Travel abroad, the exotic style makes people linger, but sudden accidents can also catch us off guard.
Recently, a girl on Weibo revealed that her parents were in a serious car accident in Iran . Her mother died and her father was seriously injured and she urgently needed emergency rescue. She expressed her anger at the inaction of the insurance company.
I believe many people must have many doubts about emergency rescue. Today, Shenlan Jun will use an article to see how to choose a travel accident insurance? The main content is as follows:
1) Real case, how to save emergency rescue?
2) Comparative analysis of 6 global overseas travel accident insurances
3) What else should I pay attention to when traveling abroad?
1. Case analysis, emergency rescue review:
Many people’s impression of emergency rescue is that when an emergency occurs, helicopters will fly to us immediately to carry out rescue.
But after learning from multiple sources, Deep Blue found that the actual situation was far from being as simple as we thought. Let’s use a real case to restore the entire emergency rescue process and restore the true face of emergency rescue.
Guangdong couple A went to a Southeast Asia island during the Spring Festival holiday and purchased a travel accident insurance before departure.
A Mr. was hit by the propeller of another nearby ship when he got ashore at the diving site. He was seriously injured in the head and was confirmed to be dead during the rescue journey to the hospital. The insurance company later received a call for help.
Review of emergency rescue process:
Day 1-3:
Rescue agency received a call for help, providing claims guidance, and assisting in contacting hospitals, police and embassies
Chapter 4 Day:
Receive death certificate , start the body transport procedure
After the rescue agency receives the body from the police station, performs anti-corrosion treatment
Day 5:
Rescue agency applies for the required documents to the local police and embassy and notarizes it, arranges the body to be transported from the island to the airport
Chapter 6-10 Day:
Prepare all the remains to transport related documents
Arrange the remains to return to China
The case above was heard by Shenlanjun's colleagues at an internal sharing meeting. Compared with the hot "Safe Iran Incident", I think there are the following key points that can be discussed with you:
1. Which insurance company is the fastest?
Because the environment, language, customs, and laws and regulations of different countries are different, the actual situation of each rescue of is different, and it is difficult to say which one is faster.
0 Ping An Insurance partner in the Iran accident - Oule, was founded in 1907 and is of German quality. so it cannot be said that foreign-funded companies must be good, while domestic companies must be bad.
2. Will the rescue agency slacken?
The local police will definitely intervene in the investigation in cases of death abroad, ranging from 3-5 days or as long as several months. This time is artificially uncontrollable.
No matter which rescue agency, the family needs to provide death certificates to carry out the body transport work. However, an experienced rescue agency in will assist customers in obtaining information, and will also adopt special processing methods for to handle flexibly if necessary.
In this Iran incident, the main reason was that there was a gap between the expectations of the family and the rescue agency operations, which caused conflicts. In fact, rescue agencies and insurance companies also carried out in accordance with regulations and guidelines.
Through the above case, Shenlan Jun hopes that everyone can take the emergency rescue calmly and objectively, and understand the specific details of the entire process.
2, 6 global overseas travel insurance comparison and analysis
In order to solve everyone's problem, Shenlan Jun selected 6 overseas travel insurances that are relatively comprehensive on the market, and compared them with Ping An's products in the "Iran incident". The comparison products are as follows:
Ping An Property Insurance Antu Asia Overseas Travel Insurance (Iran incident)
History of the world Diamond plan
Meiya Insurance Thousand countries travel global perfect plan
AXA Tianping Overseas travel insurance Diamond Plan
Zhong'an Overseas Travel Accidental Injury Insurance
Allianz Travel Global Travel Guarantee Plan
Ping An Property Insurance Global Diamond Plan
Without further ado, just go to the picture:
The party involved in the Iran incident chose to protect Asia's accident insurance. Because the coverage is relatively low and the coverage is relatively small, the price will be relatively cheap.
Directly tell the conclusion:
If you value emergency rescue services: Meiya's [World Travel Track], AXA Tianping's [Overseas Travel Insurance], and Shijie's [Leyou Global] are all settled directly based on actual fees, with no limit, and they are all their own rescue agencies, which eliminates the steps of third-party cooperation authorization, and subsequent services will be more convenient and fast.
If travel includes high-risk activities: recommends focusing on the exemption part of tourism accident insurance. In the chart, ZhongAn’s [Overseas Travel Accident Insurance] expanded high-risk sports are the most complete, including high-risk sports such as skiing, skydiving, rock climbing, diving, driving karting, bungee jumping, etc., suitable for friends who like to explore.
If you pass through high-risk countries: Ping An [Leyou Global] can be guaranteed by countries except mainland China, including countries or regions with state of emergency, but it will be reduced to 10% of the original coverage, which is suitable for short-term staying in high-risk countries and friends who are worried about not having protection.
In fact, traveling abroad is a very personalized thing. Everyone pays attention to different points. Deep Blue Jun just gives everyone a direction to choose. The specific product to choose must be decided based on their actual situation and destination.
3. How to choose travel accident insurance?
There are many types of travel insurance sold online now, and the prices are also cheap, ranging from dozens to hundreds of yuan. It is easy to buy. How to choose?
Shenlan Jun suggests that you should screen some products based on the following points and in accordance with your own needs:
1, High-risk Sports and Disclaimer
If the itinerary contains high-risk sports such as diving, skiing, skydiving, etc., be sure to choose products that contain high-risk, and be sure to look at the insurance disclaimer quotations.
Because Shenlan Jun also loves diving, when I selected the product, I found that some products have high-risk sports that do not guarantee diving, or snorkeling, and there are certain differences in the requirements for diving in different products, so the disclaimer clause of travel accident insurance must be found.
2. Pay attention to travel destination
Most overseas travel insurances do not cover the travel to countries or regions that are in a state of war or have been declared a state of emergency.
Take the terms of the Sword Property Insurance as an example:
In any case, this product does not cover any direct or indirect travel to or through Somalia , Libya , Liberia , Syria , Afghanistan , North and South Sudan , Democratic Republic of the Congo , Iraq , Central African , Yemen , Palestine and countries or regions that have been in a state of war or have been declared a state of emergency when they were insured, or insurance accidents during travel in the above countries or regions.
So before purchasing, be sure to find out whether the country you are going to be under coverage.
3. Accident and medical insurance is high enough
The foreign medical system is completely different from that in China. If there is no insurance, cold, fever or wound treatment may be 10,000-20,000 yuan, so it is recommended that the medical insurance for accidents and diseases should be high enough.
Shenlanjun has sorted out the costs of some common treatment projects. You will know it after feeling it:
4. Emergency rescue service
In an unfamiliar environment, the rescue agency will use multiple resources to provide services to us. Therefore, Shenlanjun recommends that you must buy products containing emergency rescue services for overseas travel.
Each rescue agency has its own branches and service providers around the world. When choosing products, it is recommended to choose rescue agencies with branches in the local area, which will be more secure.
In addition, once emergency rescue is used, the cost will be relatively expensive. Therefore, when choosing a product, Shenlan Jun recommends trying to choose products without limits to minimize your losses.
4. What else should I pay attention to when traveling abroad?
According to statistics, the risk rate of traveling abroad is quite high. In unfamiliar cities, foreign food, and unfamiliar traffic rules all add uncertainty to travel.
Here, Deep Blue Jun will give you some tips:
1. Save your passport well
0 Passport is equivalent to our ID card abroad. If your passport is lost abroad, reissue it is very troublesome. To avoid this situation, Deep Blue Jun recommends that you can take a photo of your passport or save a copy before traveling and hand it over to other friends to save and back up.
2. Be sure to buy insurance
You can’t think everything is going well just because the travel agency says you have bought the insurance, because in order to control costs, the insurance coverage may not be high.
To be safe, you should still choose a suitable commercial insurance based on your travel plan. The content of the emergency rescue service of an insurance company in the picture below:
Only a fee of 100-200 yuan can be purchased, and this money cannot be saved.
3. Don’t panic when encountering problems, actively cooperate with
. If emergency rescue services are really needed abroad, it is recommended to contact the local police station and embassy first. After all, in other countries, local functional departments will be more efficient.
also contact the insurance company in time to start the emergency rescue process. The insurance company generally verify the following information:
Who is asking for help and how to contact;
The identity of the insured person, the policy number and other identities are verified;
The disease The process and current situation of illness or accidents;
The name of the local hospital or police officer, etc.;
Shenlan Jun’s usual position is that professionals do professional things, because they are in trouble, they may not be able to make the most reasonable choices and judgments, and the rescue agency has already had sufficient experience and processes, and the experience in handling things will be richer than us.
5. Written at the end:
At the beginning of last month, Shenlanjun and his friends went to Bali for a trip. Some of them tried scuba diving and were very excited.
Dark Blue Jun still remembers that when the coach was guiding us the movements, a coconut tree about 2 meters away from us, a big ripe coconut tree fell to the ground with a "bang" and fell to pieces. Everyone looked at each other, fortunately they were shocked and safe.
When I was looking for products, I also found that the sales of travel insurance are actually very high, which shows that travel accident insurance has become a necessity for most people to buy before going abroad. I also hope that today's article can help you choose the right products.
I wish you come with excitement and return with excitement :)
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