Be sure to buy this kind of insurance before traveling! Let you travel with peace of mind and no worries

Nowadays, people’s lives have become richer. In addition to food, clothing, housing and transportation, everyone also likes to travel and experience the great rivers and mountains of the motherland!

With the increase in travel, risk events are also increasing. When we travel, we are not familiar with the place we go, and the food and accommodation may be unfamiliar to us, so the probability of risks is higher.

Today we will tell you through a case what kind of insurance we should buy when traveling to protect our travels.

Case details:

Ms. W, who has worked diligently all her life, finally waited until she could retire and enjoy her old age. However, a hospitalization for a minor illness not only interrupted the planned trip, but also Nearly wiped out a lifetime of savings.

Ms. W has a strong awareness of insurance. Many years ago, Ms. W purchased the "Kangai Wuyou Type A Malignant Tumor Disease Insurance" from an insurance company with an insurance coverage of 300,000 yuan, and also added hospitalization medical insurance.

2021 is the year of Ms. W’s retirement. When she was preparing to launch her retirement travel plan, Ms. W had some physical problems. During an ordinary physical examination, the doctor discovered that Ms. W’s lung CT showed ground-glass nodules. After further examination, Ms. W was diagnosed with a malignant lung tumor. When she learned the sad news, Ms. W burst into tears immediately. Her travel plans were postponed, and she didn't even know whether her life savings could afford the treatment.

With the encouragement and comfort of her family, Ms. W actively underwent surgical treatment and was successfully discharged from the hospital after completing the first stage of treatment. After being discharged from the hospital, Ms. W reported the case to the insurance company. After understanding the situation, the company's claims staff quickly assisted her in collecting claim materials and starting the claim process.

In the end, the insurance company settled a malignant tumor insurance claim of 300,000 yuan to Ms. W. After Ms. W’s medical expenses for hospitalization were reimbursed by social security, the remaining part was compensated by the purchased medical insurance. After seeing the payment notification from her bank card, Ms. W was very grateful and confident about her future treatment and believed that her travel plan could still be realized.

Case analysis:

Ms. W in the above case was lucky. She discovered her physical abnormalities before starting the trip, and purchased insurance many years ago, so she was able to have a good trip. of compensation.

In this case, what should we do if Ms. W becomes ill while traveling? Can insurance still pay?

The insurance purchased by Ms. W is critical illness insurance. The compensation condition for critical illness is that as long as she suffers from the critical illness specified in the contract, compensation can be paid. Therefore, regardless of whether Ms. W is traveling before or during the trip, If a serious illness is discovered, claims can be made normally without any impact.

Some friends may not have bought insurance before, and they plan to travel. What kind of insurance can they buy?

There is a special kind of insurance called "travel insurance"!

Travel insurance is essentially an accident insurance with a shorter protection period.

Travel insurance may seem like something you can buy with your eyes closed, but in fact there are many ways to do it. The following are nine key points for purchasing travel insurance that everyone must pay attention to before purchasing:

1. Don’t write the wrong date when the policy is effective; and you should buy it before departure for the trip. You can't buy it again after going there.

2. Check clearly the covered destinations of travel insurance. In addition to war-torn and unstable places, insurance companies now also offer insurance for specific purposes. Don’t buy the wrong one.

3. In the event of an accident during the coverage period, compensation will be provided for medical treatment within 90 days, and death or disability within 180 days.

4. Whether high-risk sports are included. Some travel insurance policies do not cover high-risk sports.

5. Whether emergency rescue services are included. In the event of an accident or sudden illness, can the person be sent to a local hospital or sent back to the country?

6. Whether pre-existing conditions are included, and whether outpatient visits and hospitalizations are included. There is no medical insurance for medical treatment during overseas travel, and slightly more complicated problems can range from tens of thousands to hundreds of thousands. This is also the time to reflect the value of insurance!

7. Whether personal liability compensation is included. For example, if you plan to drive overseas, but there is a risk of causing injury to others, check whether this item is included. If not, it is best to add another item.

8. The accidental disability insurance amount should be the same as the death insurance amount. The incidence of accidental disability is generally higher than the mortality rate. Once disabled, there will be large medical and rehabilitation expenses, and work will also be affected.

9. Look at the exemption clause. If you are impatient, focus on the main clause and the exemption part for medical and rescue transportation. It is usually highlighted in red in the contract.

After understanding the above 9 key points for purchasing travel insurance, you can choose the appropriate accident insurance according to your destination!

Domestic travel:

If it is leisure travel: we recommend Pacific "Minle Short-term Tour" and Allianz "Antu China". Among them, "Antu China" has more comprehensive protection, not only There are services such as acute medical care and vehicle rescue, which are also slightly more expensive.

If you are traveling to plateau areas, such as Tibet, Daocheng, Shangri-La and other areas, you can choose Ping An’s “Plateau Travel Insurance” and Zhongan’s “Traveler Travel Insurance”, which have special protection against altitude sickness, and Ping An can also advance hospitalization payments. cost.

If you participate in high-risk activities: Zhongan’s “Travel Insurance” can cover popular activities such as diving, skiing, paragliding, etc., which is basically enough for most people.

If you are traveling to Hong Kong, Macao and Taiwan: Taiping’s “Domestic and Asia Travel” and Pacific’s “Taiwan Travel Insurance” are both good, just make sure you get the right one.

Overseas travel:

If you are looking for comprehensive protection: Starr's "Global Overseas Travel Insurance" and Zhongan's "Schengen Travel Insurance" both have medical insurance coverage of more than 500,000, and emergency rescue More than 5 million makes people feel safe. In addition, after confirming with customer service, ZhongAn’s product can be guaranteed by all countries in the world, not just Schengen countries;

If you think it is enough, just use: Allianz "Overseas Long-distance Travel Plan", Ping An " "Antu Asia" is good, with medical coverage of more than 100,000 yuan, which is enough to go to Southeast Asia;

If you value emergency rescue: Starr, Meiya, and Allianz all have their own rescue agencies, eliminating the need for the third Through the steps of tripartite cooperation authorization, follow-up services will be more convenient and faster;

If you participate in high-risk activities: ZhongAn's "Schengen Travel Insurance" covers the most high-risk activities, such as hot air ballooning, rock climbing, skiing, mountaineering, etc. All activities are guaranteed.

Be sure to buy yourself travel insurance when traveling, so that you can play with peace of mind and no worries!