What is the coverage of international travel insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! With the continuous improvement of people's living standards, traveling abroad has become one of people's favorite ways of traveling at present. In order to improve the protection of people's overseas travel, it is necessary to buy appropriate international travel insurance in time.

What is the coverage of international travel insurance?

1. Personal accident protection: During the insurance period, if the insured suffers accidental injury outside China, and dies, is disabled or suffers third-degree burns within 180 days from the date of the accident, the insurance company will pay the corresponding insurance money according to the agreed amount.

2. Overseas hospitalization medical security

During the insurance period, if the insured suffers from accidental injury or sudden acute disease while traveling abroad and must be hospitalized, the insurance company shall bear the reasonable hospitalization expenses arising from the treatment through the rescue agency within the insurance amount.

3. Overseas emergency outpatient service and dental care

If the insured needs emergency outpatient service or emergency dental treatment due to accidental injury or sudden acute disease, the insurance company shall bear reasonable emergency outpatient service and emergency dental treatment expenses and operation expenses through the rescue agency within the insured amount.

4. Overseas emergency medical rescue guarantee

Medical transportation and repatriation, the cost of returning the remains or funeral expenses abroad, the return of minor children, the return of entourage, additional medical assistance services and condolences.

5. Overseas hospitalization allowance subsidy

During the insurance period, if the insured has been hospitalized overseas for more than 24 hours continuously, the Company will pay the daily cash subsidy insurance premium to the insured through the rescue agency.

6. Travel delay protection

During the insurance period, if the insured goes through the formalities of waiting for public transport at the agreed time, and the trip is delayed for more than 4 hours due to mechanical failure, bad weather, strike, hijacking or industrial action, the company will pay the insurance money to the insured within the insured amount after the insured provides the written certificate of the delay time and reasons issued by the carrier.

7. Hospitalization safety of minors accompanying them.

During the insurance period, if the minor children of the insured have been hospitalized overseas for more than 24 hours continuously, and a qualified doctor advises the insured to accompany their minor children for hospitalization, the company will pay the insurance money to the insured within the insured amount.

8. Prevention of loss of travel documents

During the insurance period, if the insured loses or steals his passport, personal certificate or traveler's check abroad and reports to the police within 24 hours after the incident, our company will pay the insured's expenses within the insured amount through the rescue agency, including the expenses for the insured to re-obtain his passport, personal certificate or traveler's check and the reasonable and necessary transportation and accommodation expenses for obtaining the above documents.

9. Overseas emergency assistance service guarantee

The 24-hour tourist hotline service provides all kinds of consulting services before and during the trip, as well as exclusive services of protocol and honor.

Choosing a suitable international travel insurance requires a clear understanding of the scope of product protection before insurance, so as to avoid disputes in later claims settlement. In addition, choosing the right international travel insurance is also inseparable from choosing a professional insurance platform, the largest insurance e-commerce platform in China. You are welcome to buy it.