Which is better for overseas travel insurance?

Understand the visa requirements of destination countries for overseas tourists.

Different countries have different visa requirements for overseas tourists, some countries have clear requirements for insurance types, and some countries have requirements for the amount of protection.

If the destination of travel is a country under the Schengen Agreement, medical insurance must be included in the travel insurance purchased, and the insured amount shall not be less than 30,000 euros.

If the destination is Southeast Asia, America, etc. The purchase of medical insurance is not mandatory and has little impact on the visa. You can purchase it selectively.

2. Choose insurance according to actual demand.

There are many kinds of overseas travel insurance in the market, including accident insurance, medical insurance and SOS international rescue service.

The more protection functions, the more expensive the premium. Therefore, choosing the most important insurance according to the actual demand can emphasize the international rescue service, which mainly provides the insured with medical information arrangement and medical expenses in advance through the 24-hour multilingual rescue hotline, which is still very practical for travelers who are new to overseas.

3. The insurance amount should refer to the travel days and travel location information.

The insured amount of outbound travel insurance should refer to the number of days of travel and the consumption level of tourist areas.

For example, countries under the Schengen Agreement stipulate that the insurance amount shall not be less than 30,000 euros, or about 250,000 yuan; For countries without mandatory requirements, the insurance coverage of overseas travel medical insurance should be more than 654.38+10,000 yuan.

4. Read the insurance clauses and make a clear claim.

It is important to pay attention to buying any insurance, clauses and related claims.

Overseas medical insurance will implement medical first payment. If not, it is necessary to keep medical documents and pay attention to various expenses to avoid unnecessary medical expenses.

5. Selection strategy of market representative products:?

There are too many contents of overseas travel protection, such as accidental disability, accidental medical treatment, emergency medical transportation, condolence and visiting expenses, luggage delay, travel delay, personal belongings loss, bank card theft and so on. And many products can evolve according to different time and destination. At present, many companies provide overseas insurance products, such as AIA, Allianz and Times Property Insurance. Representative in the market are:

Meiya: A Journey to the World

Meiya: Leyouyou

Allianz: European Schengen visa

PICC: Overseas Travel Insurance

The first three products can be purchased through online sales platforms such as insurance company official website, and the last one is sold on Taobao.

So how to choose all kinds of insurance products?

If you prefer foreign brands, it is recommended to choose Allianz, which is recommended by the Schengen Visa Embassy. The rescue service is provided by Allianz's own rescue agency, which can be guaranteed not only in Schengen countries, but also in other regions.

If you pay attention to cost performance, this product of PICC is the best choice with the highest cost performance, which is not only highly guaranteed, but also very cheap. It is highly recommended.

If you value high-risk sports: If you want to carry out high-risk sports, you must pay attention to the protection of this area. Otherwise, if you buy it in a hurry, it will be bad if you can't claim after the subsequent accident. In the hot air balloon explosion accident in New Zealand in 20 12, 13 people were killed. Although everyone has bought insurance, six of them are deductibles for hot air balloon insurance. It is recommended to pay more attention to comparison.

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6. Other precautions

International rescue service: once you are in danger abroad, as long as you get in touch with the rescue agency cooperating with the insurance company, the rescue company will provide one-stop service, including treatment and rescue, and arrange for family members to visit the disease abroad.

High coverage: We recommend that the coverage be at least 300,000. In addition to the requirements of Schengen countries, the insured amount is actually less than 300 thousand, which can not achieve the purpose of transferring risks, so we suggest that the insured amount must be high.

Accident medical care and disease medical care: We know that the medical system abroad is very different from that in China, and the cost is relatively expensive, so we should also focus on the amount of medical expenses protection when choosing, which is the focus of choice.

Whether there are large prepaid expenses: If there are large air tickets and hotel prepaid expenses (non-refundable fees) before going out, it is recommended to purchase the protection of high-insured travel changes to pass on possible losses.