What is the coverage of European travel insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! There are many scenic spots in Europe, so traveling to Europe is the dream of many people. In order to ensure the safety of the whole journey, it is necessary to do the corresponding security work before departure. The risks such as flight delay, lost documents, sudden illness, traffic accidents and lost luggage during the journey are also unpredictable. It is very appropriate to buy European travel insurance to escort your trip to Europe. As for how to insure, I suggest you compare your options online. The European travel insurance products of several insurance companies have been integrated globally.

What is the coverage of European travel insurance? 1. During the insurance period, if the insured suffers an accident while traveling abroad with valid certificates, and dies due to an accident from the date of the accident 180, the insurer will pay the death insurance money according to the insured amount, and the insurance liability to the insured will be terminated. 2. During the insurance period, if the insured suffers an accident while traveling abroad with valid certificates, and one of the disabilities listed in the Table of Disability Degree and Payment Proportion of Personal Insurance (hereinafter referred to as "Payment Table 1") attached to this insurance contract occurs within 180 days from the date of the accident, the insurer will pay the disability insurance money according to the payment ratio listed in the table multiplied by the insurance amount. 180 If the treatment is still not finished on the same day, disability appraisal will be conducted according to the physical condition of that day, and disability insurance money will be paid accordingly. 3. During the insurance period, if the insured suffers an accidental injury while traveling abroad with valid certificates, and the accidental injury directly leads to one of the degrees of disability listed in the Table of Third Degree Burns and Grades and Payment Proportion attached to this contract within 180 days from the date of the accident, the insurer shall pay the insurance money for burns and scalds by multiplying the payment ratio listed in this table by the insurance amount listed in the insurance policy or certificate. If the treatment is still not finished, the disability appraisal will be conducted according to the physical condition on the180th day from the date of the accident, and the insurance money for burns and scalds will be paid accordingly. 4. During the insurance period, if the insured has an accident or sudden illness (see Article 1 for the definition) while traveling at home or abroad with valid certificates, and goes to the hospital (see definition) for treatment within five days from the date of the accident or sudden illness, the insurer shall be responsible for compensation according to the insurance contract. 5. When the insured encounters an emergency or needs during overseas travel, he can obtain information free of charge by calling the rescue hotline listed in the insurance policy or insurance certificate within the following assistance scope provided by the insurer or its authorized representative (hereinafter referred to as the "rescue agency"), but the expenses paid by the insured to any service provider for using the following assistance services shall be borne by the insured. Rescue agencies cannot guarantee the service quality of third-party service providers, and the final service choice lies with the insured. 6. The applicant can increase the additional insurance liability by separate agreement in the insurance contract. For the death, disability, burns and scalds caused by the accidental injury accident of the insured in subordinate circumstances or during the period, the insurer shall bear the responsibility of paying the insurance money according to the agreement.

In short, I remind you that when you travel to Europe and buy suitable European travel insurance products, you must read the corresponding clauses of the insurance to reduce unnecessary claims. In addition, I would like to remind you that buying professional European travel insurance is inseparable from a professional insurance platform. Recommend for you is the best channel for you to choose the appropriate European travel insurance. Here, I suggest that you can refer to: