What is travel medical insurance?

Travel medical insurance, also known as Schengen visa insurance and overseas medical insurance, is a must-have insurance when applying for a Schengen visa. All foreign citizens entering Schengen territory are required to have valid travel medical insurance. The insurance covers all Schengen areas, including France, Italy, Portugal, Switzerland and other European countries. The insurance is valid during the travel period, and the minimum insurance amount is 30,000. EUR. There are many types of travel medical insurance due to different companies and different terms, but they can basically be divided into three categories: first, rescue protection; second, personal injury protection; and third, property damage protection. Travel assistance guarantee: Tourists can receive effective help when encountering problems or accidents during the entire travel period. This protection is launched by insurance companies in cooperation with international rescue organizations. Its principle is to extend the insurance company's subsequent claims settlement process forward and provide effective assistance to the insured in advance or in a timely manner. When traveling abroad, if you encounter language bottlenecks, accidents, or legal disputes, you can get free assistance with just a phone call. Personal accident insurance: refers to different types of insurance such as accident insurance that occurs while traveling by means of transportation, accommodation accident insurance during accommodation, and personal accident insurance that occurs at tourist attractions. If an accident occurs while traveling abroad, the insurance company must not only pay the stipulated medical expenses, but also pay compensation to the family members of the accident victim. Property loss protection: If personal luggage is lost or damaged, luggage is delayed, travel delays and other accidents occur during travel, the insurance company shall pay compensation to the insured. In addition, if the insured causes property damage to others due to personal negligence and is legally responsible for financial compensation, the insurance company can compensate on his behalf. The above three types of travel medical insurance are relatively practical. After all, if you are abroad, having an extra layer of protection will always give you peace of mind, right? When purchasing, you need to base your purchase on your actual needs and never buy blindly. If you are traveling abroad, it is recommended to purchase overseas assistance insurance; if you are traveling independently, you should purchase insurance for personal safety and property protection? In short, everything should be based on your own needs and purchase travel medical insurance wisely.