People who want to travel abroad should pay attention to buying the best and necessary overseas travel insurance.

I. Necessary insurance for traveling abroad

Overseas travel insurance, travel medical insurance, travel assistance insurance, travel agency liability insurance, travel accident insurance.

2. What is overseas travel insurance?

Overseas travel insurance refers to insurance that can compensate the insured for some unexpected situations during overseas travel, including rescue, reimbursement of medical expenses and compensation for hospitalization expenses. Generally speaking, China insurance company's medical insurance, accident insurance or critical illness insurance will not cover accidental injuries when traveling abroad. Although some Sino-foreign joint venture insurance companies do not restrict the types of hospitals, they also need the diagnosis certificate of domestic hospitals to make claims. Therefore, when the problems in the process of overseas travel want to be solved overseas, we can only rely on overseas travel insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Third, the characteristics of overseas travel insurance

1, overseas guarantee, tailored design

This insurance is tailor-made for overseas travelers and business people, providing overseas emergency assistance and medical services. There is a special line to support relief, medical expenses are also guaranteed, and it is also helpful to get a visa to go abroad.

2, comprehensive protection, travel without trouble

This insurance covers unexpected personal protection, hospitalization, loss of travel documents, travel delays and other expenses, and gives comprehensive consideration to those who go abroad.

3. Helpline, global support

United with world-renowned rescue organizations, with its global network, modern medical facilities and many professional service personnel, it provides 24-hour free rescue hotline and friendly mother tongue service guarantee for outbound personnel.

Four. Types of overseas travel insurance

1, travel assistance insurance

At present, there are more and more opportunities for China people to study or travel abroad. If there are some accidents and legal disputes in a strange country because of the language barrier, with the protection of this kind of travel rescue insurance, you can get free assistance as long as you make a phone call.

2. Passenger accident insurance

During the insurance period, if an accident causes death, disability or loss of physical function of the passenger, the insurance company shall pay all, half or part of the insurance amount to the injured or the family members of the deceased in addition to the medical expenses as required.

3. Travel personal accident insurance

Going to foreign scenic spots may be interested in thrilling tourism projects. If you want to experience it, but you are a little scared, you can choose to travel for personal accident insurance voluntarily. It is best to buy insurance for adventure tours, eco-tours and adventure tours.

4. Personal insurance for accommodation passengers

During the insurance period, if a passenger dies, is disabled or loses his physical function due to accidents, foreign attacks, murders or to protect his or others' lives, or his personal belongings are stolen or robbed, the insurance company will pay insurance benefits according to different standards.

Five, the insurance period of overseas travel insurance

The duration of insurance should match the travel time. If the travel itinerary changes, tourists should adjust the coverage period of the selected insurance. In case of delay, cancellation, etc. Tourists should ask the airport or airlines and other departments for written proof of flight change and other relevant information in order to claim compensation from the insurance company in the future.