How to buy foreign travel insurance?

Foreign travel insurance can be purchased as follows:

1. Choose a reasonable amount of insurance. Different countries and regions have different consumption levels and medical policy conditions. Consumers should fully consider the consumption level, relevant policies and their own situation in their travel areas and choose reasonable insurance coverage.

2. Read the disclaimer carefully. Many medical expenses compensation insurance covers medical expenses caused by accidents and sudden diseases. If the insured has incurred medical expenses due to past diseases during the trip, it is not covered. In addition, accidental injuries caused by wars, military operations and terrorist activities during the travel process are not covered by accidental injury insurance. Therefore, when purchasing overseas travel insurance, we should carefully read the exemption clauses of insurance products, understand the scope of insurance coverage, what can be insured and what not, and avoid disputes.

3. Pay attention to rescue services. This is especially important for people who travel abroad. The global rescue organizations cooperated by different insurance companies are different, and the contents of rescue services are also different. If consumers buy insurance products with emergency rescue service terms, they should know the qualifications of rescue organizations, the contents and processes of emergency rescue from insurance companies, so as to avoid being passive in case of accidents.

4. Save relevant certificates. Accidents will inevitably happen when traveling abroad. Once an accident happens, consumers should never lose their minds. They must keep relevant certificates, such as the alarm certificate after economic loss, the delay certificate issued by the airline after flight delay, the receipt from the hospital, etc. These are all important materials we need when making claims, so as to prevent the insurance company from refusing to make claims due to incomplete procedures when applying.

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