Group. In case of danger during the trip, you can call their 24-hour rescue phone number: overseas (+8620) 85132999; domestic 400-800-2020.
When taking out insurance, you must look at the exemption of liability in the terms (such as whether diving and rock climbing are guaranteed), and the protection area (generally, areas of turmoil and war are not guaranteed, such as Syria , Afghanistan , Pakistan , etc.). The following are a few examples to illustrate the situation under which overseas travel insurance and emergency rescue are used.
There are two situations for medical transportation. One is to transfer to a hospital with better medical conditions nearby; the other is to transfer to the permanent residence of the insured. Please see two cases of Meiya Insurance :
Case 1:
On August 16, 2012, 46-year-old Mr. Li was hit by a fallen forklift during his overseas trip, and was injured in multiple parts of his body and had fractures. Due to the lack of medical conditions in the local area of the incident, Travel Guard arranged a special medical plane to Paris for surgery based on Mr. Li's physical condition and medical needs. After about 2 weeks of hospitalization, Travel Guard arranged for medical escort to Mr. Li to take business class to return to his daily residence.
Case 2:
In 2015, Mr. Zhang encountered an accident in a car in New York and was hit by an oncoming car. The insured person has partially injured his intestine and needs surgery and needs to stay in the intensive care unit after the operation. Because Mr. Zhang does not have enough funds to pay for the high medical expenses, he is also worried about the arrangements for returning to China after being discharged from the hospital. Travel Guard pays for medical expenses based on the insured's physical condition and medical needs. Travel Guard arranged emergency medical transportation back to China, and promoted Mr. Zhang's seat to a business seat, and the wheelchair arrived at the door of the aircraft cabin, providing luggage assistance and car pick-up services.
Case 3
In 2015, the Allianz Rescue Center received a call from the insured Ms. Yang’s daughter, Ms. Jiang, and informed her mother that she had a sudden cerebrovascular rupture during her trip to Denmark and had been admitted to the local hospital.
Allianz launched an emergency plan, and the medical consulting team organized an emergency meeting overnight to discuss the patient's condition and rescue plan. It immediately decided to send a medical team to Denmark to cooperate with the subsequent rescue. Through a 13-hour flight, the medical rescue team arrived in Denmark and held the first consultation meeting with local doctors as soon as possible to understand the patient's first-hand situation. It was decided to transfer Ms. Yang back to the country for treatment. During this period, the doctors and nurses sent by Allianz Rescue were accompanied throughout the whole process.
Ms. Yang arrived at Guangzhou Baiyun Airport safely at 9 pm on July 13, 2015, and was directly sent to Nanning First People's Hospital by an ambulance waiting on the apron to continue the follow-up treatment. At this point, the transfer task was successfully completed, with the total cost exceeding 1 million yuan, including medical expenses, and all of them were borne by the insurance company.
Let me talk about it again. Emergency rescue is divided into first-site rescue and second-site rescue.
First on-site rescue generally refers to the situation where the person in distress is still at the scene of the accident or is still in danger and needs to be sent to the hospital for emergency treatment. Saving people is like putting out a fire. Therefore, if you have any danger in traveling abroad, please contact the local public functional departments as soon as possible, such as local 120, 110, etc., to obtain the fastest treatment.
The medical rescue of insurance companies is generally the second on-site rescue. For example, after an accident occurs, the medical level of the hospital in which the insured is not good. The authorized doctor of the rescue agency will evaluate whether medical transportation is required based on the insured's physical condition at the time and refer to the advice of the attending doctor. There are two situations for medical transportation. One is to send it to a hospital with better medical conditions nearby; the other is to send it to the permanent residence of the insured.
However, in some cases, insurance companies also provide services to the first rescue site. For example, if a customer is in distress during a low-court mountaineering or outdoor hiking, the insurance company’s emergency rescue service will arrive at the site faster than the local public functions. It is not impossible for insurance companies to send helicopters to rescue them.
Insurance companies only provide emergency rescue services. If the insured disappears, the search and rescue company is done by the police.Let’s take a look at another case:
Some overseas travel insurances have a limit on the amount of medical transportation in the Nepal area, because there are many people climbing here, and the probability of accidents is too high. The insurance premium of several hundred yuan, once the insurance is in danger, the helicopter cost of hundreds of thousands is too risky for insurance companies.
In addition to American and Allianz, the emergency rescue of Slide Company is also good, but because the medical and emergency rescue quotas are low, it is not recommended.
Whether it is America, Asia, Allianz, or the Stalker, I believe many people have never heard of it. In fact, there are currently about 200 insurance companies in China, and everyone can choose from a larger range through insurance brokers.
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