Experts teach you how to buy overseas travel insurance?

Now people's living standards are improving, and it is not uncommon to travel abroad. However, when people enjoy the beautiful scenery and wonders, they often ignore the risk factors. China Merchants Cigna experts reminded that it is essential to prepare an overseas travel insurance when traveling abroad. So, how to buy overseas travel insurance? Let's use this article to see what the experts say.

How to buy overseas travel insurance depends on the demand.

Nowadays, cars have become the means of transportation for the general public, so the number of people in go on road trip is increasing. However, whether people choose go on road trip or group tour, whether they choose long-distance international tour or short-distance domestic tour, they should choose overseas travel insurance according to their actual needs, rather than pursuing "big and comprehensive".

Recently, China Merchants Cigna launched a "worry-free" return accident insurance, which was loved by people. This insurance covers a wide range, which provides protection for accidental death, disability, accidental injury and acute medical treatment of the insured during overseas travel. It also includes 13 full set of emergency assistance services such as arranging medical treatment, transshipment and children's return to China, which makes people feel more at ease! What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

For tourists, when considering buying overseas travel insurance, it is not necessary to buy insurance products with too complicated protection items. People can choose the most needed security according to their travel location and play mode. Generally speaking, the most important thing to consider when traveling is the protection of personal safety and health, so accidental injuries, accidental medical care, vehicle insurance, etc. are all priorities for everyone.

According to statistics, there are two kinds of overseas travel insurance products on the market at present: one is that consumers can freely choose the scope and amount of protection, and they can choose more than 20 kinds of protection at most; The other is a product with clear coverage and insured amount, which gives consumers less choice; . Experts suggest that people choose the former and determine the specific content according to their own needs to ensure more scientific and reasonable.

Matters needing attention in overseas travel insurance can not be ignored.

When considering purchasing overseas travel insurance, the most important issue is the matters needing attention in purchasing overseas travel insurance. To sum up, there are the following three points:

First, when purchasing overseas travel insurance, we should pay attention to whether the insurance provides protection for personal liability. There are two kinds of protection, one is to provide personal accidental injury protection, and the other is to provide both personal accidental injury protection and property loss or personal liability protection, which are very different.

Second, we should pay attention to whether there is a time limit for overseas travel insurance. In view of the question of what insurance to buy for overseas travel insurance, experts suggest that people should pay attention to whether there is a time limit when traveling abroad. Time limit refers to how long the insurance company will pay the medical expenses if there is an accident during overseas travel. Generally speaking, most insurance companies will choose 180 days as the relevant period. But some insurance companies will not follow this calculation method. For the insured, the longer the term, the better for themselves. Therefore, the insured must pay attention to this when purchasing foreign travel insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Third, we should pay attention to whether there are geographical restrictions on overseas travel insurance. Different regions will directly affect the insurance company's rate. Therefore, when choosing foreign travel insurance, the insured should pay attention to its geographical choice and regulations.