In fact, many people are more excluded from the insurance this thing, always feel that insurance is not much use, may be useful in life is not good to say, but in the time of travel small make-up or recommend that you buy insurance, especially when traveling abroad, the following go together to see that look at that it.
Why buy insuranceTo the summer travel season, many partners choose to go out to play. Sometimes I wish I could Singapore, Malaysia, Rome, New York randomly change the vagaries of the positioning, spontaneous booking of the trip, this is the real international model of travel, this life just think about it will make the heart envy and jealousy and hate!
Ran goose, things are not so simple, the recent situation of the popular tourist destinations, the Japanese earthquake delays, the West Japan rain deaths and serious injuries, the Bali volcano eruption, Maria typhoon landfall, all kinds of conditions to travel partners are worried.
Western Japan heavy rain
The death toll reached 195 as of 5:45 a.m. local time that morning in the rain-stricken areas of Western Japan. Days of heavy rains in Japan have brought severe damage. Authorities warned that the affected areas are experiencing high temperatures and that more thunderstorms are possible, triggering serious landslides in mountainous areas. Japanese Prime Minister Shinzo Abe, who visited the affected areas, said he intended to designate the downpour as an extremely serious disaster.
Typhoon Maria
More than 10-meter waves lapped at coastal reefs as it made landfall on China's southeastern coast, in Wenling, Zhejiang, China.Typhoon Maria, the 8th typhoon of 2018, made landfall off the coasts of Fujian to Zhejiang on July 11, with maximum winds near the center of the typhoon of up to magnitude 16 (52 meters per second). The strong typhoon led to torrential rain disasters in many parts of Fujian and Zhejiang, and more than 200 flights were canceled across the country.
Not to say far away, on this year's domestic, Chengdu weather is really more than ex-girlfriend / ex-boyfriend's heart is still elusive, said crying even if the cry, crying endlessly also endured also actually accompanied by howling (thunder) bawling (storms), which makes it very difficult for people.
It is reported that from the night of July 10 to July 11, Chengdu airport was hit by thunderstorms, resulting in a large area of Chengdu airport flight delays, and many flights canceled the scheduled flight plan.
And this is just the beginning, summer thunderstorms, thunderstorms occur from time to time, once encountered will inevitably have an impact on the normal takeoff and landing of flights.
Recently, the low-priced gentleman's cell phone, for members of the day has been silent on the Orient Airlines, frequently pushed to speak out.
The earthquake in Osaka, Japan
The Bali volcano continues to erupt
Typhoon Maria has made landfall
I would like to say that although China Eastern Airlines is often encountered in member day promotions will not say anything, but to deal with emergencies, it really deserves some praise.
It's good to know that this kind of airline is more conscientious, but if you encounter the kind of airline that doesn't say anything, you may have to return the ticket and bear the cost of refund and change of visa. And, have to cancel the trip, booked all the hotels can not be refunded, then it is likely to lose is not a little two points. Of course, for the sake of safety, these are worth it.
So what else can we do?
Summer vacation travel peak, ready to do a million kinds of preparation, there are always some unexpected small accident. Do enough travel strategy, meet this extreme weather to give up the beauty of the faraway places, to give up the fertile grassland in the north, to give up the sunny beaches in the south?
Of course not!
We just need to have a suitable foreign travel insurance, encounter this kind of accident, but also can maximize the compensation for their financial losses.
That is to say, a travel insurance can make up for all the losses of time or money as well as health brought about by the extreme weather or other uncontrollable factors encountered, do you really think that the tens of dollars are useless?
But, travel insurance is not that just buy it ok, it's about whether we can get due protection after the loss! So you know, ignoring these things about foreign travel insurance, you are buying blindly!
How to choose the right travel insuranceThe superfluous words will not speak, direct focus:
Select products according to the visa requirements of the country of entry
To go abroad to apply for a visa, the visa will be rejected, and the reasons for a variety of reasons: not clear the purpose of the trip was rejected, for fear that you go and do not come back to be rejected, look too fierce was also rejected...... Although these uncontrollable factors can only hope that the visa officer's mood that day, but there are still some requirements are hard to meet the standard, can not pass really can not pass.
For example, if you go to the Schengen countries in Europe and want to pass the visa, you have to apply for travel medical insurance with a compensation amount of at least 300,000 yuan. So in the choice of insurance products, pay special attention to the emergency hospitalization and medical rescue of these two coverage responsibilities and amount, of course, you can also directly buy the embassy designated by the U.S. Asian Universal Wanderer Schengen travel protection plan. Another part of the country (especially Germany) consulate, will be based on the date of insurance to give the visa validity, so buy insurance is best before and after the entry and exit of more than one day, this type of specific circumstances consulate requirements, buy the time to pay attention to on the line.
Buy coverage based on your travel area and activity plan
The area you plan to travel to must be within the product's coverage area. Be sure to understand the local situation before traveling, do not go to areas where war, unrest and natural disasters are frequent, and go to backward areas with caution.
When traveling abroad we all hold the idea of not vain, so will be more willing than usual to try some fresh and exciting outdoor activities. For example, to play in Thailand, will not be able to resist trying to jungle leap; to play in Turkey, no one will refuse hot air balloon; to play in the United States and Australia, many people are rushing to the road driving trip to go.
But, fresh excitement = high risk, this obviously easy to accident scene, the general general travel insurance is not insured. If you go to a Southeast Asian country and have plans for such activities, be sure to choose a travel accident insurance policy that covers high-risk sports, such as AIGA's Loyalty Travel Overseas Travel Protection Plan, and look carefully at the exclusions in the terms and conditions of the specific product to define the scope of coverage.
The general travel insurance products although cover diving and mountaineering, but in the terms and conditions and make these restrictions:
Diving: Requirements are water depth of not more than 18 meters and with breathing equipment free-form diving.
Mountaineering: The altitude requirement for mountaineering is 6,000 meters or less, excluding climbs that require ropes and guides to complete.
In fact, the exclusion of the insurance company is sometimes a reminder to us, you see, this kind of high-risk activities, the insurance does not cover you want to continue...?
Medicare must not be careless
It is estimated that we have seen or heard of the news of the sky-high price of foreign medical treatment, yes, overseas medical costs are high, for those of us who are "foreigners" for the lack of insurance is very difficult to bear.
Don't worry about the little bit of money to buy insurance, wait until you advance the money to know the meat pain heartache, to advance the affordable and okay, if you can't afford to advance the please make up your own mind.
So in the choice of insurance, we need to compare the amount of medical coverage, in principle, the more the better, but specific to the market, or to give you a realistic suggestion:
If the destination for Europe and the United States and other developed countries: at least 300,000, 500,000 is better, especially to Germany, Switzerland, the Netherlands, the United States, Australia, these medical costs are very high countries. .
If the destination is Southeast Asia, Hong Kong, Macao and Taiwan: 50,000-80,000 is more appropriate
If the destination is Africa and South America: more is better depending on the country.
Also, pay extra attention to the medical liability in addition to accident coverage, whether it also includes disease coverage, such as gastritis, diarrhea, fever and cold.
The chart shows the amount of coverage for Southeast Asia under AIG China's "Loyalty Travel" Overseas Travel Protection Plan
The Hidden and Greatest Responsibility: International Rescue
When it comes to international rescue, most of us think of the desperate situation of being trapped on an isolated island, and we find it hard to come across. The first time I saw this was when I was in the middle of a long journey, and I was so happy to see it. In fact, if you are abroad and you have a high fever or a broken bone, you will need this kind of assistance:
Medical transportation - in the event of an accident abroad, the injured person will be sent to the local or other nearby area hospitals that are qualified to treat the injury.
Medical repatriation - repatriation of the insured person if it is determined to be medically necessary to send the insured person back to his/her home country.
Figure: AIG China's Schengen Travel Insurance Plan Europe Coverage
No matter what the situation is, timely, efficient and professional level of rescue is a must. So when buying insurance, we should pay more attention to whether the international rescue brand that the insurance company cooperates or signs up with is strong or not.
Be sure to find out who provides the emergency rescue service before taking out the policy. Whether it is the insurance company itself (e.g. AIGA's Travel
Guard, Allianz's Ansell United) or outsourced to a third party (e.g. Oral, International SOS), the most crucial thing is that the rescue company should preferably have a branch in the local area, so as to ensure the efficiency and quality of the service. When it comes to emergencies, time is life.
Another point to consider is the amount of coverage, in accordance with historical experience, to give you a few suggestions:
Destination for Africa: more is better, specifically no upper limit
Destination for Europe, the United States and West Asia: at least 500,000
Destination for Southeast Asia: at least 200,000
according to the individual needs to buy coverageThere are also a few in travel insurance Compensation for property or trip, such as travel delays, baggage delays, travel changes, property damage, condolence visits and so on, related to the mood of the trip, and are real money, so these responsibilities we also need to compare each other.
But although the travel insurance products basically have these responsibilities, but the products are not relatively uniform standards, for example, on the voyage delay, A product 3 hours from the start of the compensation, B product 5 hours from the start of the compensation, but the B paragraph 800, A paragraph only 300, in this case there is no way to say that the specific which is better, so the responsibility of these according to the needs of the personal preference to choose on the line.
As an example, the Midea Loyalty Outbound Travel Protection Plan is divided into two kinds of delayed 3 hours and delayed 5 hours, the compensation standard is different, 3 hours of every delay of 3 hours compensation 300, the upper limit of 600. and 5 hours of every delay of 5 hours compensation 300, the upper limit of 600 yuan.
The above is to travel abroad to choose some suggestions for travel insurance, in fact, in the final analysis, the responsibility of travel insurance in fact all of the past travel abroad experience, but also allows us to better realize the travel experience of a guarantee, choose the right protection, we can really integrate into the local life when traveling, feel the real international travel Oh!