How to calculate the insurance premium for overseas travel? Is it getting more and more cost-effective over time?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! Traveling abroad is fun, but it is inevitable that there will be all kinds of unexpected risks in the process of traveling abroad. In order to improve the protection of your overseas travel, it is necessary to insure overseas travel insurance in time. There are many insurance companies offering overseas travel insurance. You might as well compare them.

How is the insurance premium for overseas travel calculated?

The calculation of overseas travel insurance costs needs to be different according to the destination countries, and has little to do with the length of time abroad. Generally speaking, the recommended insurance coverage for traveling to Schengen countries or economically developed countries is not less than 300,000 yuan, that for traveling to moderately developed countries is about 200,000 yuan, and that for traveling to Asian and African countries is 654.38+10,000 yuan. You want to buy overseas travel insurance for half a month. I suggest you make a comprehensive comparison and selection according to your specific plan to go abroad. Please pay attention to the following points before you apply for insurance:

1. The insured amount should be moderate, and the appropriate insured amount should be selected according to the consumption level of foreign countries.

2. The overseas travel insurance you buy needs to cover all your trips. Ensure your whole journey.

3. When purchasing outbound travel insurance, you should pay attention to whether it includes international emergency rescue services. Because the outlets of domestic insurance companies are difficult to spread abroad, outbound travel insurance products usually cooperate with international emergency rescue companies. No matter whether tourists lose their wallets or passports, they can call the rescue hotline, and some big international insurance companies also provide Chinese services.

4. Choose a suitable insurance platform and buy it online. You can compare the products of many insurance companies, and then choose the product that is most suitable for your own protection and travel needs. Insurance is also very simple and convenient. On the homepage, you can register as a member for free. After logging in, you can choose your favorite products, choose the warranty period, and you can buy them immediately. The price is cheap, the whole insurance process is clear and transparent, avoiding the trouble of intermediary agents, the premium is lower and the autonomy is stronger.

To insure suitable overseas travel insurance, you need to choose a suitable insurance platform and recommend it for you. It is the largest insurance e-commerce platform in China. Welcome to compare and choose.