"If you have money or not, go home for the New Year." In the past, the only choice for the Spring Festival was to go home for the New Year. But now, the living standards have improved and the consumption capacity has also improved. Traveling abroad has become a new way for more and more people to celebrate the New Year.
On December 12, 2016, the domestic online travel agency Ctrip Travel released the "2017 Spring Festival Tourism Big Data Report", which is expected to become the hottest Spring Festival in history for traveling and spending the New Year abroad. It is expected that the number of outbound tourists will exceed 6 million. The Chinese Spring Festival will become the global tourism golden week. Destinations such as Thailand, Japan, the United States, Australia, South Korea, and the Philippines are the most popular.
What is even more gratifying is that on the basis of the gradual upgrade of consumption concepts and consumption methods, the citizens' awareness of risk warning is gradually strengthening. Buying a reliable overseas travel insurance before traveling has become a standard configuration for traveling abroad. If you are also one of the "high-end" people who go abroad to travel, don't forget to prepare insurance before departure. If you don’t know how to buy it, then take a look at these suggestions first.
1. Choose insurance according to travel time
Any overseas travel insurance product has a protection period. When taking out insurance, pay attention to matching the travel time and the protection period. Generally, the insurance period of is . In order to prevent accidents from extending the travel period, the insurance period is best to be greater than the travel period. If a temporary trip change occurs, attention should be paid to adjusting the coverage period of the selected insurance.
Usually, the optional coverage period for overseas travel insurance ranges from 1 day to 1 year, and the single travel time generally does not exceed 180 days.
2. Buy insurance according to the destination
If the destination of the travel is different, there should also be different emphasis on the choice of overseas travel insurance. For example, in European Schengen countries, there is a necessary condition when applying for a visa: the amount of tourism medical insurance must not be less than 30,000 euros. Therefore, the coverage of medical insurance is the key to traveling to these areas. In addition, when traveling to countries with developed economies and high medical standards such as the United States, Japan, Canada, and Australia, the medical insurance coverage should not be low, and it is best to have a maximum of more than 300,000 yuan.
Another thing to note is that insurance companies do not insure countries and regions that are in a state of war or have been declared a state of emergency. Of course, if we cherish our lives, these places will generally not be visited.
3. The protection content must be clarified
Generally, basic overseas travel insurance includes accidents, medical care, emergency medical rescue protection, slightly more comprehensive can include travel delays, checked baggage delays, checked baggage loss, family property protection during travel, etc., while more comprehensive may cover the loss of documents, bank card theft, personal property theft or robbery, and personal liability insurance.
Generally, the more protection functions, the more expensive the premium. Therefore, when taking out insurance, the insured can choose according to the actual situation of the individual. The most basic thing is to choose the required type of insurance among the four most important types of insurance: accidental injury, medical insurance, itinerary delay and international rescue services.
4. Emergency rescue guarantee must not be missing
During the trip abroad, due to unfamiliarity in the place and language barriers, we often feel at a loss when an accident occurs, and may delay the best rescue opportunity. Therefore, emergency rescue is a crucial service for overseas travel insurance and must not be missed. They can provide more professional and efficient rescue services such as medical transfer. If the insured has an accident abroad, they can provide assistance from professional rescue agencies as soon as possible.
The world-renowned professional international rescue agencies include: International Rescue Organization SOS, Europ Assistance, the United States International Support Services Company, Euro Alam and Euro Center controlled by Munich Re Group, and AXA Aid Group, etc., which can provide quite professional and efficient rescue services.
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