What kind of insurance should you prepare when your child travels abroad during the Golden Week?

The insurance editor will help you answer your questions. For more questions, you can answer them online.

Hello! The National Day Golden Week is coming, and many people are planning to travel abroad. Your child will go abroad to visit classmates, and there are many risks involved during the trip. For this reason, you need to purchase suitable overseas travel insurance to avoid risks.

What kind of insurance is good for your children to travel abroad during the Golden Week?

If your child is under 18 years old, it is recommended that you purchase a more targeted children’s overseas travel insurance; if you If your child is over 18 years old, you can choose the appropriate overseas insurance product based on the specific circumstances of his travel. In any case, when purchasing overseas travel insurance for your children, you need to pay attention to the following points:

1. Set the insurance amount according to the consumption level of the destination country. Among them, special attention should be paid to medical compensation. For minors, they basically have no ability to work and have no wage income. Therefore, when determining the death insurance amount for minors, it is determined based on a person’s basic living standards for 10 years. . If death or disability occurs due to an accident, you can claim insurance benefits from the insurance company. The total compensation from multiple insurance companies shall not exceed the death or disability insurance limit of RMB 50,000 or RMB 100,000. At the same time, medical expenses are based on the cost compensation principle and cannot be benefited. If you have medical expenses due to an accident, you can claim from multiple insurance companies within the limit of medical expenses, but the cumulative compensation amount cannot be greater than the actual medical expenses.

2. The overseas travel insurance purchased needs to cover your entire trip. Make your entire trip covered.

3. When purchasing outbound travel insurance, pay attention to whether international emergency rescue services are included. Since it is difficult for domestic insurance companies to expand their outlets abroad, outbound travel insurance products usually cooperate with international emergency rescue companies. Whether a tourist has lost his wallet or lost his passport, he can call the rescue hotline. Some major international insurance companies also provide Chinese services.

4. Choose a suitable insurance platform and purchase online. You can compare the products of multiple insurance companies and choose the product that best suits your protection and travel needs. Applying for insurance is also very simple and convenient. On the homepage, register as a member for free. After logging in, select the product you like, select the guarantee period, and you can buy it immediately. The price is cheap, and the entire insurance process is clear and transparent, eliminating the hassle of intermediaries. The premiums are lower and the autonomy is stronger.

To purchase suitable overseas travel insurance for your children, you need to pay attention to the content mentioned above. There are many overseas travel insurance products on the website, you are welcome to come and buy them.

You may consider the following products:

Meiya "Little Explorer" Travel Protection Plan? Standard Class

"Le You Global" Overseas Travel Protection Plan Diamond Plan