1. The first accident insurance should be bought in China.
For international students, especially for the first time to study and live abroad, accident insurance is particularly important. "The first thing you should buy is accident insurance. When accidental disability occurs, accident insurance will be paid in cash, especially in countries and regions with high medical expenses. This compensation will greatly reduce the medical burden of the families of international students. " The advantage of accident insurance is that foreign students are already within the service scope of insurance companies from the moment they fly. Because I have a lot of things to deal with when I first arrived in a foreign country, I can't take care of buying accident insurance for a while, but sometimes things happen during this time, which will make the insurance bought in China take effect and reduce the economic losses of international students to some extent.
Medical insurance is necessary, and it is best to buy it locally when studying abroad.
In addition to accident insurance, medical insurance is also necessary for studying abroad. Otherwise, if foreign students fall into financial crisis due to serious illness abroad, they are likely to face the situation of suspension of studying abroad or even debt.
To this end, some parents will buy medical insurance for their children in China first. In fact, for international students who need to stay abroad for a long time, it is not appropriate to buy medical insurance in China. On the one hand, most domestic insurance institutions do not accept claims from overseas hospitals or clinics; Foreign medical expenses are expensive, but the insurance bought in China, in case of illness abroad, most insurance companies only pay according to domestic medical expenses, and the amount is a drop in the bucket. Although some large insurance companies have set up networks abroad, they are limited after all.
However, the person also suggested that because the medical insurance policies of each country are different, international students need to know the medical insurance policies of the countries studying abroad and enter the insurance according to the requirements of the countries studying abroad. For example, many destination countries bind medical insurance with visas and school registration. In the United States, Germany, France, Japan and other countries, even visas cannot be issued without medical insurance; Foreign high schools or universities generally offer a variety of medical insurance options when international students enter school. These insurance institutions generally have cooperative relations with schools. International students with medical insurance will get an insurance card, with which they can see a doctor and get medicine. Generally, in the second year, the school no longer reminds students to renew their insurance, and students must take the initiative to buy it.
3. Pay attention to special projects when studying abroad.
How to get a claim quickly if you encounter an accident while studying abroad? Take the Korean passenger plane accident in the United States as an example. In case of an accident abroad, the insured, the insured or the beneficiary will immediately notify the insurance company or relevant personnel to apply for rescue service, and then the beneficiary will send (send) the insurance policy, the beneficiary's identity certificate, the insured's passport and entry certificate, and the relevant certificates issued by the local public medical institution, the traffic police department or other municipal departments to the insurance company to apply for compensation.
In addition, regardless of accident insurance or global medical insurance, international students should carry their insurance cards with them after purchasing insurance in case of emergency. In case of accident, all relevant documents should be properly kept, such as hospital diagnosis certificate, accident certificate, original receipt of medical expenses, etc. , to ensure the smooth progress of claims. If you buy overseas travel (study abroad) accident insurance, there will usually be an international rescue organization cooperating with the insurance company to assist in completing the reporting, rescue and claim settlement process.
In addition, insurance companies also remind international students that when choosing overseas insurance products, they should pay attention to whether some special items can be compensated, such as whether they can reimburse the expenses of self-funded medical services during their study abroad, whether they include dental clinic expenses, and whether they can underwrite high-risk sports and leisure projects. Including some targeted protection projects, such as "school interruption insurance", if the insured can't continue studying abroad due to illness, accident or the death of immediate family members, you can get some compensation through this clause.