Travel insurance knowledge: Travel medical insurance recommendations

At 10:37 Beijing time on March 25, an Airbus A320 crashed in southern France. There were 154 people on the plane, and no one survived. Accidents like this challenge people's endurance time and time again. force. Whether it’s the past 2014 or the just beginning of 2015, health protection will always be a public issue that never goes out of style. Insurance experts remind you: when you enjoy exotic scenery or travel to China, whether you are traveling for leisure, business or studying abroad, unpredictable risks exist anytime and anywhere. For the happiness of you and your family, it is very necessary to choose travel medical insurance when traveling.

About travel medical insurance

Travel medical insurance can provide us with an effective travel protection and peace of mind when we travel far away. If a tourist unfortunately encounters an accident during the trip, or if there is a real emergency medical treatment, the insurance company will provide medical personnel to the policyholder as soon as possible and arrange medical treatment, which to a certain extent solves the trouble of people seeking medical treatment. At the same time, the insurance company will provide us with corresponding reimbursement or claim settlement, and the insured will have certain financial protection. With travel medical insurance, you no longer have to worry about the expensive expenses caused by accidental injuries or hospitalization after illness during travel, thereby reducing our medical expenses during our long trip and ensuring a smooth trip. Travel medical insurance has the following advantages: Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: The latest list! Ranking of the top ten insurance companies in the country

1. The premiums are low, and the insurance costs are affordable for most families: spending about 1.50 yuan or 4.50 yuan a day, you don’t have to worry about getting sick or being hospitalized due to accidental injuries. cost.

2. You can choose different insurance amounts according to different financial affordability and travel modes, including 10,000, 15,000, 25,000, 50,000, 100,000, 150,000, etc.

3. If the insured is younger, in good health, and has no major illnesses in the past, then just choose a basic insurance amount. If the insured person is old and has poor health in the past. Then the policy holder needs to consider purchasing insurance for 50,000, 100,000, or even 150,000.

4. The insurance period can be calculated on a daily basis, and you can choose the insurance period according to your needs. You can get insurance whether you are staying abroad or abroad for a week, half a year or a year.

Recommendation for travel medical insurance

As the saying goes, "It's good to stay at home, but it's hard to go out." As a precaution, you should buy yourself a travel medical insurance in case of an accident. and diseases, you can get certain protection in a foreign country.

I would like to recommend Cigna Global Overseas Travel Accident Insurance to everyone. This is a product suitable for people traveling to Schengen countries for tourism, business, and family visits. This insurance has four significant features: 1. Applicable to global overseas travel, covering travel accidents, sudden illness medical treatment and death; 2. Complete protection, including: accidental injury death and disability protection, and additional travel accident injury medical protection , additional hospitalization medical protection and emergency rescue services; 3. Unique global overseas hospitalization and outpatient medical services, allowing you to go out without worries; 4. You can choose the insurance period according to your own needs, such as: 1-7 days, 10 days, 14 days, 17 days, 31-60 days, one year, etc. You can also customize the number of days. Online insurance is time-saving and convenient. Experts from Cigna Merchants can customize a protection plan for you. The minimum premium is RMB 186.80, which means you spend the least money. Get the most comprehensive protection!

Seeing a doctor abroad can be extremely expensive, especially in the United States. The best way to avoid paying huge medical bills due to injury or illness is to insure with an insurance company. However, it is possible to get free or low-cost medical services in some countries or regions. For example, it is not too expensive for tourists to be hospitalized in Hong Kong if they are sick. Larger medical expenses such as hospitalization fees can be paid directly by the insurance company; however, small expenses such as seeing a doctor, dentist or purchasing medicines usually have to be paid immediately by yourself, and you can only declare it to the insurance company and get it back when you return home.

Some things to note when purchasing travel medical insurance

1. Travel medical insurance must be valid in all Schengen countries and throughout the entire stay;

2. Travel medical insurance The insurance must cover possible repatriation expenses due to illness and first aid and emergency hospitalization expenses, with a compensation of at least 30,000 euros, approximately 300,000 yuan;

3. If the purpose of travel is to treat illness, in addition Additional proof of medical expenses is required;

4. If you purchase travel medical insurance before entering the country, the policy will take effect immediately from the time you board the plane from your place of residence and you will have life insurance with the same amount as the insured amount. (Included automatically in the policy, no additional payment required); As for how China Life is, I just compiled the relevant content, I hope it will be helpful to you: Is China Life good? What insurance is recommended?

5. If you purchase travel medical insurance after entering the country, the "waiting period" for disease coverage is 48 hours. Diseases during the "waiting period" are not covered, but accidental injuries are covered immediately, so The premium for the waiting period must be paid.

The most fragile thing is human life. Buying a travel medical insurance will give you peace of mind and make your family feel more at ease. It is also a way to show your love for yourself and your family!