Schengen travel insurance purchase strategy

With the further opening of China to Europe, the number of people planning to travel to Europe or other regions has increased dramatically. Traveling to Europe, Schengen travel insurance is essential. Here is a brief introduction to the purchase strategy of this insurance.

Why buy Schengen travel insurance?

I believe that everyone who loves to travel is eager for a trip, but many people's dreams are "finally ruined" because of the constraints of work, money and life. In fact, the reason why people can't leave without saying anything, except for some practical factors, may be that they didn't buy Schengen travel insurance. Why is this?

Because French, German, Italian and other 12 EU countries have put forward compulsory insurance requirements for China citizens who apply to travel to this country, and provide Schengen travel insurance that meets the requirements when applying for a Schengen visa. Therefore, in order to get a visa smoothly, it is very necessary to buy enough Schengen travel insurance.

Basic requirements for purchasing Schengen travel insurance

As a basic prerequisite for issuing a European Schengen visa, all applicants must apply for Schengen travel insurance. Insurance products purchased must have the following points:

1. european schengen visa is handled by the applicant in his own country. If he doesn't have it in his own country, it can be handled in any country, or it can be handled by the host country in the destination country.

Two, the purchase of insurance products must include the cost of returning home due to illness and the cost of first aid and emergency hospitalization.

Third, medical insurance covers at least 30,000 euros.

Four, Schengen travel insurance must be valid throughout the Schengen area and during the trip. In other words, the travel date and return date when purchasing insurance must be within the guarantee period.

Five, the insurance clauses must be accompanied by global emergency rescue services.

Insurance liability of Schengen travel insurance

1, accidental death insurance liability

Within the validity period of the insurance, if the insured has an accident while traveling in Schengen countries with valid certificates, and the accident leads to his death within 180 days, the insurance company will pay the death insurance premium according to the amount agreed in the insurance, and the insurance liability will be terminated. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

2, accidental disability insurance liability

Within the validity period of the insurance, if the insured suffers an accident while traveling in Schengen countries with valid certificates, and the accident causes disability within 180 days from the date of the accident, the insurance company will pay the disability insurance money according to the proportion in the Disability Degree and Insurance Payment Table attached to this contract.

3, accidental burn insurance liability

Within the validity period of the insurance, if the insured suffers accidental injuries while traveling abroad with valid certificates, and burns and scalds are directly caused by the accidental injuries within 180 days from the date of the accident, the insurance company shall pay the insurance premium for burns and scalds according to the third-degree burns and scalds scale attached to this contract.

4, medical expenses insurance liability

During the validity period of the insurance, the insurance company will compensate the insured for the medical expenses caused by accidental injury or sudden illness during his trip to Schengen countries, with valid certificates.

5, emergency rescue insurance responsibility

If the insured encounters an emergency or needs while traveling in Schengen countries, he can get help by calling the rescue number indicated on the insurance policy.

6. Other optional insurance liabilities

The insured can increase the additional insurance liability through a separate agreement in the insurance contract, and the insurance company will provide the insured with the corresponding compensation liability according to this agreement.

Suggestions on Schengen Travel Insurance

First, it is best to provide medical expenses in advance.

Generally speaking, the main purpose of purchasing Schengen travel insurance is to prevent accidents when traveling in Schengen countries. Therefore, when buying insurance products, be sure to ask whether to provide medical expenses in advance. In this way, if you encounter an accident or emergency abroad, you may have no worries if you have insurance to provide medical expenses in advance.

Second, read the exemption clause clearly.

In the Schengen travel insurance contract, not all accidents are covered. For example, many products list skiing, rock climbing, water skiing, diving, skydiving, horseback riding, hiking, whitewater rowing and other very dangerous activities as exclusions. If the insured is accidentally injured due to participating in the above activities, the insurance company will not be liable for claims, so you should carefully understand the relevant exemption clauses when you apply for insurance.

Third, understand the basic situation of emergency relief agencies.

At present, the emergency rescue services of most domestic insurance companies are in cooperation with international emergency rescue and purchase. It is suggested that the insured can judge which products are more suitable for him by comparing the strength and network distribution of international emergency rescue partners provided by insurance products. After all, the strength of emergency rescue agencies will affect whether the insured can get timely assistance in case of danger.

Fourth, carefully look at the differences in product protection scope.

It is understood that emergency rescue services can provide the following guarantees to the insured:

1, 24-hour free telephone medical consultation; 2. Recommend medical institutions and make an appointment to introduce doctors; 3. Delivery of first-aid medicines and medical supplies; 4. Assist in hospitalization procedures; 5. Prepaid hospitalization deposit and medical expenses; 6, during and after hospitalization condition monitoring; 7. Send it to a local doctor for treatment; 8. Emergency medical rotation arrangement and payment; 9. Arrangements and payments for emergency medical repatriation; 10, transportation arrangement and payment of remains; 1 1, urgent message sent; 12, pre-departure information service; 13, translation service arrangement; 14, escort arrangement for minors; 15, find and transfer luggage; 16, turn to urgent parts; 17, legal aid services; 18, to assist in applying for reissue of travel documents; 19, arrange emergency repatriation service, etc.

Although Schengen travel insurance includes global emergency assistance services, not all of them cover the above protection. For example, if China Merchants Cigna introduces the accident insurance for overseas Schengen travel, the rescue agency shall bear the following insurance responsibilities: compensation for hospitalization expenses, arrangement for medical treatment, shuttle service, transfer to China, hospitalization of children, arrangement for children's return to China, transfer of remains to China, cremation, on-site burial, administrative assistance, legal assistance, relatives' visit and assistance for lost passports. Therefore, when you insure, you should carefully look at the differences in product coverage. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

Finally, I would like to remind you that because insurance companies have different coverage for accidental injury or medical insurance, the insured should know and compare the relevant clauses of various insurance companies in detail before purchasing, and purchase Schengen travel insurance that suits them according to their own economic conditions and actual needs.

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