Overseas personal accident insurance premiums are slightly more expensive than domestic accident insurance, and different countries and occupations have different rates. Generally, the term of 1 year ranges from several hundred yuan to several thousand yuan.
If conditions permit, it is suggested to consider including emergency medical treatment and medical expenses, medical transfer, dental clinic expenses, family visits and emergency search and rescue on the basis of accident insurance disability and death protection.
Emergency medical rescue guarantee, including the cost of auxiliary equipment, but the premium will increase accordingly.
In addition, when you apply for insurance, you must consult the insurance products in detail according to the country you go to.
For example, in some countries where riots and civil wars are taking place, insurance companies are likely to be unable to insure or raise premiums; Countries with overseas emergency assistance are easier to insure and have a wider range of choices.
Social insurance and commercial insurance are similar in that:
Economic compensation. Commercial insurance is a supplement to social insurance, and anyone who has the ability can participate. Social insurance is a measure to meet the basic needs of citizens, stabilize society and protect their basic rights.
There are some differences between business and service:
1, self-funded medicine:
For example, self-funded drugs, as we all know, first of all, there are many self-funded drugs in social basic medical insurance that cannot be reimbursed, but most of them are foreign, and the self-funded treatment effect is very good, but commercial medical insurance can be solved at this time.
2. Claim ceiling:
Secondly, social basic medical insurance has an upper limit for reimbursement, while commercial medical insurance does not have this problem, so you can reimburse as much as you buy.
3. Reimbursement purpose:
Finally, take the commercial critical illness insurance as an example. If you have already insured the critical illness insurance, the rest can be used in other areas, but the social basic medical insurance will reimburse you.
Pay attention to the following points when buying:
1, pay attention to the safety content.
Generally, when choosing overseas business travel insurance, attention should be paid to death/disability protection, accidental medical protection, overseas medical treatment/return of remains, personal responsibility, etc. According to the security situation of individual tourist destinations,
Choose whether to make up the plane/delay or change the performance, lost documents, lost property, kidnapping or illegal detention, etc. , so as to ensure their own safety in all directions.
2. Pay attention to the return of the remains
If you die unexpectedly abroad, if you can't go back to your family and get sick, I believe your relatives and friends will be hurt even more, so the return of overseas remains is a very important guarantee.
3. Pay attention to personal responsibility
It can guarantee the liability for accidental compensation caused by individuals, that is, any insured person who causes death, personal injury, property loss or damage to a third party due to general negligence in the course of travel shall be liable for compensation to the third party according to law.
Being in a foreign country can make us feel more at ease.
4. Pay attention to the guarantee period.
Generally, when purchasing accident insurance, the insured can freely and flexibly choose the scope of protection. It is recommended to select the day before departure and the day after return to cover. If you actually go abroad for 7 days, you will be guaranteed for 9 days. Because it can protect the insured more comprehensively,
Even if there are unexpected things, procrastinating outside will not make people feel unsafe.
5. Pay attention to emergency rescue function.
Ensure that you can get emergency rescue from the insurance company when you encounter an accident abroad, and do not delay the treatment time.
In short, when buying overseas business travel insurance, we should not only pay attention to whether the content of insurance is what we need to know, whether the amount of insurance meets our expectations, whether the insurance time is longer than the time we go out, but also pay attention to whether the rescue of insurance companies is in place in time.
Only in this way can we find reliable travel insurance and better protect personal safety and family safety.