To study abroad, you should buy accident insurance in advance, which kind of travel insurance is good?

Be sure to buy insurance before studying abroad. Because medical insurance and accident insurance can be compensated in cash in case of sudden illness or accident, especially in some countries with high medical expenses, this compensation will greatly reduce the burden of medical expenses for international students. Accident insurance is the first guarantee that international students should have, and it can be purchased in China.

At present, major insurance companies have specially designed insurance coverage for outbound personnel, and the guarantee period ranges from a few days to one year. The scope of protection generally includes accidental death and disability, reimbursement of medical expenses, and some economic losses. For example, China Life Insurance's overseas accidental injury and emergency rescue insurance for China citizens has a coverage period of one year, and the coverage mainly includes accidental death and disability, overseas emergency outpatient assistance, etc. There is not much difference between the insurance coverage and coverage bought abroad, but the premium is much cheaper.

2. Medical insurance and health insurance

When applying for insurance, you can purchase study abroad insurance in two steps at home and abroad. Generally, if you sign a 90-day study visa, you can buy 90-day overseas travel insurance first and then renew it locally. Compared with general medical insurance and accident insurance, overseas travel insurance takes into account the differences of medical expenses in different countries in product design, and also increases international rescue services, with a relatively higher compensation level. However, the longer the overseas travel insurance period, the more expensive it will be.