What kind of insurance should I buy for traveling abroad?

The question can be asked so that the entire foreign travel insurance to ramble once. First of all, why is it mandatory to buy "relevant insurance" The difference between overseas travel and domestic travel is that tourists outside the sudden illness or accident, emergency treatment of medical expenses need to bear, can not be reimbursed through the medical insurance, general commercial insurance. Many people think that a fall does not cost much money, but remember, you can not take the domestic medical standards to measure the medical costs of unknown diseases in unknown places. In Europe and the United States with developed medical systems, accidental falls, sudden illnesses and other medical costs incurred with domestic medical standards are not in a class. A minor fall is fine, simple treatment, even if it is dozens of times more expensive than the domestic will not be too big a financial burden, but if it is a serious fall or sudden illness, to the domestic treatment costs multiplied by N times, not everyone can laugh it off, and when the end of the treatment to look at the bill, inevitably like a knife in the heart. If you need to be transported back to your home country after the danger period, there will be another cost. In the case of more serious spinal injuries, for example, the patient must lie flat when being transported, and if the patient is transported by civilian aircraft, it is necessary to modify 6-8 ordinary as a stretcher; in the case of sudden cerebral hemorrhage or more serious loss of limbs, the patient must be stabilized in the place of travel before being transported, and the choice of when to be transported and how to transport the patient need to be carefully considered, which is a spiritual and economic double consideration. The likelihood of an accident or sudden illness is low, but once an illness occurs outside the country and requires medical attention, it may be a burden on the tourist's family finances, and the countries of the travel destination force tourists to purchase this type of insurance is actually to protect the tourists, coupled with the low price of travel insurance coverage is high, so don't be lazy. Here insert an interesting story. In the medical system developed countries hospitalization generally do not need to pay "hospitalization deposit" such as advance payment (local health care system), but in recent years some regions in the reception of tourists began to collect a certain percentage of treatment advance payment, because there are tourists in the treatment, the eyes of the tears in the eyes of the touching look at the bill, and then silently, without leaving a trace, and then the tourists will not be able to see. Then returned in silence and without leaving a cloud! The country! Had! Hospitals have a big headache, can not find people to pay only to admit, began to improve the system of hospitalization deposits in advance. (The authenticity of the story can not be guaranteed, but some areas need to be hospitalized in advance hospitalization deposit) mandatory purchase of "relevant insurance" is what? As you already know, "related insurance" is the above example of accidental medical insurance, which covers the cost of medical treatment due to accidents and sudden illnesses, and medical transportation insurance, which covers the cost of medically necessary transportation. Insurance policies that cover these two types of liabilities include travel insurance, high-end medical insurance with offshore liabilities, and overseas medical insurance. Be sure to check the coverage of the latter two carefully to see if they are complete. High-end medical care and overseas medical care are more expensive, usually for a one-year period, with annual premiums of $20,000 or more, and coverage amounts usually not less than $1 million. If it is only used for short-term travel, travel insurance is the most suitable choice, which allows you to choose the number of days of coverage and at the same time, the premium is low. When traveling to a Schengen country, you need to submit proof that you have purchased sufficient foreign medical insurance when you submit your visa application; if you do not submit this document, the embassy will not issue a visa. (In Schengen countries, the insured amount for accidental medical treatment and medical transportation should be more than 300,000 RMB). Some countries do not require proof of medical insurance when applying for a visa, but when passing through customs, you need to show a document proving that "I have purchased enough insurance to deal with medical risks" (for example, in the United States), and at this time, you can show a sufficient amount of travel insurance policy. So when traveling abroad must pay attention to different countries on the content of insurance coverage and the amount of requirements, to avoid refusing a visa or can not pass through customs (refused a visa is fine, there is time to change the ticket to re-sign, but are ready to wave but was stopped in customs on the sad). Pulled so many have no, in fact, you want to know: I want to travel abroad, then I buy what insurance good? What kind of insurance should I buy? If you only want to buy insurance that meets your visa requirements, you only need to buy accidental medical care, medical evacuation, and the necessary coverage required by your visa and customs. One of the cheapest types of insurance on the market is Strip Property and Casualty's Overseas Travel Optional Plan, which can only cover the above two items. For example, the price of a coverage plan that meets the Schengen visa is $48 for a 7-day trip for those 18-85 years old, a price that is incredibly low. Different countries have different visa requirements, and you can answer by private letter if you already have a travel program. If you only buy travel insurance to meet the needs of the program there is no need to read down, the above recommended insurance can meet the visa requirements of most countries / regions. However, if you want to give yourself and your family a comprehensive protection, it is recommended to plan your travel insurance according to the following ideas.

The types of insurance recommended by others do not apply to all people, all families, and all travel plans. In fact, travel plans should be adjusted according to the different characteristics of the people, programs, and destinations. Here's an example: for the health insurance reimbursement strategy, I just happened to organize the relevant content, I hope to help you: 2020 national social security health insurance application reimbursement process!

1 Where is the destination? The destination of the mandatory requirements for accidental medical care and medical transportation has been described above, here will not repeat, above the limit can be. But even if it's not mandatory, it's highly recommended to buy enough emergency medical and accidental medical insurance, which means you can get timely and effective medical assistance, and won't affect your family's finances due to excessive medical expenses (some types of insurance can provide medical direct payment). In terms of property protection, if you are traveling to Paris, Brazil, Thailand and other regions where robberies are relatively high, it is important to have adequate property protection, especially for loss of belongings, loss of cash and loss of stolen bank cards.

Configuration:

Can be set according to the bank card overdraft amount of brush theft insurance, if there is a situation similar to the teller intentionally steal the bank card, travel insurance to compensate for the corresponding loss, and brush theft insurance is very cheap, 50,000 coverage for only a few dollars;

Additionally, according to the value of the property and the number of cash carried on the trip to determine the amount of coverage, if the journey If you are robbed of a large amount of cash (especially dollars and euros) while traveling, the insurance company will also reimburse you for the corresponding loss.

Annexed to a previous online debate on the news "Chinese tourists in the U.S. airport beat the truth: the clerk left a credit card," the news if Ms. Liang because of the rush to board the plane back to the country, during the period of loss due to bank card theft, some insurance does not provide coverage, because "there must be a travel authorities issued by the authorities of the report", "the travelers. This condition is not met after returning to the country. However, some insurance policies only require a police report, but do not specify whether it is a certificate from the police in the place where the incident occurred that will allow you to make a claim after the theft. This kind of details many people do not notice, but in the choice of insurance need to pay more attention.

If you are traveling through an excluded area or in an excluded area (generally war-torn countries), try to avoid purchasing a product that contains this excluded area when choosing a product.2 Sports that you may participate in during your trip

Generally speaking, when you go to the Maldives, people go to dive programs of varying degrees of difficulty; and when you go to the Alps in winter, you basically go for the experience of skiing. However, such programs may not be covered. For example, diving for some types of insurance belongs to the "high-risk sports", not in the scope of coverage, and in some insurance clearly stipulates that "with the help of underwater air supply cylinders (not breathing tube) equipment to complete the diving activities" and "in the tourist attractions of professional diving instructor guidance. Tourist attractions under the guidance of professional diving instructors for recreational diving activities," these two categories are to provide coverage, and even some insurance coverage for diving this big item. The same goes for skiing, which is covered by some types of insurance and not by others, so you need to choose the type of insurance according to your travel plans.

If you plan to participate in sports, the purchase of travel insurance must be sufficient to do the corresponding protection, in addition to skydiving, adventure, general sports have insurance can be covered, before buying pay attention to the provisions of the terms and conditions. 3 travel family structure Alone: no doubt, the purchase of the travel insurance must have the global medical direct payment function, because the insurance is outside of the country may not necessarily be able to assist, and in the case of injuries In case of injury, the direct payment of medical expenses by the rescue organization can reduce a lot of worries (traveling alone also has advantages, such as more freedom, I occasionally go out alone). Traveling alone with children or the elderly: travel insurance must be configured in the minor children and elderly repatriation service, if you can not take care of their families, hope that the family first return to their home country, this insurance will have the effect of compensating for the resulting economic losses (impression of the type of insurance can be arranged for the return of a person). In addition, if the child is naughty, it is recommended to purchase travel insurance with third-party liability. If the child accidentally causes another person's physical and economic damage, the parents need to bear the responsibility of compensation, and if such responsibility is present, the insurance will compensate for the relevant losses up to the limit of the sum insured. Family trip: If the house is vacant, it is recommended to have traveler's home coverage in the travel insurance, in order to transfer the risk of robbery, natural disasters, fire and house pipe rupture. When traveling with the whole family, it is recommended that travel insurance be tailored to the family members, i.e., it can save on premiums and at the same time provide a more reasonable amount of coverage for the family members. For example, if one of the family members of the "Travelers' Home Insurance Liability" can buy the protection (the amount of insurance is not enough to say); minors and the elderly are not too much need for property insurance, you can focus on the protection of health protection and third-party liability. There is no need for the whole family to buy the same travel insurance to avoid wasting resources.4 Whether there is a large amount of prepaid expenses If there is a large amount of prepaid expenses (non-refundable expenses) for air tickets, train tickets and hotels before the trip, it is recommended to buy a high coverage travel change insurance to transfer the possible losses, if the trip has to be canceled due to hospitalization, strike at the destination, inclement weather, summons to be a witness for the court and other irresistible factors, the Liability is limited to the sum insured to compensate for non-refundable airfares, train tickets, prepaid hotel charges, etc.5 Travel period If the number of outbound trips in a year is not large, you can purchase insurance according to the duration of a single trip, but note that the price of a certain period of time is the same, for example, the price is the same for 1-7 days, if it is less than 7 days, it is recommended to purchase a 7-day coverage to avoid any delays in the trip. If the number of times out of the country is more, you can buy a full-year travel insurance, it is recommended to buy a comprehensive coverage responsibility, the applicability of a wide range of products. Pay attention to the single consecutive days out of the country insurance, some products are 90 days, some products are 182 days, there are also 365 days (365 days of insurance is less cost-effective).6 Flight delays Frequent travelers must have encountered flight delays or even canceled, travel insurance in the flight delay insurance can be compensated for flight delays caused by the loss. A customer said his flight canceled insurance company compensated 1,200 dollars, joking that out to play also earned. Joking aside, the loss of time is really not hundreds or thousands of dollars can be measured, changing flights, rebooking hotels, change travel plans, all to spend a lot of energy, flight delay claims can only be economically to give a certain amount of compensation, in general the higher the value of time the donkey the higher the sum insured. These contents are just an example, other coverage such as travel change insurance, lost documents insurance, etc., the content involved is very complex, not an example of analysis, if you want to understand and then a separate answer.

For those who still have doubts about the choice of insurance, I have compared and analyzed 4 high-coverage travel insurance policies and 4 low-premium travel insurance policies in another article, which basically meets the needs of most people, and you can move to the Comparison of Overseas Travel Insurance Products - Interpretation of the cost of products in groups to see.

It seems to make sense, but travel insurance has already insured us! The general travel agency to buy a "travel agency liability insurance", the content of its coverage and the "employer's liability insurance" is similar, only to protect the travel agency due to negligence, fault caused by the loss of the insured is the travel insurance, rather than the tourists. If the staff told the tourists "have already bought travel insurance", please make sure all the insurance policies, clear "travel agency liability insurance" or "travel insurance", there is a fundamental difference between the two, to avoid "already purchased insurance". The first thing that you need to do is to avoid the misconception that you have already purchased the insurance and do not need to configure it additionally.

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