How to buy overseas insurance during the Spring Festival

How to buy overseas insurance during the Spring Festival

Traveling abroad with your family during the Spring Festival has become an important part of many citizens’ holiday life; and in order to ensure protection when traveling abroad, many people Everyone wants to buy themselves an overseas travel insurance. Accordingly, experts specifically remind citizens who choose to travel abroad to pay attention to the following four issues.

First of all, travel liability insurance does not cover tourists’ “accidents”. Some tourists traveling in a group believe that as long as the travel agency has purchased travel liability insurance, they can claim compensation from the insurance company no matter what problems occur. However, Chongqing insurance experts said that if tourists encounter unexpected situations during their travels, travel agencies will only bear part of the responsibility, because travel liability insurance is an insurance that travel agencies must underwrite. It only pays for the financial liability that travel agencies bear due to negligence or fault. Accidents caused by tourists themselves are not covered. Therefore, when traveling, you must buy travel accident insurance for yourself and your family to increase your protection. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

Secondly, the insurance period should match the travel time. Chongqing insurance experts said that if the travel itinerary changes, tourists should adjust the coverage period of the selected insurance; if there are journey delays, trip cancellations, etc., tourists should obtain written proof of flight changes and other relevant information from the airport or airlines and other departments , in order to make a claim to the insurance company in the future.

Third, the higher the overseas travel insurance coverage, the better. Chongqing insurance experts said that when traveling to countries with high medical expenses such as the United States, Singapore, and Japan, the insured amount of medical insurance should not be less than 200,000 yuan; while when traveling to countries such as Thailand and Malaysia, if the trip is short, medical insurance The insured amount is about 100,000 yuan. What kind of good medical insurance is there? Which one is worth buying? Take a look at this year's top 10 best-selling insurance policies by insurance companies: latest in 2020! List of the top ten insurance companies for popular medical insurance

Finally, you may not be fully compensated after an accident. Chongqing insurance experts said that the insurance amount agreed in personal accident insurance is only the maximum insurance limit that the insurance company will pay, not the actual payment amount. Except for the maximum compensation amount for aviation accidents, other personal accident insurances will pay proportionately. In addition, many travel accident insurance policies are “exempt” from high-risk activities such as horse racing, rock climbing, adventure rafting, diving, alpine skiing, skateboarding, bungee jumping, and surfing. Therefore, when choosing travel insurance, tourists should pay attention to whether the travel insurance introduced by the insurance company has any restrictions on the compensation of sub-liabilities.

Baoge.com recommends the following Spring Festival overseas insurance for you: