Which is better for foreign travel medical insurance? How to insure

As we all know, overseas travel insurance products usually cooperate with international emergency rescue companies. Which is better for overseas travel insurance? Consumers must ask which international relief agency the insurance company cooperates with before taking out insurance. However, "it's always good to be at home, but it's always difficult to go out", so it's better to insure yourself with an overseas travel medical insurance just in case. In case of accidents and diseases, you can get certain protection abroad. Insurance experts said that when insuring overseas travel insurance, we must pay special attention to the insurance demand and coverage. 24-hour emergency medical assistance service can provide comprehensive safety services for everyone.

The amount of medical insurance for foreign travel shall not be less than 30,000 euros.

Authoritative experts in the insurance industry pointed out that different countries have different visa requirements for foreign tourists. For example, to go to Germany, France and other EU countries, travel medical insurance is a prerequisite. According to the regulations of the European Council, you need to apply for overseas travel medical insurance before applying for Schengen visa, and there are two requirements for the insurance purchased: First, the amount of overseas medical insurance is not less than 30,000 euros, generally 300,000 yuan. When you apply for overseas travel insurance, you can decide according to the requirements of the country you want to go out. Don't insure at will, which will directly affect your insurance effect.

See clearly whether the medical expenses after foreign travel medical insurance are "paid first" or "reimbursed afterwards"

When buying European travel insurance, we must see clearly whether the medical expenses are "paid first" or "reimbursed afterwards". It is best to choose insurance that pays medical expenses in advance, which can reduce the trouble of claim settlement after the insured returns to China to a certain extent. In recent years, overseas medical insurance claims disputes have gradually increased. Many insured people have accidents abroad and are treated in local hospitals. When they go to the insurance company with medical documents, some items can't be settled because of unreasonable expenses.

Foreign travel medical insurance: which high-end medical insurance is worth having?

Which kind of overseas travel insurance is better? High-end medical insurance is worth everyone's insurance. China Merchants Cigna High-end Medical Insurance can provide comprehensive medical insurance for everyone, covering comprehensive hospitalization expenses. The annual guarantee amount is as high as 20 million, and there are many optional guarantees such as outpatient service, health check-up, ophthalmology and dentistry, and international emergency rescue services to meet everyone's medical needs. 24-hour taboo medical assistance service, whether at home or abroad, can enjoy comprehensive security services. Insurance experts pointed out that the coverage of overseas travel insurance and medical insurance introduced by some insurance companies is as high as 500,000 yuan and 6,543,800 yuan. In fact, the coverage of overseas travel insurance should also refer to the number of travel days and the consumption level of the destination, and the coverage is not necessarily as high as possible. Everyone must attach great importance to these issues.