How do business people and foreigners choose insurance?

With the economic and cultural integration of China and the world, the exchanges and business trips at home and abroad have gradually increased. Whether at home or abroad, how can business elites choose insurance to get enough protection? Foreigners in China or business elites who travel abroad for work know fewer people in a strange country and may encounter more unexpected risks. Therefore, health protection experts suggest buying medical insurance for foreigners to reduce risks and ensure the quality of life. Generally speaking, foreigners or overseas workers who come to work in the mainland for a short time can choose short-term accident insurance including working hours; And if the long-term business elite can choose high-end medical insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

How do foreigners choose insurance in China?

Nowadays, around the topic of "international metropolis", many cities are vying for it. I collect the number of foreigners living in first-tier cities to let everyone know how many foreigners the big family of the motherland has attracted to work and live in China. In 20 12 years, taking the first-tier cities in the north, Guangzhou and Shenzhen as an example, the permanent migrant population in Beijing is about 120,000, accounting for about 0.6% of the total permanent population; The resident population of Shanghai is 6.5438+0.8 million, accounting for about 0.75% of the total resident population; There are about 60,000 migrants in Guangzhou, accounting for 0.49% of the total resident population. The floating population in Shenzhen is about 500,000, accounting for 3% of the total resident population.

When foreigners and their families come to work or travel in China, they must first adapt to the changes in domestic climate, culture and folk customs. Because of the difference in diet, it is easy to get sick because of acclimatization. Therefore, we should choose a comprehensive medical insurance for foreigners-high-end medical insurance. Domestic public hospitals such as the International Medical Department of Peking Union Medical College Hospital, the International Medical and Health Center of Shanghai First People's Hospital, and the Special Needs Department of Guangdong Provincial People's Hospital all cooperate with China Merchants Cigna High-end Medical Insurance, so that foreigners can enjoy multilingual services when they see a doctor, avoid queuing for registration, and pay directly with a medical card, thus avoiding the trouble of the claims process. China Merchants Cigna high-end medical insurance is the first choice for foreigners' medical insurance.

How do business people choose insurance when going abroad?

People who go abroad should pay special attention to the amount of medical insurance when choosing insurance. If you go to Schengen countries in Europe, such as Germany, France, Italy, the Netherlands and so on. The medical insurance amount should be at least 300,000 yuan. If the destination of going abroad is the United States, Japan, Canada and other countries with developed medical level and expensive medical expenses, it is recommended to set the medical insurance at more than 500,000 yuan. However, if you go to Korea, Thailand and other countries with average medical level, the insurance coverage can be appropriately reduced to about 654.38 million yuan. The amount of high-end medical insurance usually ranges from a few million to a maximum of 20 million, and the global direct payment medical system can fully meet the needs of business elites to go abroad for medical care.

In addition, people who go abroad need to pay attention to many aspects when purchasing insurance, such as flight delay, lost documents, property theft, personal accidents and so on. In view of this situation, it is suggested to buy a product with additional flight delay or cancellation guarantee as much as possible, and pay special attention to international rescue services and emergency medical care. After insurance, remember the rescue service number.