How to buy overseas travel insurance for transnational travel

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

Hello! Outbound tourism has become a major trend, but various risks abroad can not be ignored. After encountering various risks abroad, it is most important to get rescue and medical treatment as soon as possible. Therefore, the purchase of overseas travel insurance for transnational travel requires the purchase of additional emergency rescue insurance.

First of all, it is necessary to determine whether the coverage of the insured products includes overseas insurance or medical treatment. Accident insurance and life insurance products can pay insurance money for the major consequences of the insured's accidental death (accident insurance usually includes disability liability), usually regardless of whether the accident occurred in China.

Speaking of medical expenses, medical expenses incurred abroad are usually exempted from insurance clauses because of the different consumption levels in different countries. It is not excluded that some insurance products will cover overseas medical expenses, but generally the insured needs to pay in advance and then convert them into domestic medical expenses for settlement after returning home. This is a lack of protection for travelers who go out.

Passengers traveling with a group have already insured the liability insurance of the travel agency, so do they still need to insure themselves? According to insurance experts, travel agency liability insurance covers the personal and property losses of tourists caused by travel agency responsibility. If it is a dangerous situation caused by tourists' optional actions, this insurance coverage is not guaranteed.

However, the protection of travel agency insurance is limited, and it often seems inadequate when a major accident really occurs. It is also a responsibility for yourself and your family to advise passengers who have the ability to take out a travel insurance.

Risk occurrence is a probabilistic event, not a question of whether it will happen, but a question of when and where it will happen. Overseas, the geographical environment is unfamiliar and the language is unreasonable, so it is extremely important to ask for professional rescue, which can be realized through overseas travel insurance and additional overseas travel medical rescue insurance. At present, there are professional emergency rescue insurance products in the world, and you can choose to buy them freely: