Boat and riding three points, let alone overseas.
On July 5, 2018, in Thailand, two ships carrying 127 Chinese tourists were on their way back to Phuket , and suddenly encountered a severe storm. They capsized on Coral Island and Meitong Island, respectively, and 47 people were unfortunately killed.
On July 29, 2018, Türkiye, a bus carrying 31 Chinese tourists had a car accident in Antalya Province. Chinese tourists were injured to varying degrees, including 3 seriously injured.
According to data released by the Ministry of Foreign Affairs, in 2017 alone, various tourism activities safety accidents caused the accidental death of 182 Chinese citizens, making it the number one killer for Chinese citizens to travel overseas.
National Tourism Administration warns: Outbound travel reached 127 million in 2017. Outbound travel is a new thing after all. Chinese citizens are still "novice" compared with Western countries. They lack common sense in international travel, lack awareness of security prevention, and lack self-protection ability.
Accident insurance tailored for overseas travel is undoubtedly a protective tool. Jingge screened out 10 products specially designed for overseas travel from the accident insurance products of major insurance companies and conducted comparison and evaluation.
1. How to choose overseas travel accident insurance? Look at the three major indicators
01 Look at medical insurance
Accident happens. If you are lucky enough to save your life, then high medical expenses will become the heaviest burden for a family, so medical insurance can be said to be the top priority.
02Watch emergency medical transport and return
Emergency medical transport means that if the insured is injured or suffers from a disease, the international support agency will transport it to a local or other nearby hospital that meets the treatment conditions. If it is necessary to return from a medical perspective, the insured will be returned to the place of residence stated in his legal and valid documents.
Emergency medical rescue can prevent the aggravation of accidents. Some accidental diseases must be treated or operated within a certain period of time. Once the golden rescue time is missed, you may be exhausted and you may be in a state of failure. Therefore, we must never underestimate the important role of emergency medical rescue.
03Return fee for the death of the body
If you really unfortunately die in a foreign land, then for Chinese people with a strong sense of rural concept, who would like their relatives to return to their hometown and fallen leaves to their roots? This protection provided by insurance companies is very user-friendly.
2. Evaluation results
Below is the comprehensive comparison and evaluation of 10 overseas travel accident insurances with a 500,000 yuan insurance (click on the large picture)
So is anyone among the 10 models able to take the lead? Next, Jingge will conduct a comparison and evaluation based on the three indicators of "select" and "plus points".
01 medical insurance comparison evaluation
In terms of medical insurance, Pacific Insurance's "Pacific Overseas Travel Prestige Plan D", Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Global Top Plan", Meiya Property Insurance's "American "Worry-free Country Tour" Overseas Travel Protection Plan - Global Version Worry-free Plan", Meiya Property Insurance's "American "Treasure Island Tour" Taiwan Travel Protection Plan Upgrade Plan", all of which are 500,000 in medical insurance, including Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Travel Insurance's "American "Worry-free Edition)-Huize Travel Insurance's "American and Travel Worry-free Edition)-Huize Travel Insurance's "American and Travel Worry-free Edition) has an additional public transportation accident and disability insurance, and 50,000 yuan in death and death due to sudden illness, which is the best among the best.
02 Emergency Medical Transportation and Rebate Comparative Evaluation
In terms of emergency medical transport and Rebate, the "American and Asia "Traveling of the World" Overseas Travel Insurance's "American and Asia "Traveling of the World" Overseas Travel Protection Plan - Global Version of Worry-free Plan" is the best item, and the premium is also of a medium price.
03 Comparative evaluation of the transportation and rebate costs of dead bodies
In terms of the transportation and rebate costs of dead bodies, Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Travel Insurance's Global Top Plan" has the highest compensation.
04 bonus points
a. Travel ID loss guarantee
0 Loss of ID documents when traveling outside is a troublesome thing, which is a waste of time and energy. This guarantee is often lost to the "goldfish" hikers can pay attention to it.
Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Travel Insurance's Global Top Plan" and "Leyou Japan and South Korea-Huize Travel Insurance's Plan III", "Mingya Zhongxiang Overseas Travel Insurance's Plan B", and "Mingya Shijie Overseas Travel Insurance's "Mingya Shijie Overseas Travel Protection Plan C" of Shijie Property Insurance's "Mingya Shijie Overseas Travel Protection Plan C" are guaranteed to lose 5,000 yuan for travel documents.
b. Anti-bank card stealing
Now, the domestic market has basically realized a cashless society, but when traveling abroad, the use of bank cards will be more common. Bank card theft incidents occur frequently, so bank card protection is also very necessary.
Qianhai Property Insurance's "Leyou Japan and South Korea-Huize Travel Insurance Plan III", and Meiya Property Insurance's "American "Traveling of the World" Overseas Travel Protection Plan - Global Version of Worry-free Plan" has a compensation of 10,000 yuan for bank card stealing. Hikers who often go out to swipe cards can pay attention to this considerate guarantee.
c. Smartphones and tablets were stolen
It is very common for stolen phones abroad. Some members of the Whale Ge team were once sneak attacked by "empty hands" on the streets of Spain, and the phone was gone without a trace, and they were heartbroken!
Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Travel Insurance's Global Top Plan will compensate 4,000 yuan, which is also the conscience of the industry.
3: Ultimate evaluation results
According to the comprehensive evaluation of three indicators and bonus points, Jingge found that Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Travel Insurance's Global Top Plan has repeatedly won the top spot in the four comparative reviews. Although it is slightly inferior in terms of emergency medical transportation and return, it also ranked second with a compensation of 1 million; among the three bonus points, two also topped the list.
To sum up, Qianhai Property Insurance's "Leyou Global (Business Travel Worry-free Edition)-Huize Travel Insurance's top global plan" is excellent in all aspects, and Whale Ge is recommended.
Jingge Evaluation is a professional third-party evaluation institution focusing on the financial field. It has now built an evaluation model for insurance, bank wealth management, trust, Internet baby and other products, and extended it to more investment and financial management fields such as funds. If you want to get more evaluation information on high-quality financial products, please follow the official subscription number of Jingge Review (jinggecepting).
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