There are so many overseas travel insurance, how to buy it

Nowadays, with the continuous improvement of people's living standards, there are more people who travel abroad, and outbound tourism has become a hot topic. You need to buy some travel insurance when you go out to travel, and there are many overseas travel insurances on the market, including some accident insurance, medical expense compensation, flight delays, property damage and many other insurances.

In the face of so many travel insurances, when buying these travel insurances, we must also keep our eyes open, and we must not deceive these insurance policies. Travel is full of unknowns, so buying travel insurance has become a must-have. Overseas travel insurance refers to an insurance that can compensate for accidents that occur during the user's overseas travel, including rescue, medical expense reimbursement, hospitalization expense compensation, etc.

Generally, Chinese-funded insurance companies do not pay for accidents and injuries that occur abroad. However, although some Sino-foreign joint venture insurance companies do not limit the type of hospital for critical illness insurance claims, they also require a certificate of diagnosis from a domestic hospital to make a claim. Therefore, when problems occur abroad and want to be solved abroad, you can only rely on overseas travel insurance.

For outbound travel, the most feared thing may be illness. Because of long journeys or adaptation, the risk of getting sick when traveling abroad is greatly increased. However, many countries currently have high levels of medical expenses, and high medical costs can add a large burden to travel.

In this case, in order to alleviate the risk of huge medical expenses during overseas travel, it is a wise choice to choose a suitable overseas travel insurance policy before departure. If you purchase overseas travel insurance, you can immediately receive compensation from the insurance company if you get sick while traveling abroad, and the insurance money will be used directly for medical treatment.

In addition, overseas travel insurance will also provide comprehensive protection against risks such as personal accidents and loss of documents during overseas travel.

When buying overseas travel insurance, you should pay attention to the exclusion clauses, read the exclusion clauses of the insurance product carefully, and understand the scope of coverage in the overseas travel insurance, so that you can get reasonable claims services in the event of an accident.

Of course, overseas travel insurance should be purchased from a regular company, which is the most secure.

Although there are many travel insurances, there are many kinds of insurance, but to choose your own suitable one, you can consult someone who knows the business.

It is best to follow the travel agency to buy travel insurance directly, and then consult yourself about how to buy travel insurance for your insurance friends.

Nowadays, there are many travel insurance, many people are afraid of buying the wrong one, being deceived, in fact, buying insurance, this kind of thing, you should buy a well-known brand, with a business certificate, in order to make people feel at ease.

At present, there are five main types of overseas travel accident insurance: one is travel accident insurance, the second is travel personal accident insurance, the third is travel accident insurance for accommodation tourists, the fourth is travel accident rescue insurance, and the fifth is travel emergency rescue insurance.

Points to note when applying for overseas travel insurance online.

1. Pay attention to the insurance restrictions and coverage coverage. Due to the different characteristics of each insurance product, the restrictions on policyholders are also different, so it is necessary to pay attention to choosing an insurance that meets the screening conditions before purchasing. Consumers need to read the relevant content carefully to ensure that they have a clear understanding of the insurance terms before placing an order or applying for insurance, so as to obtain more comprehensive protection.

2. Fill in the policyholder's information accurately. In order to ensure the effectiveness of the policy, the policyholder will be required to fill in the policyholder's information correctly, especially when purchasing insurance for others, be sure to check whether the name, ID number, **, and email address are filled in correctly to ensure the accuracy of the policy information.

3. Fill in the insurance policy and pay for the purchase in time. Generally speaking, the policy is considered valid only after the payment is successful. Therefore, it is important to pay in a timely manner and do not delay the effective date of the policy and cause inconvenience to yourself.

4. Check the electronic policy and write down the policy number. After the payment is successful, the policy information will be sent to your mailbox, please check it in time, and if you have any questions, contact the customer service staff immediately. The policy number is a valid proof of your insurance, so it should be kept safe.

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

Travel is not safer and more comfortable than staying at home, there are many unpredictable risks will occur, the probability of danger greatly increases, especially overseas travel, at this time if you buy a travel insurance is also considered to buy a protection for yourself, so how to buy travel insurance? Don't worry, I'll tell you.

1. How much does overseas travel insurance cost depends on how long you go, for overseas travel, especially in the United States, Singapore, Japan and other countries with high medical expenses, the amount of medical insurance should not be less than 200,000 yuan; For sightseeing tours to scenic spots in China, the insurance amount of medical insurance is about 100,000 yuan.

2. Comprehensive coverage: Under the same conditions, the same city insurance believes that you can choose to purchase insurance with a more comprehensive coverage to cover all kinds of accidents during the trip.

3. To purchase travel accident insurance, you must be seated in the right number. When traveling abroad, you must choose insurance with global emergency rescue function when buying overseas travel insurance, which can save lives at critical moments.

4. Online insurance is more cost-effective, now there are many insurance online sales platforms when it is more convenient and fast to insure, sometimes there will be some preferential activities, online shopping travel accident insurance is more cost-effective, you can also compare a few more and then buy.

Well, the answer to the question of how to buy overseas insurance is also given above, I hope it will be helpful to friends who want to buy overseas insurance when traveling abroad, and finally I wish you a safe return from overseas travel.

Overseas travel insurance, pay attention to these three issues, you will not buy wrong.

1. Try to choose an insurance company with its own rescue network, which responds faster than a third-party service company in the event of an accident;

2. To travel to Schengen countries, the amount of accidental medical insurance shall not be less than 30,000 euros, which is the requirement of a Schengen visa. If you purchase accidental air rock insurance, the amount of accidental medical insurance is less than 30,000 euros or less than 300,000 yuan, you may be denied a visa.

3. If you have chronic diseases such as hypertension, diabetes, cardiovascular and cerebrovascular diseases, you can try to choose travel insurance that covers these pre-existing conditions.

Test your anti-risk index, experts will interpret it for you for free!

1. The amount insured should be moderate. For travel to countries with high medical costs such as the United States, Singapore, and Japan, the insured amount of medical insurance should not be less than 200,000 yuan; When traveling to Thailand, Malaysia and other countries, the amount of medical insurance is about 100,000 yuan.

2. Rescue** to remember. Consumers should have a detailed understanding of the content of emergency rescue services and the service level of overseas rescue companies that provide such services, so as to make the best choice.

3. The insurance policy does not need to be carried around.

4. When applying for overseas travel insurance, it is necessary to see whether the medical expenses after the accident are "paid in advance" or "reimbursed afterwards", and it is best to choose the insurance that pays the medical expenses in advance. When applying for overseas travel insurance, you must read the corresponding terms of overseas travel insurance.

Generally speaking, if you want to buy the right overseas travel insurance, you should mainly consider the following aspects.

1. Select according to the requirements of the corresponding overseas region.

Different countries have different requirements for travelers' visas, and some countries clearly stipulate that passengers need to purchase insurance, and they need to meet the specified types of insurance, coverage amounts, or insurance companies. Overseas travel insurance does not necessarily require a very high amount of insurance, it is enough to meet the amount specified in the destination area, and you can also purchase some additional insurance according to your needs, such as home property insurance, to prevent the loss of family belongings during the trip. 2. Pay attention to the function of international rescue services.

Some countries will make it mandatory for passengers to include this protection in their insurance, even if it is not specified, this should be paid attention to when purchasing overseas travel insurance, once the insurance is out of the country, as long as you get in touch with the rescue agency that the insurance company cooperates, the rescue company can provide rescue transportation, send medical **, arrange family visits abroad and other services. The rescue service of overseas travel insurance can arrive at the scene for rescue at the first time of the accident, and escort anytime and anywhere. 3. Read the terms of the insurance clearly.

It is best to buy overseas travel insurance in person, read the terms and conditions of the product, and do not leave it to the travel agency to buy it on your behalf. In the clause, it is necessary to pay attention to the coverage period of the insurance, and the coverage period of overseas travel insurance should preferably be longer than the travel period. At the same time, it is also necessary to pay attention to the coverage items of the overseas travel insurance you have insured, and whether it includes adequate protection for accidental medical expenses and other aspects.

After purchasing overseas travel insurance, inform your family of the existence of the policy, and bring the policy number and rescue number with you. In case of overseas insurance, you must not panic, remember to report the accident in time, and the insurance company will give corresponding countermeasures, such as the implementation of medical advances, to reduce the burden on the policyholder and the claim procedures after returning to China.

Generally speaking, accidental injury, medical expense protection, 24-hour emergency rescue, personal property protection, etc. are rigid needs of overseas travel insurance, and you must pay attention to these contents when choosing overseas travel insurance.

1. The guarantee period should be as lenient as possible.

First of all, let's talk about the duration of coverage, which is the first thing to consider in every journey, whether at home or abroad. When choosing, be sure to consider the time tolerance.

It is recommended to have a few extra days of insurance time to prevent yourself from having any protection in case of an extension.

2. The insured amount must be sufficient.

As mentioned above, the medical system in foreign countries is different from that in China, and there will be a difference of more than 10 times in medical expenses, so it is particularly important to make sure that the sum insured is sufficient.

From the perspective of the cost of air rescue, Southeast Asia is about 10,000 US dollars (100,000 yuan), and Europe and the United States and other countries are more expensive.

If you are traveling to countries with expensive medical expenses, such as Europe, the United States, Canada, and Japan, it is recommended to purchase at least 20 -500,000 yuan of medical insurance products.

3. The emergency rescue service is directly under the organization.

Emergency rescue is also a very important protection, after all, time is life, it is recommended that you choose an insurance company with its own rescue agency, so that the response speed is also the fastest, and the rescue efficiency is higher.

At present, there are well-known insurance companies in the industry that have their own direct rescue agencies, such as: Allianz, AIG, Starr, etc.

All three insurance companies have extensive experience in rescue services with a network of rescue services around the world. When choosing overseas travel insurance, you can focus on the products of these insurance companies.

4. Personal financial protection should be as comprehensive as possible.

In addition to the above-mentioned theft, it is not excluded that you may lose it, if it is a very important document or item, it is recommended to take precautions in advance.

In the personal property protection of many travel insurance products, there will be a breakdown of the items to be covered and the proportion of compensation, which can be selected according to the destination.

5. Medical direct payment service should be included.

Finally, let's talk about the direct billing service. It is recommended to give preference to products with overseas medical direct payment services, because overseas medical expenses are expensive, if you pay in advance and then reimburse, it will undoubtedly increase a sudden economic pressure.

In the case of direct payment, the insurance company will settle directly with the hospital, or through the rescue company and the insurance company, and you do not need to pay the medical bills.

In addition, if you are traveling to a Schengen visa country, overseas travel insurance is a necessary condition for applying for a Schengen visa, and even the amount of insurance will be clearly specified, which needs to be understood in advance and strictly followed.

In fact, no matter what insurance you insure you should find a big insurance company, so that you can have protection when you want to make a claim if there is any problem, I think Ping An Insurance Company is still quite reliable, I have friends bought insurance in Ping An before, and the insurance company is very efficient when making a claim in an accident. So I have always trusted Ping An Insurance Company, and if you want to buy Ping An Insurance, you can place an order directly in Ping An **, which is very convenient. Thank you for being able to keep me as always.

What is the best way to buy travel insurance for the UK?

Major insurance companies have corresponding travel insurance products, and each product is different, as for the good or bad, I personally feel that the one that suits me is the most worth buying.

How do I choose the right travel insurance for me?

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 the coverage and amount of insurance you expect, the higher consumption is sent to the country and region, the amount of insurance should be relatively higher, choose more than 250,000, Southeast Asia can be relatively low, about 100,000.

In addition, it is also necessary to pay attention to whether the medical expenses after the accident are "paid in advance" or "reimbursed afterwards", and it is best to choose insurance that pays for rescue expenses in advance. For example, Sunshine AXA overseas travel insurance can pay for rescue expenses in advance, and the protection is relatively comprehensive, covering accidents, emergency rescue, hospitalization and family property protection during travel; The sum insured is also divided into several levels, which can be freely chosen according to your needs.

Hope it helps, hopefully.