Is it necessary to buy overseas travel insurance? Which one is better?

As more and more Chinese people travel abroad, various situations arise. In order to shift this direction, overseas travel insurance is very necessary. Do you have any plans for your vacation? Do you really know how expensive medical treatment abroad is? Please share more specific content with everyone.

What I value most about overseas travel insurance is emergency rescue and medical protection. In the event of an accident, time is of the essence, and it is right for everyone to complain about safety after-sales service.

In recent years, more and more Chinese people have traveled abroad, and the incidence of accidents has also increased. Currently, European Schengen countries need to purchase overseas medical insurance worth RMB 300,000 when applying for an outbound travel visa. After this incident, several friends asked me how to buy overseas travel insurance.

Two check points:

1. The amount of medical expenses and medical transportation must match the medical level of the tourist country, and it is best if the insurance company can pay in advance;

2. The relationship between emergency rescue and insurance companies. If the rescue company is directly affiliated with the insurance company, communication will be much faster.

Recommended insurance companies:

Meiya Allianz Overseas Travel Insurance

The recommended AIA and Allianz travel insurance are relatively reliable. As far as individual emergency rescue is concerned, both have their own direct rescue companies.

AIA (AIA’s parent company, AIG, which sold AIA during the subprime mortgage crisis) is an exclusive international travel assistance company called TravelGuard, specializing in a variety of travel insurance solutions and global assistance services , service network spreads all over the world.

Customers with Mayer travel insurance can seek help after a travel accident by calling TravelGuard’s global service hotline 400-888-3080 or overseas rescue hotline 862152989068.

Protection provided by travel insurance

Accidental death and disability

Medical compensation expenses

Emergency rescue services

Compensation for property damage

Other countries in Asia, such as Southeast Asia, have low consumption and the quotas can be smaller.

Overseas travel insurance is a 24-hour comprehensive emergency rescue service and insurance protection for accident, medical and rescue service expenses jointly launched for overseas travel, visiting relatives and friends, business trips and other risks.

Tailored for overseas travelers and business people, it covers accidental personal protection, hospitalization, sudden acute illness and other protection contents.

In addition, most overseas travel insurance companies cooperate with emergency rescue services. With their global network and modern medical facilities, they provide customers with 24-hour medical advance and overseas emergency rescue medical services.

When traveling abroad, travel agencies recommend consumers purchase comprehensive insurance, but travel agencies do not provide much risk protection. In addition to group insurance, passengers have little other insurance coverage.

“When consumers choose overseas travel insurance, they should give priority to product quality and service rather than price.” Pan Jiacheng, head of related products of Ping An Property & Casualty Insurance, said that insurance companies can based on consumers’ risk status , travel days and travel destinations to provide consumers with customized insurance service plans. Consumers can fully understand whether their risk points are covered, whether the medical outlets covered by rescue are wide enough, whether Chinese services are available, etc.

When purchasing overseas travel insurance, consumers are often prompted to choose insurance products with emergency rescue services as much as possible. "It is still recommended to buy products from foreign insurance companies for overseas travel. The awareness of claims service and global resource network are unmatched by Chinese insurance companies." Some consumers believe that overseas travel insurance is "reliable" for foreign insurance companies.