What is travel medical insurance?

With the increase in national income and the intensification of international exchanges, overseas travel has become a way for people to take vacations and leisure after work. Although going abroad is good, if you are not accustomed to the climate or have a minor illness, , may bring some unnecessary trouble to our trip. Purchasing overseas medical insurance has also become a must-have product for travel. Let’s talk about this today.

What is travel medical insurance

Travel medical insurance (individual or group insurance) can be purchased by the applicant in his or her country of residence; if this is not possible, it can be purchased in any other country or by the inviting person Process it in the destination country.

The insurance must pay for possible repatriation due to illness as well as first aid and/or emergency hospitalization.

The minimum compensation is 30,000 euros, and it must be ensured that the claim can be made to an insurance company, for example, if the insurance company has an office in an EU member state, Switzerland or Liechtenstein.

Travel medical insurance must be valid in all Schengen countries and for the entire period of stay.

In individual cases where there are reasons to do so, such as for persons who are clearly susceptible to disease, higher requirements will be imposed in terms of the insurance coverage required.

If the purpose of travel is to treat a disease, additional proof of medical expenses will be required.

Secondly, we should pay attention to whether the liability of overseas medical insurance is humane and whether the medical claims settlement method is specific. For serious illnesses that require emergency hospitalization, the insurance company can call the rescue hotline, and the rescue company will rescue the insurance company as soon as possible. Considering that the insured does not bring a large amount of cash with him when traveling, the rescue company will make medical advances to ensure that the insured receives the most timely and appropriate treatment. For minor illnesses, such as fevers and colds, which can be solved by oneself, the insured can go to the insurance company to settle the claim afterwards as long as they keep the receipt and diagnosis certificate.

Original proof of travel medical insurance must be submitted when applying for a visa. The visa office keeps a copy of the insurance certificate for their records.

The above is all about travel medical insurance. I hope it will be helpful to you who often travel abroad