How to buy medical insurance when traveling to America?

It is a good thing to travel abroad. No one wants any misfortune, but it is also a kind of peace of mind to buy insurance for yourself. First of all, according to the regulations of Schengen countries, from June 1 day, 2004, all short-term visa applicants must purchase overseas insurance when submitting visa application materials to prove that they can cover the hospitalization expenses and repatriation expenses abroad. The insurance amount is not less than 300,000 yuan, the insurance period is not less than one month, and it covers all Schengen countries. A visa can only be issued after the passport and insurance policy are submitted at the same time. Secondly, as far as overseas insurance itself is concerned, it is like an "amulet", which gives people a solid sense of security in an unaccompanied foreign land. Therefore, buying overseas insurance before going abroad is not only to get a visa, but also to add a guarantee for yourself. 2. What should I pay attention to when handling overseas travel medical insurance 1? Pay attention to whether to provide personal liability protection. Travel insurance is an insurance that provides economic compensation for the insured's losses caused by accidents during travel. According to the differences in the scope of insurance products, travel insurance in the market can be roughly divided into two categories: one provides only personal accident protection, and the other provides both personal accident protection and property loss or personal liability protection. 2. Pay attention to whether it contains high-risk projects. In order to experience exciting outdoor sports, some citizens will choose high-risk self-help tours such as diving, bungee jumping, rock climbing and exploration. For this high-risk activity, some domestic insurance companies provide short-term travel insurance, some of which include these "high-risk" items that were originally exempted, but some insurance companies have not included them in the scope of responsibility. 3. Pay attention to the time limit. The time limit refers to the insurance company's liability for compensation for death, disability and medical expenses within a few days from the date of the accident. Most insurance companies take 180 days as the deadline. For the insured, the longer the term, the better. 4. Pay attention to geographical restrictions. Accident insurance is not without geographical restrictions. Different geographical restrictions (such as domestic and foreign, overseas, etc.). ) will directly affect the rate. Therefore, when choosing accident insurance, we should pay attention to the choice of region. 5. Pay attention to the limitation of medical expenses. Most insurance companies define medical expenses, which are generally medical expenses within the scope of social security. For example, serious accidents may result in relatively expensive medical expenses, that is, some self-funded medical expenses outside the scope of social security. Third, can overseas medical insurance be reimbursed in China? China's medical insurance can only be reimbursed if it is treated locally, not overseas. However, some of the insurance purchased for overseas travel is reimbursed by the insurance company. Can medical expenses be fully reimbursed? Different overseas medical insurance has different payment standards and methods, so your question needs to be combined with what kind of overseas medical insurance you have insured. I suggest you read the coverage of the product carefully to get an accurate answer. What is the payment process of overseas travel insurance? 1. After the accident, you need to report it 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. As long as you follow the process of overseas insurance claims in detail, overseas insurance claims will not be too much trouble. In order to facilitate your later claims, it is recommended that you choose overseas insurance as far as possible through the formal insurance platform. To sum up, the reason why you must buy overseas travel medical insurance is that some Schengen countries have this requirement, and the second is to have a security guarantee for yourself after buying it.