Basic Information of Overseas Travel Rescue Insurance
Overseas Travel Rescue Insurance is jointly launched by NWS and SOS Rescue Center, utilizing SOS Rescue Center's service network around the world, to provide 24-hour round-the-clock and comprehensive emergency rescue service and accident, medical and rescue service expense insurance protection for nationals who are faced with accident, medical and rescue risks while traveling, visiting friends and relatives and on official business outside China.
The insurance covers accidental, medical and rescue service expenses.
When the insured person is in a foreign country and unfortunately has an accidental injury or suddenly suffers from a disease, at this time, there is no relative and language barrier, in such a critical moment, the insured person only needs to dial SOS to set up the three special telephone lines, and will be able to get the information of the international rescue organization's services and timely assistance, and at the same time, will be able to obtain the insurance company's accidental injury protection, rescue service cost protection, medical expense protection, and so on. Compared with the expensive expenses of going abroad, this insurance is a very little investment. The insurance company and SOS International Rescue Organization will help customers to solve the real medical and personal safety emergencies, and to get timely and effective help in case of emergencies outside the country.
Additionally, foreign nationals living in China for a long period of time and returning home for a short period of time on official business can also take out this insurance product.
The services and insurance coverage provided by overseas travel rescue medical insurance include:
1. Overseas rescue services provided by SOS
The main services include:
A. Medical assistance: including telephone medical consultation, introduction of medical service providers, arranging for medical treatment, monitoring of health conditions during and after hospitalization, and delivery of basic medicines, Arranging emergency medical evacuation, arranging emergency medical repatriation, arranging transportation of mortal remains, arranging repatriation of minor family members, and guaranteeing medical expenses incurred during hospitalization;
B. Travel Assistance: Including information on inoculation and visa requirements, introduction to interpreters, assistance with loss of baggage, assistance with loss of passports, arranging meetings with attorneys, assistance with emergency travel services, assistance with emergency translations, arranging for bail and bonding, introduction to embassies, and emergency documentation. bond, referrals to embassies, emergency document delivery, etc.
2. Overseas Accidental Death and Disability Insurance Coverage
When the insured person suffers an accident resulting in death while abroad, the accidental death benefit will be paid in accordance with the terms and conditions of the policy;
When the insured person suffers an accident resulting in physical disability while abroad, the accidental disability benefit will be paid in accordance with the terms and conditions of the policy.
3. Rescue Service Expense Insurance Coverage
When the insured person suffers from accidental injury or illness as stipulated in the terms of the policy, according to the actual situation, he/she needs rescue service provided by a professional rescue organization and pays the relevant service expenses to the rescue organization, NWS will bear the responsibility of paying the insurance premium for such expenses in accordance with the terms of the policy.
4. Medical Expenses Insurance Coverage
If the insured suffers from accidental injury or illnesses specified in the terms and conditions and seeks medical treatment from a medical institution within five days from the date of accidental injury or illnesses specified in the terms and conditions during the insurance period, NWS shall be liable to pay the premium for the actual medical expenses of more than RMB100, and the amount of the premium shall be limited to the amount of the medical expenses as specified in the insurance policy.
According to the regulations of the Schengen countries, from June 1, 2004, all applicants for short-term visas are required to take out foreign insurance when submitting their visa application documents, proving that they can guarantee the costs of hospitalization and repatriation abroad, and that the amount of the insurance must not be less than 300,000 yuan (i.e., 30,000 euros), and that the insurance period must not be less than one month, and that it will cover all the Schengen countries (including the Schengen countries). The insurance period should not be less than one month and cover all Schengen countries (30 days for business visa). The visa will not be issued until both the passport and the insurance policy have been submitted.
As of December 12, 2008, there are 25 Schengen countries***: Germany, Belgium, the Netherlands, France, Luxembourg, Spain, Portugal, Italy, Greece, Austria, Denmark, Sweden, Norway, Finland, Iceland, Estonia, Hungary, Lithuania, Latvia, Malta, Poland, Slovenia, Slovakia, the Czech Republic and Switzerland.