How to buy overseas travel insurance when traveling to Thailand

Outbound travel is becoming increasingly popular, and more and more people like to experience exotic customs abroad. However, in recent times, accidents have occurred frequently in some overseas tourist destinations. Industry insiders remind outbound tourists that it is necessary to purchase insurance before traveling. So, how to buy overseas travel insurance when traveling to Thailand?

First, the insurance amount should be moderate. Considering the consumption level abroad, some tourists often choose insurance products with high insurance coverage when purchasing medical insurance, thinking that high insurance coverage is good. As a reminder, when traveling to countries with high medical expenses such as the United States, Singapore, and Japan, the insured amount of medical insurance should not be less than 200,000 yuan; and when traveling to countries such as Thailand and Malaysia, if the trip is short, the amount of medical insurance The insured amount is about 100,000 yuan.

Second, choose the most important types of insurance according to your needs. There are many types of overseas travel insurance on the market, ranging from flight delays and lost luggage documents to hospitalization insurance and SOS international rescue. Since the more protection functions you have, the more expensive the premium will be. Insurance recommends that you do not have to insure all of them when choosing insurance. You can choose the required protection from the three categories of accident insurance, medical insurance and SOS international rescue service.

Third, remember the rescue hotline. A very important aspect of overseas travel insurance is emergency assistance. Once the policyholder encounters an insurance problem, remember to call and report it as soon as possible. In terms of emergency assistance, you can call the rescue hotline for anything as minor as a tourist losing his or her passport or wallet outside, or as major as an accident. As for language communication, policyholders do not need to worry too much because some large international insurance groups will provide Chinese services. Therefore, tourists should learn more about the emergency rescue services and the service level of the overseas rescue companies that provide this service, so as to make the best choice.

Fourth, you don’t need to carry the policy with you. Some tourists may think that if they do not carry their insurance policy with them, the insurance company will not pay compensation if they are in danger. In fact, when consumers travel overseas, they do not need to carry their insurance policies with them; if they are in danger, consumers can report the accident by phone and notify the insurance company in time. The insurance company will provide guidance on claims settlement and inform relevant precautions. Even if the policy is lost, you can still get insurance protection as long as the accident occurs during the insurance period and it falls within the scope of insurance liability.

Fifth, understand the visa requirements of the country of travel. Different countries have different requirements for visas for overseas tourists. Some countries have no compulsory insurance regulations, while others have clear insurance regulations. Among them, some countries have clear requirements for overseas insurance, some countries have relevant regulations on the amount of insurance, and some even have restrictions on the insurance companies.