First of all, I don't know which country you go to, if the destination of the trip is France, Germany, Italy, Spain and other countries of the Schengen Agreement, then in the purchase of travel insurance must include medical insurance, and the amount of coverage must not be less than 30,000 euros. If the destination is Southeast Asia, the United States, Africa and other countries, the purchase of medical insurance is not mandatory, the impact on the visa is not great, so you can selectively buy.
Secondly, there are more types of overseas travel insurance on the market today, covering a wider range, accident insurance, property insurance, health insurance and so on, there is no need to buy separately. Here I can recommend you the sunshine AXA overseas travel insurance that I have purchased before, he has a rescue service network in more than 200 countries around the world, and can provide 24-hour telephone administrative support services, with a maximum of 500,000 yuan of coverage. In addition, it also includes flight delay compensation, loss of passport assistance and other protection, enough to cope with travel accidental situation ~ ~
Additionally, to summarize my purchase of a few key considerations:
1, overseas medical, is not included in the arrangements for hospitalization and advance payment of medical expenses, the transfer of treatment, transfer back to the home country, the arrangement of the children to return to the home country, the body or ashes transported back to the home country to bury, and administrative assistance
2, the emergency rescue program is not available 24 hours a day support, so that in case of emergency, dangerous accidents, you call the travel insurance card on the phone for help, there are professional rescue team to come to the side. Choose an insurance company that works with some of the most recognized international assistance companies.
3. Auxiliary coverage. Here mainly refers to the flight delay compensation, passport loss assistance and other circumstances are included ~ ~ especially flight delays, in foreign travel is still often encountered
And one more thing is that the premium is not the higher the better ~ ~ outbound travel insurance coverage should be referenced to the number of days of travel, the level of consumption in the region where the trip is made, and so on. Such as the Schengen Agreement countries mentioned earlier, there is a mandatory insurance amount shall not be less than 30,000 euros, about 240,000 yuan; for countries without mandatory requirements, if the local prices and consumption levels are high, then the best outbound travel medical insurance coverage of more than 100,000 yuan; and go to Southeast Asia or South Korea and other Asian countries, due to the trip is generally shorter, the amount of coverage of medical insurance in about 100,000 yuan can be
However, it's a good idea to have a medical insurance policy.
I hope this helps~~