Why do many overseas tourist destinations force overseas medical travel insurance? What are the benefits of overseas travel insurance?

Not long ago, my friend Amai excitedly asked for annual leave and planned to go to Paris for a holiday. When the plane landed, he was caught off guard and lost his luggage. I was anxious to find the insurance company, but I was told that this part was not included in the insurance he bought. This time, I can only admit my bad luck. According to statistics, overseas travel insurance claims, in fact, do not occur in traffic accidents or hospitalization as people think, such as flight delays, baggage delays, property losses, etc., but the focus of compensation. So this part of the content should be the focus of protection. At present, overseas travel insurance mainly covers medical insurance, accidental injury insurance, family property loss risk, personal property risk during travel, travel ticket loss insurance, travel delay insurance and so on. There are different inclinations according to different specific insurance clauses. Therefore, although many entry visas now require passengers to apply for overseas insurance, you can't blindly buy an insurance just for the visa, you must make a good choice according to your actual needs. In addition, overseas travel insurance products usually cooperate with international emergency rescue companies, and consumers must ask which international rescue agency the insurance company cooperates with before taking out insurance. Overseas emergency rescue service providers include international rescue organizations such as SOS, AXA International Rescue and Youpu Global Rescue. Need to consult tourist information, embassy and consulate information, luggage, passport loss assistance, emergency translation services, emergency legal aid and other help, these international relief agencies will provide help, and some even have Chinese services. When they encounter physical discomfort or medical accidents during the trip, they will help provide telephone medical consultation, assist and arrange hospital visits, and transport necessary drugs and medical supplies. How to buy and confirm whether your travel destination is covered by insurance companies, because the overseas travel insurance of each insurance company will stipulate countries and regions where international travel insurance is not applicable, especially countries and regions prone to war. For example, in Afghanistan, Somalia, Haiti, Iraq, Solomon Islands, Liberia, Sudan and other countries, many insurance companies do not cover it, or ordinary commercial insurance will not cover it. Confirm that the time for purchasing travel insurance must include all time including travel date and return date. Considering the risk status of tourism activities will affect two aspects: whether the accident will exceed the scope of insurance liability; How high should the insured amount be chosen? Consider the insurance liability covered by insurance products and whether the specific details match your own demand orientation. Z = How does Zhao Yizhou, vice president of Datong Insurance Sales & Service Co., Ltd. determine the amount of insurance that suits him? Z: Generally speaking, the basic amount provided by ordinary commercial insurance can meet the needs. If you buy insurance through a travel agency, visitors need to pay attention to check whether the amount of protection meets the requirements. Travel agencies to European countries require tourists to pay both visa fees and insurance fees. In order to save costs and compete for customers at low prices, some travel agencies may not meet the requirements of EU countries. Because the group insurance purchased by the travel agency can also pass the visa, the interests of tourists may not be guaranteed. However, there is no need to set the premium too high. At present, the coverage of overseas travel insurance and medical insurance introduced by some insurance companies is as high as 500,000 yuan and 6,543.8+0,000 yuan. In fact, the insured amount of overseas travel insurance needs to refer to the number of days of travel and the consumption level of the place of travel, especially in countries where there is no mandatory requirement, and the insured amount does not have to be as high as 300,000 yuan. Also, if you go to some areas with concentrated scenic spots and complete facilities, the probability of needing emergency rescue is small, and you may not choose emergency rescue insurance. In the event of an accident, what actions should tourists take to obtain their own insurance rights? Z: Most importantly, after purchasing travel insurance, you must read the main contents of the insurance contract carefully, so that you can make your own preliminary judgment in case of an accident. Secondly, you should carry the contact information of the insurance company with you. Third, the insurance contract must be properly kept. If you don't travel abroad, you'd better bring the insurance contract number. Fourth, after an accident, you should inform the insurance company and insurance service company as soon as possible, which is the key to safeguarding your own insurance rights and interests. Finally, if possible, save all the information for use in claims and other situations. What aspects of overseas travel insurance are easily overlooked by tourists? Z: In recent years, overseas medical insurance claims disputes have gradually increased. Many insured people have been treated in local hospitals after encountering accidents abroad. When they go to the insurance company with medical documents, some items can't be settled because of unreasonable expenses. Here, consumers are reminded to see clearly whether medical expenses are "paid first" or "reimbursed afterwards" when insured, and it is best to choose insurance that pays medical expenses first. Nowadays, communication means are very developed, and insurance companies and insurance service companies also provide services to customers on the network and telephone platforms at any time.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.