How to insure medical insurance when traveling to America?

American travel medical insurance insurance guide;

1. Understand the reputation of travel medical insurance companies.

To buy American travel medical insurance, you should choose a travel medical insurance company with a good service record to avoid too much trouble when paying in the future.

2. Understand the burden of medical insurance.

This refers to the medical insurance premium to be paid by the insured. The lower the insurance premium, the better. We must consider the payment of insurance compensation and other restrictions. Under normal circumstances, insurance plans with lower premiums will also have lower compensation amounts and may have more additional restrictions. Therefore, insurance premium should not be the only factor that the insured chooses to buy. The most important thing is to ensure that the insurance plan can effectively provide comprehensive protection for itself.

3, understand the special insurance restrictions

For some medical services, many insurance companies have stipulated certain compensation limits, such as hospitalization fees, doctor fees, operation fees, anesthesia fees and psychotherapy fees. The basic principle of the payment limit of these services is usually that it cannot exceed the average level of the insured's residential area. Therefore, when the insured needs such medical services, the average medical expenses in the living area should be found out to ensure that the specific service payment limit in the insurance plan is sufficient to meet the required medical expenses.

4. When choosing overseas medical insurance for American travel, we should pay attention to the determination of relevant time. If it is a short-term type of travel, you can choose to buy short-term overseas travel insurance. If you buy accident insurance in China, make sure whether this accident insurance will protect against accidents abroad. If it is not covered, you should choose to buy travel insurance.

Test your anti-risk index, and experts will interpret it for you for free!