Different countries have different requirements for visas for overseas tourists. Some countries have no compulsory insurance regulations, while others have clear insurance regulations. Among them, some countries have clear requirements for overseas insurance, some countries have relevant regulations on the amount of protection, and some countries even have restrictions on the scope of insurance companies.
For example, if the destination of overseas tourists is Schengen countries such as France, Germany and Italy, they must purchase overseas travel insurance products including medical insurance, and the insured amount shall not be less than 30,000 euros. If the destination is Southeast Asia, the United States, Africa and other countries, the purchase of medical insurance is not expressly stipulated, and whether there is insurance has little effect on the visa, so you can choose to buy according to your own needs.
2. Choose the most important insurance according to the demand.
At present, there are many kinds of overseas travel insurance on the market, from flight delays to lost luggage documents; As big as hospitalization insurance, SOS international rescue. Because the more protection functions, the more expensive the premium. Insurance experts suggest that travelers don't have to cover all types of insurance when choosing insurance. Generally speaking, they can choose the right protection they need among the three most important types of insurance: accident insurance, medical insurance and SOS international rescue service.
In terms of specific coverage, the main functions of accidental injury insurance and medical insurance are to provide economic compensation after accidental death or disability, and to provide medical treatment and related expenses when encountering accidents or sudden diseases; SOS international rescue service mainly provides services such as transporting the insured to the hospital, arranging medical information, paying hospitalization expenses and instructing the nearest embassy through a 24-hour multilingual rescue hotline, which is quite practical for travelers who have just arrived overseas.
It should be reminded that because different insurance companies cooperate with different global rescue organizations, their distribution in the world is also different, for example, some focus on North America and some focus on Europe, so the insured may need to choose a more suitable rescue organization according to the destination. In addition, after taking out overseas travel insurance, the insured should carry the global emergency call record with him in case of emergency. It is also best to confirm whether there is Chinese service before insurance to avoid misunderstanding in language communication.
3. The insured amount refers to the travel days and local consumption level.
In addition to the selected coverage, the specific coverage of outbound travel insurance can generally be determined with reference to the number of days of travel and the consumption level of tourist areas. For example, there are hard and fast rules for going to Schengen in Europe, and the medical insurance coverage cannot be less than 30,000 euros (about 200,000 yuan); If you go to a country where there is no mandatory requirement, if the local price and consumption level are high, then the insurance coverage of overseas travel medical insurance is preferably above 200,000 yuan; If you go to Southeast Asia or South Korea and other Asian countries with moderate consumption level, the amount of overseas medical insurance is about 654.38+10,000 yuan. In addition, like all other insurances, the insured should also pay due attention to the insurance clauses of overseas travel insurance and related insurance claims.
Tips for overseas travel insurance:
1. Apply for insurance one week before departure.
There are many ways to buy travel insurance now. In addition to contacting the insurance company directly, you can also buy it on the insurance company website or travel website. In order to ensure enough time for comparison and selection, it is generally recommended that travelers can start preparing related insurance matters one week before departure.
2. The insurance period matches the travel time.
When traveling abroad, you need to pay attention to the time difference, especially when you are insured, because it is related to whether your protection can fully cover the whole journey. Considering the delay and other emergencies, it is best to take the day before the departure time of the place of departure as the starting point of the effective time of the policy and two days after the final return to China as the end point of the policy. If there are temporary changes, we should also pay attention to adjusting the coverage period of the selected insurance.
The insurance certificate is carried with you.
It is recommended to take the insurance certificate with you when traveling after insurance, and write down the emergency hotline of the insurance company. You can ask for help immediately in any case. In addition, no matter how to apply for overseas travel insurance, you should also inform your family members who stay at home, including the name of the insurance company and the policy number, just in case. In case of sudden accident or illness, after returning to China, you should collect all necessary documents, file a claim with the insurance company, and pay attention to various expenses to avoid unnecessary medical expenses, otherwise the insurance company may not claim compensation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.