What insurance do you need to buy when traveling abroad?

International emergency rescue insurance: International emergency rescue insurance is one of the best-selling export insurance products. Because tourists are unfamiliar with the destination country, if language barriers are added, it is easy to be helpless in the event of an accident. For the above reasons, most insurance companies cooperate with international rescue organizations to launch international emergency rescue insurance. It provides a series of protection for the insured, from general assistance to accidental injury.

Property loss insurance: Property loss insurance cannot be purchased in life insurance companies, but generally needs to be insured in property insurance companies. Generally speaking, the protection of property loss insurance mainly covers claims for loss, damage, luggage delay, trip cancellation, trip delay, trip shortening, etc. In addition, the insurance company can also be liable for personal injury or property loss caused by the insured's personal negligence.

Personal accident insurance: going abroad, accidents are inevitable. There are two types of insurance that can provide protection for personal accidental injury: one is to compensate the insured for death or disability caused by accidents abroad, and the other is to compensate the insured for outpatient medical expenses incurred abroad. The first kind of insurance generally appears in the form of main insurance, which can be purchased by anyone who goes abroad, and the second kind of insurance generally appears in the form of additional insurance, which can only be purchased on the premise of purchasing the main insurance.

Medical insurance for outbound travel: medical insurance products that can reimburse treatment expenses in foreign medical institutions, such as high-end medical insurance products, should be selected.

Do you need to focus on the premium or the insured amount when buying insurance?

When buying insurance, we should consider not only the premium, but also the insured amount, as well as the insurance coverage. If users have sufficient premium budget, users can try to choose insurance products with higher insurance coverage, which will be more practical. But we should also pay attention to whether the insurance includes what we want, such as whether there are common diseases in the critical illness insurance and whether the payment conditions are too harsh.