How to insure travel insurance when leaving Europe?

When purchasing European travel insurance, we should not only choose the appropriate insurance coverage according to the destination, but also choose the appropriate coverage, coverage scope, coverage period, etc.

First, the choice of insurance coverage should refer to the consumption level of the destination

Considering that the overall economic level in Europe is relatively high, even in non-Schengen countries, the medical expenses are relatively expensive, and the amount of medical insurance should not be too low. Everyone can buy it according to the local medical level. For countries with high medical level and high risk, it is recommended that the insured amount should not be less than 2, yuan. For countries with low medical level and safety, the insurance amount is more than 1, yuan.

Second, choose insurance products with emergency rescue

No matter Schengen countries or non-Schengen countries, when purchasing European travel insurance, they should choose products with emergency rescue service, especially those with emergency medical delivery and return. For example, in small countries like Moldova, Andorra and San Marino, the medical level is relatively poor, and when they encounter major accidental injuries or diseases, they need to be transported to big cities for treatment in time. At this time, emergency rescue services are particularly important.

Third, advance payment can reduce the trouble of claim settlement

In terms of insurance payment, European travel insurance can be divided into two types: reimbursement afterwards and advance payment. The so-called "after-the-fact reimbursement" means that in the event of an accident when traveling to Europe, the insured will pay the medical expenses by himself, and then claim compensation from the insurance company after returning home. This means that if the insured unfortunately has an accident abroad and incurred expenses such as hospitalization, he/she needs to solve the funding problem first and have enough funds to pay all the expenses caused by the accident.

and "advance payment" means that if the insured has an accident, the hospitalization expenses will be directly borne by the insurance company within the insurance amount according to the contract, and the uninsured need not rush to a foreign country to raise funds. Therefore, when you apply for insurance, you must clearly see whether the medical expenses are "paid in advance" or "paid afterwards", and try to choose products that can be paid in advance.