What does outbound travel insurance mean?

Step 1: Understand the visa requirements of the countries of travel

Different countries have different requirements for visas for overseas tourists. Some countries have no compulsory insurance regulations, while others have clear insurance regulations. Among them, some countries have clear requirements for overseas insurance, some countries have relevant regulations on the amount of protection, and even some countries have limited scope for insurance companies.

For example, if the destination of overseas tourists is Schengen countries such as France, Germany, Italy, etc., they must purchase overseas travel insurance products including medical insurance, and the insured amount shall not be less than 3, euros.

Step 2: Know your own needs and choose the most important insurance.

At present, there are many kinds of overseas travel insurance in the market, ranging from flight delay to lost luggage documents. As big as hospitalization insurance, SOS international rescue. Because the more protection functions, the more expensive the premium. Professionals suggest that travelers can choose the rights and interests protection they need to insure among the three most important types of insurance: accident insurance, medical insurance and SOS international rescue service.

It should be reminded that since different insurance companies cooperate with different global rescue agencies, and their distribution in the world is also different, for example, some focus on North America and some focus on Europe, so the insured may need to choose a more suitable rescue agency according to the destination. In addition, after taking out overseas travel insurance, the insured should keep a record of the agency's global emergency call with him, in case of emergency. It is also best to confirm whether there is Chinese service before insurance to avoid misunderstanding in language communication.

Step 3: Determine the insured amount according to the number of days of travel and local consumption level

In addition to selecting the scope of protection, the specific insured amount of outbound travel insurance can generally be determined with reference to the number of days of travel and the consumption level of the travel area. For example, to go to Schengen countries in Europe, or countries with high consumption level, it is best to cover more than 2, yuan for medical insurance; And if you go to Southeast Asia or South Korea and other Asian countries with moderate consumption level, the coverage of overseas medical insurance can be around 1, yuan.

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