How to buy travel medical insurance

Traveling is a good thing. In order to give ourselves more protection, we'd better buy an insurance. 1. Precautions for purchasing personal overseas travel medical insurance 1. The cost of handling insurance is not less than 30W RMB, and the coverage of insurance should include the compensation for hospitalization, emergency rescue and repatriation of the insured in case of illness and medical accident in Schengen countries; 2. The insurance policy must be valid during the entire travel of the insured in Schengen District; 3. For the insured who is already sick or obviously prone to illness, the claim amount of the policy can have higher requirements; 4. If the purpose of going to Schengen countries is to treat diseases, the policy needs to separately prove who can bear the cost of treatment. 2. What materials 1 and passport are needed to purchase personal overseas travel medical insurance, and the passport must provide copies of all visa records; 2, 2 inch photos; 3. The original and photocopy of the household registration book, all contents need to be translated; 4. The ID card needs an original and a translation; 5 proof of going abroad issued by the work unit, including the applicant's name, position, salary, travel time abroad, etc. And indicate the name, address and telephone number of the person in charge of the work unit, affix the official seal and issue the name, position and signature of the person in charge, with an English translation; 6. Download the visa application form on the website of the other consulate; 7. Visa insurance. If the insured amount is more than 30,000 euros, and it needs full protection, you can find an insurance company or buy it online; 8. As long as the ticket office or ticket agent can buy an international ticket, they can make a round-trip ticket reservation; 9. Personal economic guarantee salary, unfrozen deposit certificate, or real estate license, or vehicle purchase, etc. Original and translation are required; 10, residence and reception certificate, residence and reception certificate of Schengen country. Some countries can accept the website reservation certificate, while others only accept the hotel fax certificate. You can check it on the website first. All the above materials need 1 original and 1 copy. A4 paper is required and submitted in the above order. 3. What are the insurance methods for personal overseas travel medical treatment? 1. Consumers can buy at the sales counter of a professional insurance company and fill in an application form. After receiving the insurance premium, the insurance company will issue an insurance certificate, and the insurance will take effect. 2. Consumers can also insure online. Consumers fill in insurance information online and pay, and insurance companies issue electronic insurance vouchers and send them to customers by email or SMS, and insurance will take effect. 3. Consumers can contact a qualified personal agent to buy. Many consumers have their own insurance agents, and consumers can buy through this agent. 4. It can also be purchased through a qualified agency: Many insurance companies install system terminals in agencies. After the customer provides insurance information and delivers the insurance premium to the agency, the agency prints the insurance voucher to the consumer through the insurance company system, and the insurance takes effect. To sum up, the precautions for purchasing personal overseas travel medical insurance are as follows: the policy amount is not less than 300,000 RMB, and it is valid during the exit period.

Legal objectivity:

Personal medical insurance has entered people's lives more and more, and its high guarantee can reduce the high medical expenses caused by accidents. However, we should be careful when choosing personal medical insurance, otherwise it will not only fail to play its due role in protection, but may also cause unnecessary economic losses and claims disputes. First, pay attention to the age limit of insurance. Different insurance companies have different regulations on the minimum insurance age. According to different types of insurance, the minimum insurance age generally ranges from 90 days after birth to 16 years old. However, the maximum insurance age stipulated by various insurance companies is roughly the same, which is 65 years old. If your age is not within this range, generally speaking, you are not suitable for insurance. The younger you are, the less the premium will be. It is recommended to take out insurance as early as possible. Second, pay attention to the obligation to tell the truth. When concluding an insurance contract, you should truthfully state your current physical condition and past medical history to the insurer, so that the insurer can judge whether to accept insurance or under what conditions. Some inpatient medical insurance clauses clearly include some serious diseases (such as congenital diseases, leukemia, etc. ) is within the coverage. So don't conceal the medical history, otherwise the insurance contract will be invalid, and even if there is an insurance accident within the scope of responsibility, the insurance company will not fulfill its obligation to pay compensation. Third, pay attention to the scope of insurance. When buying insurance, it is important to know the scope of insurance. Only when an insurance accident occurs within the scope of responsibility will the insurance company fulfill its obligation to pay compensation. For example, the best-selling critical illness insurance in the market is generally the first disease diagnosed after insurance. Such as cancer, stroke and myocardial infarction. Diseases such as asthma and tuberculosis are not covered. Fourth, pay attention to the wait-and-see period of hospitalization medical insurance. The so-called wait-and-see period, that is, after the insurance contract takes effect for a period of time, the insurer is liable for the medical expenses incurred by the insured due to illness. In addition to the hospitalization expenses caused by accidents, for general hospitalization insurance, insurance companies have a wait-and-see period when underwriting. Depending on the type of insurance, the wait-and-see period is 90 days from the effective date of the contract and 180 days. The insurance company will not bear the medical expenses incurred during the wait-and-see period. Fifth, pay attention to the deductible clause. For some low medical expenses, insurance companies generally adopt the deductible clause. On the one hand, the insured can afford lower medical expenses; At the same time, it can also save a lot of manpower invested by insurance companies for claims settlement. On the other hand, it can urge the insured to strengthen the self-control of medical expenses and avoid unnecessary waste. So when you buy medical insurance, you must pay attention to the deductible. If your medical expenses are lower than the deductible, you can't get a claim.