Guidelines for purchasing insurance when studying abroad

The guide for purchasing insurance for studying abroad is as follows:

1. Accident insurance

Accident insurance is generally designed for students studying abroad, covering accidents, medical care, and academic expenses during study abroad. And types of insurance that cover things like emergency rescue. At present, all major domestic insurance companies have accident insurance products for studying abroad and overseas travel. Compared with foreign products, it can cover domestic and foreign accident liability, so it can cover the protection of children when they return to the country for vacation or travel.

In addition, the period when international students go abroad and just arrive in a foreign country is the period when accidents are most likely to happen. If you buy accident insurance at home, it will take effect immediately, and you can go abroad with the protection. . It is recommended that when purchasing insurance, you must choose a policy offered by an insurance company that has a cooperative relationship with overseas rescue agencies, so that the protection function during this period can be truly realized. Only this kind of insurance can smoothly implement the reporting, rescue and claims procedures after international students report a crime overseas, and provide immediate assistance through international rescue organizations, and even help international students arrange medical treatment and bear the expenses, important documents (air tickets, visas, etc.) Reset services after loss, legal assistance, etc.

If international students encounter an accident abroad, they should call the emergency rescue hotline of the local or domestic insurance company in time. Collect and keep more on-site evidence, hospital diagnosis certificates, original receipts of medical expenses, and accident certificates from relevant departments. International students who have purchased domestic insurance should keep relevant receipts and certificates, and seek compensation from domestic insurance companies in a timely manner when returning home.

2. Critical illness insurance

Because the insurance liability of critical illness insurance is that once you suffer from a critical illness, compensation will be paid according to the agreed basic insurance amount, without geographical restrictions. Therefore, it is more appropriate to purchase critical illness insurance in China from the perspective of insurance and claims services.

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