Under normal circumstances, on the way to travel abroad, I suddenly fell ill and was hospitalized. What is the compensation ratio of overseas travel insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! Traveling abroad often leads to the occurrence of disease risks due to factors such as acclimatization, so it is necessary to pay special attention to your personal safety when traveling abroad, and it is necessary to buy a suitable overseas insurance for yourself in time.

On the way to travel abroad, I suddenly fell ill and was hospitalized. What is the compensation ratio of overseas travel insurance?

Generally speaking, the principles of medical compensation for overseas insurance are as follows:

The scope of compensation should include the following compensation caused by accidents in the process of tourism: compensation caused by personal injury and acute diseases; Medical expenses for treating injuries and acute diseases; Expenses for handling death or repatriating remains; Compensation for lost, damaged or stolen luggage carried by tourists; Compensation caused by third party liability. The above compensation ratio shall be agreed by the travel agency and the insured insurance company.

Different overseas insurance products have different regulations in this respect, so you should read the protection clauses in this respect carefully before applying for insurance to avoid unpleasantness when making claims in the future.

How to settle claims in overseas insurance

1. After the accident, it is necessary to report the case as soon as possible and tell the detailed process of the accident.

The insurance company will send staff to investigate the accident. If the accident is identified within the coverage of your overseas travel insurance, the compensation will be determined.

3. In case of flight delay, a flight delay certificate should be issued at the airport to ensure the claim settlement afterwards.

4. Prepare relevant claim materials.

5. Get compensation.

In order to facilitate your later claims, it is recommended that you choose overseas insurance as far as possible through the formal insurance platform. There are many overseas insurance products of insurance companies on the website. By purchasing overseas insurance, you can not only enjoy online one-stop comparison service, but also our professional claims team will help you make final claims once an insurance accident occurs.