Do I have to buy overseas travel insurance when traveling abroad?

Wutongshu Insurance Network will help you answer questions ~

Generally speaking, only by living abroad for a long time and providing relevant certificates can you buy insurance abroad. If you only travel abroad for a short time, you can't buy insurance locally. Just buy an overseas travel insurance in China before going abroad. Moreover, if you travel to Europe, when you apply for a visa, the embassy will ask the tourists to show proof of overseas travel insurance as the basic prerequisite for issuing a visa. At the same time, Schengen signatories also stipulate that overseas travel insurance purchased by tourists must include overseas medical insurance, and the insured amount shall not be less than 30,000 euros, that is, more than 300,000 yuan.

When buying overseas travel insurance, you must choose formal channels to buy insurance that suits you. According to the regulations of the country where you go, you must buy insurance products that meet the standards of coverage, coverage amount and coverage date, so as to ensure the smooth application for a visa. At the same time, it is suggested to choose insurance that provides medical security and emergency rescue at the same time to give yourself more protection. In addition, the insured should know the global agency outlets of overseas rescue companies and the service level in tourist destinations, so as to make more insurance choices.

Once an accident needs to be settled, it is necessary to report the case to the insurance company at the first time and file a claim. At the same time, according to the insurance contract, prepare claims information, such as insurance policies, reasons, evidence, etc., and then submit these information to the insurance company, waiting for the insurance company's audit notice. After receiving the claim information, the insurance company will generally review the claim within 7 working days, and those who meet the claim situation will make claims.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.