What insurance should I buy for outbound travel?

The subject can ramble about the whole overseas travel insurance by asking this question. Let me first talk about why it is compulsory to buy "related insurance". The difference between overseas travel and domestic travel is that tourists have to bear the first-aid medical expenses when they suddenly have diseases or accidents abroad, and they cannot be reimbursed through medical insurance or ordinary commercial insurance. Many people think that a fall won't cost much, but remember, we can't use domestic medical standards to measure the medical expenses of unknown diseases. In developed countries in Europe and America, the medical expenses caused by accidental falls and sudden diseases are not at the same level as the domestic medical level. It's okay to have a minor fall. Simple treatment, even if it is dozens of times more expensive than domestic ones, will not become too much economic burden. However, if it is a serious fall or sudden illness, not everyone can laugh it off if the domestic treatment cost is multiplied by N times. After the treatment, it is inevitable to look at the bill. If it needs to be shipped back to China after the dangerous period, it will be another expense. Take the serious spinal injury as an example, you must lie flat when transporting it. If you transport it by civil aircraft, you need to refit 6-8 ordinary tools to place the stretcher. If it is a sudden cerebral hemorrhage or a more serious limb amputation, it must be transported after the treatment is stable at the place of travel. Choosing when and how to transport needs careful consideration, which is both spiritual and economic. The possibility of an accident or sudden illness is low, but once an illness occurs abroad and requires medical treatment, it may impose a burden on the family economy of tourists. In fact, tourist destination countries force tourists to buy this kind of insurance to protect tourists. Travel insurance is expensive, so don't be lazy. Here is an interesting story. In countries with developed medical systems, there is generally no need to pay the advance payment such as "hospitalization deposit" (the local medical security system is perfect), but in recent years, some areas have begun to charge a certain proportion of treatment advance payment when receiving tourists, because some tourists look at the bill after treatment, and then they are unknown, leaving no clouds! Country! Yes! The hospital is too big to find anyone to pay, so it can only be planted. It has begun to improve the system to collect hospitalization deposits in advance. (The truth of the story cannot be guaranteed, but some areas need to collect the hospitalization deposit in advance. What is compulsory "related insurance"? Clever, you must already know that "related insurance" is the accident medical insurance and medical transshipment insurance illustrated in the above article. The former guarantees the medical expenses caused by accidents and sudden diseases, while the latter guarantees the transportation expenses necessary for medical treatment. The insurance that can cover these two types of liability includes travel insurance, overseas liability high-end medical insurance and overseas medical insurance. Pay attention to the need to carefully check whether the protective items of the latter two are complete. The cost of high-end medical care and overseas medical care is relatively high, generally one year, and the annual premium is more than 20,000 yuan, and the insured amount is generally not less than 6,543.8+00,000. If it is only used for short-term travel, travel insurance is the most suitable choice. You can choose to protect the number of days and the premium is low. When you travel to Schengen countries, you need to submit a certificate of "purchasing full medical insurance abroad" when submitting a visa application. If you don't submit this document, the embassy will not issue a visa. (The insured amount of accidental medical treatment and medical transshipment in Schengen countries should be above RMB 300,000). Some countries do not require proof of purchasing medical insurance when they apply for visas, but they need to show documents when they go through customs to prove that "I have bought enough insurance to deal with medical risks" (such as the United States), and then they can show a complete travel insurance policy. Therefore, when traveling abroad, we must pay attention to the requirements of different countries on the content and amount of insurance coverage, and avoid refusing to sign or failing to pass the customs (it is no problem to refuse to sign, and it will be sad to be stopped by the customs if you have time to change your visa and re-sign). After all this nonsense, you just want to know: I want to travel abroad, so what insurance should I buy? What kind of insurance should I buy? If you just want to buy insurance that meets the visa requirements, you only need to buy unexpected medical treatment, medical transshipment and necessary protection required by the visa and customs. The cheapest insurance on the market is the optional overseas travel plan with property insurance, which can only cover the above two items. Take the security plan that meets the Schengen visa as an example. 18-85 years old 48 yuan, the price is beyond imagination. Visa requirements vary from country to country. If you already have a travel plan, you can answer it in private. If you buy travel insurance only to meet the requirements of the plan, there is no need to look down. The types of insurance recommended above can meet the visa requirements of most countries/regions. However, if you want to give yourself and your family a comprehensive protection, it is recommended to plan your travel insurance according to the following ideas. The insurance recommended by others does not apply to everyone, all families and all travel plans. In fact, travel plans should be adjusted according to the different characteristics of people, projects and destinations. Here's an example: I just sorted out the relevant contents of the medical insurance reimbursement strategy, hoping to help you: the national social security medical insurance application reimbursement process in 2020!

What is the destination of 1? The mandatory requirements for the destination of unexpected medical treatment and medical transshipment have been explained above, so I won't repeat them here, just above the limit. However, even if it is not compulsory, it is strongly recommended to buy enough emergency medical and accident medical insurance, that is, timely and effective medical assistance can be obtained, and the family economy will not be affected by the high medical expenses (some types of insurance can provide direct medical compensation). In terms of property protection, if you travel to Paris, Brazil, Thailand and other areas with high robbery rates, you must do enough property protection, especially the loss of personal belongings, the loss of cash and the theft of bank cards.

Configuration mode:

The amount of stolen credit cards can be set according to the overdraft limit of bank cards. If there is a situation similar to the teller's intentional theft of bank cards, travel insurance will compensate the corresponding losses, and the price of stolen credit card insurance is very cheap, and the insurance amount of 50,000 yuan only needs a few dollars;

In addition, the insured amount is determined according to the value of personal belongings and the amount of cash carried during the trip. If a large amount of cash (especially dollars and euros) is robbed during the trip, the insurance company will also compensate the corresponding losses.

Attached is a piece of news that was controversial on the Internet before, "China tourists hit people at American airports: the clerk left his credit card". In the news, if Ms. Liang was in a hurry to board the plane and suffered losses due to the theft of her bank card, some types of insurance did not provide protection because "there must be a report certificate issued by the competent department of the tourist destination", and she did not have this condition after returning home. However, some types of insurance only provide the "report certificate issued by the police", and do not specify whether it is the police certificate of the incident, and you can claim compensation after being stolen. Many people don't notice such details, but they need to pay more attention when choosing insurance.

If you travel through or in an excluded area (usually a war-torn country), try to avoid buying products with excluded areas when choosing products. 2 sports you may take part in during your trip.

Generally, when you go to Maldives, everyone will participate in diving projects with different difficulties; Going to the Alps in winter is basically to experience skiing. However, such projects may not be included. For example, diving is a "high-risk sport" for some types of insurance, which is not covered. However, in some insurances, it is clearly stipulated that "diving activities completed with underwater gas cylinders (non-breathing tubes)" and "leisure diving activities under the guidance of professional diving instructors in tourist attractions" provide protection, and some insurances even cover diving. Skiing is the same, some types of insurance are guaranteed, and some types of insurance are not. You need to choose insurance according to your travel plan.

If you plan to take part in sports, you must do enough protection when buying travel insurance. All sports can be insured except skydiving and adventure. Please pay attention to the terms and conditions before buying. 3 Travel family structure Traveling alone: There is no doubt that the travel insurance purchased must have the function of global medical direct payment, because there may be no one overseas to help after the accident, and in the case of injury, the relief agency can directly pay medical expenses to reduce a lot of worries (traveling alone is also beneficial, such as being more free, and I will occasionally go out alone). Traveling alone with children or the elderly: Travel insurance must be equipped with the return service for underage children and the elderly. If you can't take care of your family, I hope your family will return to China first. This insurance is effective and compensate for the economic losses caused by it (if you have insurance, you can arrange for someone to return it). In addition, if the child is naughty, it is recommended to buy travel insurance for third party liability. If the child accidentally causes physical and economic losses to others, parents need to bear the liability for compensation. If there is such a responsibility, the insurance will compensate the relevant losses within the scope of the insured amount. Family outing: If the house is vacant, it is suggested to have travel home protection in travel insurance to pass on the risks brought by robbery, natural disasters, fires and broken houses. It is suggested to provide targeted travel insurance for the whole family, which can save premiums and make the family's insurance protection more reasonable. For example, one of the family members who are responsible for travel home insurance can buy this kind of protection (the insurance amount is not enough); Minors and the elderly do not need property insurance, but can focus on health protection and third-party liability. It is not necessary for the whole family to buy the same travel insurance to avoid wasting resources. 4 is there a large amount of prepaid expenses? If there are a large number of prepaid expenses (non-refundable expenses) for air tickets, train tickets and hotels before travel, it is recommended to buy travel change insurance with high insurance coverage to pass on possible losses. If the trip has to be cancelled due to irresistible factors such as hospitalization, destination strike, bad weather, being summoned to testify in court, the liability for compensation is limited to the insurance amount to compensate for non-refundable air tickets, train tickets and prepaid hotel expenses. If you don't leave the country many times a year, you can buy insurance according to the time of single trip, but pay attention to the price unchanged for a certain period of time, such as 1-7 days. If it is within 7 days, it is recommended to buy a 7-day guarantee to avoid delaying the trip. If you often leave the country, you can buy annual travel insurance. It is recommended to buy products with comprehensive guarantee responsibility and wide applicability. Pay attention to the single continuous withdrawal days insurance, some products are 90 days, some products are 182 days, and some products are 365 days (365 days insurance is less cost-effective). 6 flight delays, frequent business trips, must have encountered flight delays or even cancellations. Flight delay insurance in travel insurance can compensate the losses caused by flight delay. A customer said that his flight was cancelled and the insurance company lost 1200. He joked that he had made a profit by speaking out. Jokes are jokes, and the lost time is really not measurable by hundreds of thousands of dollars. It takes a lot of energy to change flights, hotels and travel plans. The compensation for flight delay can only be compensated economically. Generally speaking, the higher the time value, the higher the insured amount. These contents are just examples, and there are other guarantees, such as travel change insurance and certificate loss insurance. They are all very complicated, so I won't analyze them one by one. If you want to know, you can answer them separately.

If you still have doubts about the choice of insurance, in another article, I compared and analyzed four kinds of travel insurance with high coverage and four kinds of travel insurance with low premium, which can basically meet the needs of most people. You can go to the overseas travel insurance product comparison-read the product cost-effective group to check.

That sounds reasonable, but the travel insurance has insured us! General travel agencies buy travel agency liability insurance, similar to employer liability insurance, which only covers losses caused by negligence or fault of travel agencies. The insured is travel insurance, not tourists. If the staff tells tourists that they have purchased travel insurance, please make sure that all policies are "travel agency liability insurance" or "travel insurance". There is an essential difference between the two, avoiding the insurance misunderstanding that "insurance has been bought and no additional configuration is needed". I am original, please indicate the author Vincent, and attach a link to jump to the original.