How to buy travel insurance abroad How many kinds of travel insurance are there?

Traveling abroad, many friends must have considered whether to buy insurance. In fact, this depends entirely on personal wishes. If you are really not sure, Bian Xiao still recommends you to buy it. Bian Xiao will tell you about Yuan Ying who bought insurance.

Do you want to buy travel insurance when traveling abroad? Some countries have no mandatory requirements, but there are many uncontrollable factors due to outbound travel.

Therefore, it is suggested that friends who travel abroad must purchase relevant travel insurance. After all, it can not only provide enough protection for its own safety, but also make up for the unpredictable economic losses during the journey. Travel insurance is generally destination-centered, divided into Europe, America, Southeast Asia, Hong Kong, Macao and Taiwan, and the whole world.

Many countries and regions require relevant insurance certificates when issuing visas. For example, to go to Schengen in Europe, the general insurance amount requires that the medical liability amount and repatriation liability amount for diseases and accidents be not less than 300,000.

Turbulent countries such as Somalia, Syria and Yemen are generally not covered. It is not recommended that you travel to these countries. If you want to go, it is recommended to consult a specific insurance company. Before traveling, you will watch some news about the destination. If you are safe and suitable for traveling in the near future, you can pay attention to the China Consular Service Network and release the sudden news and some necessary help calls as soon as possible.

China Consular Service Network Website:/

What should I buy for travel insurance? The more general travel insurance covers, the more expensive it is, ranging from tens to hundreds of yuan. At present, there are many types and clauses of overseas travel insurance in the market. Sister in mainly buys these three kinds before each trip:

Medical security:

The main function is to cause reasonable and necessary medical expenses when encountering accidents or sudden diseases abroad, and to provide compensation for related expenses.

Accidental injury:

Its main function is to compensate for death or disability caused by accidental injury abroad.

Emergency rescue service:

Provide intimate information consultation before travel; Provide medical consultation, evaluation and recommendation, admission guarantee, emergency medical transfer, medical return and other rescue services when encountering accidents during travel. Its main function is to get immediate assistance when an accident or sudden illness occurs abroad. Therefore, we must pay attention to the choice of insurance products with emergency rescue services. In addition, according to your own needs, you can also choose whether to include lost, damaged or stolen items and cancel air tickets, hotels and other related insurance.

In addition to buying insurance, try not to "show off your wealth" when traveling abroad. It is recommended to carry a small bag on your chest to hold your mobile phone, wallet and passport. The suitcase in the hotel room should also be locked.

When traveling, I usually carry a paper policy with me, because some insurance products have direct compensation function. If there is an emergency abroad, the insurance company will pay the medical expenses directly as long as the insurance policy is presented. If the purchased products are reimbursed afterwards, you must keep relevant documents for subsequent claims.

How to buy travel insurance? Travel insurance purchase channels are generally divided into online and offline channels.

Online shopping is a very convenient and quick way. Both Taobao and Alipay have insurance services, which can be purchased directly or in official website, a major insurance company.

Offline is generally directly connected with the insurance company's brokerage agent, and the agent will configure the appropriate products according to your situation.

These destinations should pay attention to the United States, Australia and New Zealand when choosing insurance.

Medical expenses in the United States and Australia and New Zealand are relatively expensive, so it is recommended to buy insurance products with high medical insurance coverage, and recommend insurance products with medical insurance coverage of more than 400,000-500,000.

Schengen state

To apply for a Schengen visa, you need to purchase insurance products with medical compensation exceeding 30,000 euros (about 300,000 RMB) to pay for medical expenses that may occur in the Schengen area. When choosing insurance, pay attention to the insurance logo of Schengen visa and the corresponding "medical compensation" insurance amount. Enter the destination country, and put the signing country first.

If this is the way you travel with a group.

Many people think that travel agency insurance is enough to travel with a group, but it is not. Travel agencies generally insure travel agency liability insurance, which is the insurance to protect the travel agency's responsibility to tourists. Accidents that are not caused by travel agencies can't be guaranteed, so it's best to apply for travel insurance yourself!

independent travel

More and more people choose to travel freely, and general travel insurance can meet most of the insurance needs of free travel. If the trip includes high-risk sports, it is necessary to confirm whether it is necessary to purchase additional high-risk accident insurance.

self-driving tours

Ordinary self-driving: not only do people need insurance, but it is best to buy insurance for their own cars. It is recommended to buy insurance with road rescue service. If a self-driving car breaks down during driving, the insurance company will provide on-site emergency rescue services, professional vehicle traction and transportation services and special rescue services for vehicles in distress.

Car rental and self-driving

Car rental and go on road trip are becoming more and more popular. I wrote an article about how to travel abroad by car before. Generally, car rental companies will provide insurance for car rental protection, which can provide additional self-payment compensation for car rental insurance, compensation for stolen and robbed rental items in the car, compensation for loss caused by vehicle stalling or forced replacement, and compensation for delayed car delivery.

Precautions 1. You must buy it before you travel.

You can't buy travel insurance after departure. Insurance must be applied before departure, and the guarantee can take effect.

It is the most economical to buy by the day.

Because there are many services provided by overseas travel, the daily premium is also increased accordingly. Therefore, when purchasing outbound travel insurance products, the most economical way is to buy by the day, from the domestic boarding time to the disembarkation time. However, if the embassy of the destination country has special requirements for visas, it needs to be handled separately. For example, some European countries will ask for an extension of the insurance period for several days at the end of the trip, otherwise they will not be able to apply for a visa.

3. The exemption clause should be clear.

Traveling abroad, the special situation of different countries, is often expressed by special clauses or exemption clauses in insurance contracts, such as countries with frequent wars may be refused insurance; Rock climbing and diving, special tourism projects in some countries, are exempt clauses; Some relief agencies need to provide the original insurance policy on site and read it carefully to prevent temporary accidents.

4. Outdoor sports high-risk accident insurance

If skydiving, rock climbing, skiing, diving and other high-risk projects are involved in the travel process, it is recommended to buy special outdoor sports high-risk accident insurance, because these high-risk projects are excluded from the terms of general travel insurance, and if accidents occur in these activities, travel insurance will not pay.

5. Deductible or conceited proportion

Deductible is the loss that the insured bears a certain proportion and amount. The insurance company is not responsible for compensation if the loss amount is within the specified amount. Please read the coverage carefully before taking out insurance. (If the medical deductible stipulated in the policy is 200 yuan, that is, if an accident occurs, the medical expenses will be paid in 300 yuan, and the insurance company will pay a maximum of 100 yuan; If the actual cost is less than 200 yuan, the insurance company will not compensate).