Which overseas travel insurance is better?

First of all, you must know the risks that may be involved in your travel itinerary, and then choose products corresponding to these risks, so that you can choose the right one. How to choose travel accident insurance

Risks are likely to occur when you go out. I have compiled some common situations:

These risks during travel can actually be transferred through travel accident insurance. But with so many travel accident insurance options, how should you choose? I suggest focusing on the following three points:

Select Point 1: Pay attention to the medical insurance amount

If an accident occurs during travel, it is very important that the accident medical expenses can be reimbursed, so you must consider it first The insured amount for accidental medical treatment should be sufficient to cover the medical expenses in the place of travel.

Generally speaking, if you are traveling domestically, an accidental medical insurance amount of RMB 50,000 to RMB 100,000 is basically enough; if you are traveling overseas, try to buy more than RMB 300,000 for medical expenses.

In addition, in some countries and regions, if the amount of accidental medical insurance does not meet the requirements, entry will not be allowed. For example:

Schengen countries require no less than 30,000 euros (about 30 Ten thousand RMB), my country Taiwan shall not be less than 125,000 RMB.

Selection point 2: Pay attention to emergency rescue

When a critical incident occurs, such as a traffic accident or sudden serious illness, emergency rescue help is urgently needed, and the cost will be borne by the insurance company .

There was news in 2017: A Chinese tourist suffered a sudden meningitis while traveling in Bali, and ultimately spent 600,000 on a chartered flight back to China for treatment.

If she buys travel accident insurance, and the travel accident insurance coverage includes emergency rescue, then she does not have to spend money on the high charter flight fees, and the insurance company can reimburse her.

I am away from home and in an unfamiliar place. If there is an emergency, at least there will be rescue services that will not be at a loss.

Selection point 3: High-risk sports

If there are high-risk sports such as diving and rock climbing during the trip, you need to pay attention to the fact that some travel accident insurance does not cover high-risk sports. Which overseas travel insurance is best?

For overseas travel insurance, I have also selected the following 7 models:

Starr Overseas Travel Insurance

AXA Tianping Zhixingtianxia

< p>AXA Tianping Travel Guarantees Global Travel

Meiya Travels

Allianz Global Overseas Travel Insurance

Ping An Official Overseas Travel Insurance

< p>Starr Micro Travel European Travel Insurance

The comparison chart is as follows:

Let’s talk directly about the conclusion:

If you value emergency rescue: Starr, AXA, AXA Both Lianhe and Meiya are self-owned or exclusive rescue agencies. Compared with third-party rescue, the service will be more convenient; and the "Starr European Travel Insurance" sold on WeSure can be reimbursed based on actual expenses, which is also worth considering. .

If cost-effectiveness is important: Ping An's "overseas travel insurance" has an accidental medical insurance coverage of 300,000 yuan and emergency rescue services of 4 million yuan. The price is also very cheap, only a few dozen yuan.

If you value medical treatment for diseases: AXA Tianping’s two products can also reimburse RMB 20,000 to RMB 30,000 for medical expenses caused by pre-existing conditions before buying insurance, such as high blood pressure, diabetes, etc. And the vast majority of products are not guaranteed.

If you have high-risk sports: AXA Tianping Travel Insurance has expanded the coverage for skydiving, hang gliding and other projects. Friends who have high-risk sports itineraries can consider it.

Travel insurance is a very personalized product, and there are many products. It is difficult for me to cover everything, but these products should be able to meet the needs of most people.

If you are not sure, you can read the insurance terms or call the insurance company’s customer service to ask whether high-risk sports are covered.

In addition to the above three points, travel insurance also provides protection against flight delays, luggage loss, property theft, personal liability, etc. These protections are not the most important part of travel insurance. Just choose according to your needs. .

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