Does Chinese Life have an insurance for outbound travel called the Leyou World Diamond Plan?

Accidental Death & Dismemberment Benefit $300,000.

Double compensation of 300,000 yuan for injuries caused by public transportation.

Death from acute illness is 20,000 yuan.

Overseas self-driving accident injury of 100,000 yuan.

Medical compensation for accidents and sudden illnesses (including outpatient and hospitalization expenses) is 300,000 yuan, and medical compensation for pre-existing diseases is 1,000 yuan.

Food poisoning $5,000.

$1,000,000 for emergency medical evacuation and repatriation.

The body of the deceased will be repatriated 1 million yuan.

Compensation for condolence and visiting expenses is 15,000 yuan.

Travel changes are $10,000.

Travel delay $1,200.

Baggage delay is 2000 yuan.

Loss of travel documents $8,000.

Visa refusal (70% of the loss of visa fee after visa refusal) 300 yuan, kidnapping and illegal detention, 400 yuan per day.

Compulsory isolation of infectious diseases comfort allowance 500 yuan per day.

$20,000 during a state of emergency.

Bad weather compensation at the travel destination is 500 yuan.

Personal belongings: 2,000 yuan.

$2,000 for mobile phones and tablets.

During the trip, the family property protection is 5,000 yuan.

Bank card fraud 15,000 yuan.

National life is still national life wealth, it doesn't seem to be. Or it's a custom channel product.

1. When purchasing Chinese Life Overseas Travel Insurance, you should choose insurance according to different destinations. Different countries have different requirements for foreign tourist visas, some countries have clear requirements for insurance types, some countries have clear requirements for insurance amounts, and some countries have clear requirements for insurance companies. Taking the European Union as an example, to go to EU countries, applying for travel medical insurance has become a prerequisite for issuing a visa, and Russia and other countries also have similar regulations.

In addition, some countries also have certain requirements for the amount insured, such as Germany, which stipulates that the minimum amount of insurance must not be less than 30,000 euros. Not only that, the requirements of various countries for Chinese citizens to enter the country with the original insurance policy are not the same, some are stricter in Huaizhou, some are relatively relaxed, and even the requirements for different ports of entry in individual countries are different. Therefore, it is best for consumers who have purchased travel insurance to keep a copy in China and carry the original policy with them.

Second, the purchase of Chinese life overseas travel insurance should pay attention to "insurance rescue". The practice of combining "insurance" with "rescue" has become an international trend. Going abroad, the risk naturally increases.

When tourists face language barriers and accidents in an unfamiliar environment, or when they are unfamiliar with local regulations and cause legal disputes, it is easy to find a situation where they have no way to turn for help, but with travel assistance insurance coverage, it is much more reassuring. Once the policyholder is out of danger abroad, as long as the rescue agency cooperated with the insurance company is contacted, the rescue company will provide one-stop services, including ** rescue, arranging family members to visit patients abroad, etc. In addition, when insurance companies provide overseas emergency assistance, especially medical assistance, most of them are paid by the insurance company through the rescue cooperation agency, and then "settled" with the insurance company after the tourists return.

Chinese Life travel insurance products are very rich, Chinese Life overseas travel insurance which is good, consumers need to choose according to the characteristics of specific insurance products and their own needs. How to buy China Life overseas travel insurance, but also pay attention to the insurance payment method. Chinese Life overseas travel insurance products also break through the traditional operation mode of "self-pay first, claim later" of previous travel accident insurance products, and all emergency rescue expenses within the scope of responsibility incurred overseas will be paid directly by AXA Assistance, which is conducive to timely progress after the accident**.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Chinese life insurance types include children's insurance, health insurance, pension insurance, protection insurance, two insurance, accident insurance, additional insurance, participating insurance, group (enterprise) annuity, etc.; According to the different age groups of the policyholders, it has also launched insurance products for children, young and middle-aged people, and the elderly.

In this regard, let's introduce its insurance types in detail.

Participating insurance includes: Participating insurance is a life insurance product in which the insurance company distributes the actual operating results of the previous fiscal year to the policyholders according to a certain proportion after the end of each fiscal year.

Types of insurance: China Life Fulu Baby Insurance (Participating), China Life Fulu Life Insurance (Participating), China Life Fulu Full Hall Pension Insurance (Participating), China Life Hongshou Annuity Insurance (Participating), China Life Fulu Exclusive Insurance (Participating), China Life Fulu Gold Insurance (Participating), China Life Fulu Double Happiness Insurance (Participating), China Life Hongying Insurance (Participating), etc.

Accident insurance includes: Accident insurance refers to life insurance that pays insurance benefits based on the death, disability or hospitalization of the insured caused by an accident. Chinese Life Insurance provides you with all kinds of ** direct sales products such as traffic accidents, comprehensive accidents and travel insurance, and the online purchase of Lu Blind is easy and cheap.

Types of insurance: China Life Anxin Insurance Portfolio Plan, e-Citizen Exit Insurance Plan, e-Family Portrait Insurance Plan, e-Family Insurance Plan, e-Domestic Travel Insurance Plan (Day Trip), e-Domestic Travel Insurance Plan, e-Integrated Transportation Accident Insurance Plan, e-Aviation Accident Insurance Plan, etc. Medical insurance has:

Medical insurance refers to the insurance that takes the occurrence of medical acts agreed in the insurance contract as the condition for the payment of insurance benefits, and provides blank coverage for the medical expenses of the insured during the period of diagnosis and treatment.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! On the whole, Chinese Life Insurance is a good insurance company, and the insurance products are relatively complete. However, for individual policyholders, in addition to paying attention to the value of the insurance company, we should pay more attention to whether the actual insurance product is suitable for our protection needs, so it is recommended that you first combine all aspects of your own situation, and go to the insurance company or professional online insurance platform to compare and consult with specific life insurance products to be more reliable.

Here are a few steps you can take to find the right travel insurance for you

1. Filter according to travel time; You will need to choose the right international travel insurance plan based on the length of time you plan to travel, and the coverage of the insurance plan needs to cover your entire trip, preferably a little longer by a day or two.

2. Filter according to the information of the region to be visited; Travel to Southeast Asia, North America, the Schengen area, etc., there are corresponding plans specially designed for regional characteristics, and you can choose to purchase them.

3. Screening according to the scope of insurance and the amount insured; You can filter according to your desired coverage and sum insured to give you a safe and enjoyable trip.

Hope it helps.

The choice of insurance is based on your own needs, there is no best, only the most suitable.

Do you mean to simply go on a trip and then take out short-term insurance?

1. Short-term accident insurance.

Before studying abroad, be sure to purchase insurance. Because medical insurance and accident insurance can provide cash compensation in the event of sudden illness or accident, especially in some countries with high medical costs, this compensation will greatly reduce the burden of medical expenses for international students. Accident insurance is the first protection that international students should have, and it can be purchased in China.

At present, the major insurance companies have specially designed open insurance for outbound personnel, with coverage ranging from a few days to one year, and the coverage generally includes accidental death and disability, medical expense reimbursement, and some financial loss protection. For example, Chinese Life's "China Life Chinese Citizens Overseas Accidental Injury and Emergency Rescue Insurance" has a coverage period of one year, and the coverage mainly includes accidental death and disability, overseas assistance emergency outpatient services, etc. The difference in coverage and sum insured is not very different from that of insurance bought abroad, but the premium is much cheaper.

2. Medical insurance and health insurance.

When applying for insurance, you can buy international student insurance in two steps, both domestic and foreign. The student visa is generally signed for 90 days first, and you can buy 90-day overseas travel insurance first, and then renew it locally. Compared with general medical insurance and accident insurance, overseas travel insurance has taken into account the difference in the level of medical expenses in different countries in the product design, and has also added international rescue services, and the compensation level is relatively higher.

However, the longer the foreign travel insurance**, the more expensive it is.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"