I'm going on a short trip to Taiwan Province Province, which will last only three days. How to buy short-term overseas travel insurance?

How to buy overseas travel insurance? "Eleventh" is coming, and all major travel companies have launched their own domestic tours and foreign tours, among which overseas tours are the most popular. In addition to choosing a good way to travel, you should also choose a good overseas travel insurance product before you travel. Insurance experts remind the public that overseas travel insurance is different from domestic travel insurance. Because they are unfamiliar with the language and environment, it is very important to insure overseas travel insurance, preferably including global emergency rescue services.

On August 24th, 20 12, around 14, a tour group from Guang Zhi, Guangzhou, was suspected to have an accident in a tunnel in Chiayi City, Taiwan Province, and the coach got stuck in the tunnel. Among the 3 1 group members, 24 passengers were injured to varying degrees and were sent to 4 local hospitals for treatment, among which 3 passengers were seriously injured. The traffic accident in this tour brought people not only blood lessons, but also concerns about personal safety. So how do citizens who travel abroad buy overseas travel insurance?

Many citizens who travel will insure themselves with a travel agency liability insurance, just to ensure their travel safety. This kind of insurance generally only covers the disability or death of tourists caused by travel agencies unilaterally, but cannot provide protection for accidental death or disability caused by tourists themselves.

How to buy overseas travel insurance? The global travel insurance of Ping An Insurance Mall provides protection for hundreds of countries around the world. You can choose according to your destination. Online shopping malls can directly pay insurance online, including Alipay and Tenpay. Provide 24-hour emergency rescue and medical care first, so that your overseas travel safety is more secure.

Remind the public that the language of outbound travel is unreasonable. If there is no global emergency rescue service after the accident, it will be difficult to get it. How to buy overseas travel insurance, insurance experts remind the public that it is very important to have global emergency assistance when insuring overseas travel insurance; At the same time, it can provide a 24-hour rescue service hotline, and in case of an accident, it can get timely treatment. Experts also reminded that many insurance companies also include some risky activities in the scope of travel protection for overseas travel, including rock climbing and skiing. Therefore, citizens who travel abroad should choose the most suitable overseas travel insurance according to their destinations. +

Anyone who intends to go abroad knows that foreign countries attach great importance to insurance benefits. Many countries require tourists to take out certain insurance before entering the country (collectively referred to as outbound travel insurance), otherwise they will refuse to apply for visas. Different countries have different requirements for outbound travel insurance. In addition to purchasing corresponding outbound travel insurance, you must choose outbound travel accident insurance with overseas rescue services.

Methods/steps

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Outbound travel insurance should be tailored to local conditions.

According to the visa requirements of the signatory countries of the Schengen Agreement, all short-term visa applicants must purchase overseas medical insurance when submitting visa application materials, and prove that they can bear the hospitalization expenses and repatriation expenses abroad. The amount of medical insurance is not less than 30,000 euros, and the duration of outbound travel insurance is not less than 1 month.

In other words, if you choose Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, the Netherlands, Portugal, Spain, Sweden and other countries, you must take out travel insurance including medical insurance. If consumers travel to Thailand, Malaysia, the United States, Africa and other countries, travel medical insurance is not a necessary condition for visas, but in order to prevent accidents, they should still insure themselves with a medical insurance.

The insured amount of outbound travel insurance should refer to the number of days of travel and the consumption level of tourist areas. For countries that have no mandatory requirements, the insured amount does not have to be as high as 300,000 yuan. For example, in countries with high medical expenses such as the United States and Japan, the amount of travel medical insurance cannot be less than 200,000 yuan; Thailand, Malaysia and other Asian countries have shorter trips, and the medical insurance coverage can be around 654.38+10,000 yuan.

2

Pay attention to the emergency rescue service of accident insurance for outbound travel.

Different insurance companies pay different amounts for accidental injuries or medical insurance in overseas travel. Consumers should know and compare the relevant clauses of various insurance companies in detail before taking out insurance, and buy accident insurance or medical insurance suitable for their outbound travel according to their own economic conditions and actual needs.

/kloc-The insurance premium for outbound travel with a term of 0/to 7 days ranges from 200 yuan to 300 yuan, and the insurance premium for travel with a term of more than 90 days is several thousand yuan. When buying outbound travel insurance, you should pay attention to whether it includes international emergency rescue services. Because the outlets of domestic insurance companies are difficult to spread abroad, outbound travel insurance products usually cooperate with international emergency rescue companies. No matter whether tourists lose their wallets or passports, they can call the rescue hotline, and some big international insurance companies also provide Chinese services.

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At the same time, considering that tourists don't bring a lot of cash when they travel, the rescue company will make medical advances to ensure that insurers get timely treatment. For minor illnesses that can be solved by themselves, such as fever and cold, the insured can claim compensation from the insurance company afterwards as long as he keeps the receipt and diagnosis certificate.

In short, different countries have different needs for purchasing outbound travel insurance. It is recommended to consult professionals when purchasing travel insurance and choose the appropriate travel insurance as a safety guarantee. At the same time, when purchasing overseas travel insurance, we must pay attention to whether international emergency rescue services are included, and choose reliable international emergency rescue companies to avoid not being properly placed in case of accidents.

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First of all, understand the relevant regulations of the destination country.

Different countries have different requirements for visas for foreign tourists. Some countries have clear requirements for the types of insurance, some countries have clear requirements for the amount of protection, and some countries have clear requirements for insurance companies. Take the European Union as an example. Since June 2004, going to EU countries and purchasing overseas travel insurance have become prerequisites for issuing Schengen visas. Russia, Belarus and other countries have similar regulations. In addition, some countries also have certain requirements for insurance coverage. For example, Germany stipulates that the insured amount shall not be less than 30,000 euros. Moreover, Schengen countries have different requirements for China citizens to enter the country with the original insurance policies, some of which are strict and some are relatively loose, and even individual countries have different requirements for different ports of entry. Since the implementation of these measures, many delegations have been refused entry into Schengen countries after obtaining visas because they did not bring the original insurance policies they purchased. Therefore, consumers who have purchased travel insurance had better keep a copy in China and take the original insurance policy with them.

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Second, choose the right insurance company.

It is very important to choose the right insurance company to buy overseas travel insurance. Under the current market situation, due to fierce market competition, the products of various insurance companies are less different. Therefore, for consumers, the first consideration should be the strength, organization and brand advantages of insurance companies. Generally speaking, strong and reputable insurance companies should be the first choice.

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Third, we should tailor our clothes.

The price of purchasing overseas travel insurance is mainly based on three factors: the number of days of leaving the country, the insured amount and the consumption standard of the destination country. Therefore, as long as the insurance you buy can meet your own risk protection needs, the higher the better. Consumers should tailor their products according to their own economic strength.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.