How to apply for insurance outpatient and emergency services when traveling abroad?

Before applying for insurance, you should first read the insurance terms in detail to understand the insurance liabilities borne by the insurance contract and the corresponding claims requirements, etc.

1. How to report

When an accident occurs during travel, tourists should contact the insured travel agency, insurance company or overseas rescue agency as soon as possible and report the accident Tell the truth about the situation. Under normal circumstances, they will provide tourists with accident handling guidance. After purchasing insurance, you should place the policy in a fixed location at home and inform your family members. After purchasing insurance, if insurance customers need to leave the country for work, visiting relatives, etc., they should inform the insurance company of the situation in advance to ensure communication and contact between the insurance company and the customer. Submission of application form, travel insurance application form is a very important piece of information that must be submitted when making a claim. When making a claim, you must check the policy number, personal information, validity period, travel destination and signature on the form one by one.

2. What materials are needed for overseas travel insurance claims

Documents required for outpatient and emergency medical treatment: doctor’s diagnosis and prescription, receipt and list of medical expenses; injury to others or traffic accident , a police certificate is required. Documents required for hospitalization: documents required for outpatient and emergency care, hospitalization summary; other relevant reports proving the condition.

: If you have purchased corresponding overseas travel insurance before traveling abroad, you can apply for corresponding claims compensation from the insurance company through the insurance.

1. Overseas insurance

Generally, overseas travel insurance will include medical compensation (including outpatient and hospitalization) and accidental daily hospitalization allowance (limited to 30 days). In addition, Some overseas travel insurance also covers emergency medical evacuation and repatriation. As far as reimbursement is concerned, there are generally two types of medical expenses: "advance payment" and "post-incident reimbursement". You can carefully check your policy and choose the reimbursement method according to the situation. You can call the insurance company to report the case as soon as possible, explain your personal situation, and at the same time, under the guidance of the insurance company's claims handling staff, collect the information required for claim settlement, and then apply for claim settlement.

2. Overseas claims

Once an accident such as medical treatment occurs during overseas travel (including business trips, tourism, etc.), generally insurance companies will require the following materials to apply for claims: outpatient and emergency services Documents required for medical treatment: doctor's diagnosis and prescription: receipt and list of medical expenses; for injuries to others or traffic accidents, police certificates are required. Documents required for hospitalization: documents required for outpatient and emergency care; hospitalization summary; other relevant reports proving the condition.