How to buy overseas insurance

To buy overseas insurance, you must first master the visa handling regulations of the country of travel, then choose the most important insurance types, and the insurance amount should be based on the number of travel days and local consumption capacity, and finally choose a reliable channel to buy. Fill in the information content of the insured accurately, and keep the relevant content of the insurance policy, such as electronic insurance policy.

1. Mastering the visa handling regulations of the country of travel

Different countries have different regulations on visa handling for overseas tourists. Some countries have no compulsory insurance requirements, while some countries have established insurance requirements. Among them, some countries have clear regulations on overseas insurance types, some countries have corresponding requirements on the amount of protection, and even China has restrictions on insurance companies that purchase insurance.

2. Choose the most important types of insurance to buy insurance as required

At present, there are many types of overseas travel insurance in the market, ranging from the delay of the plane to the loss of valid documents in the suitcase; As big as hospitalization insurance, SOS international rescue. Because the more protection, the more expensive the insurance cost. Insurance experts believe that travelers don't need to buy all insurance when they choose to buy insurance. Generally, they can choose the interest protection that needs to buy insurance among the three most important insurance types: accidental injury insurance, medical insurance and SOS international rescue service.

In terms of actual coverage, the key role of accident insurance and medical insurance depends on the compensation for economic development after accidental death or disability and the compensation for medical treatment and related expenses when suffering from accidents or sudden diseases; SOS international rescue service is mainly based on the 24-hour multilingual rescue hotline, which provides services such as transporting the insured to the outpatient clinic, distributing the medical information, paying the advance fee for hospitalization, and marking the nearest embassy. It is still very useful for travelers who have just arrived abroad.

3. The insurance amount refers to the number of travel days and local consumption power

Except for the selected protection category, the actual insurance amount of outbound travel insurance can generally be selected with reference to the number of holiday travel days and the consumption power of the travel area. For example, when going to Schengen countries in Europe, it is clearly stipulated that the amount of medical insurance should not be less than 3, euros (about 2, yuan RMB); If there is no mandatory standard in China, if the local price level and consumption power are high, then the insurance amount of overseas holiday travel medical insurance is preferably more than 2 thousand yuan; And if you go to Southeast Asia or Japan and other Southeast Asian countries with moderate spending power, the insurance amount of overseas medical insurance can be around 1 thousand yuan.

Precautions for purchasing insurance for overseas insurance

1. Pay attention to the limits and coverage of purchasing insurance. Because the characteristics of each insurance product are different, the restrictions on the insured are also different. Before buying, special attention should be paid to selecting insurance that meets the selection criteria.

2. Fill in the information of the insured accurately.

3. Pay for the purchase immediately after filling out the insurance policy. Generally speaking, the insurance policy will be considered legally effective after the payment is successful.

4. refer to the electronic policy and remember the policy number.

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