What insurance should I buy for traveling? What insurance should I buy for traveling?

In fact, many people reject insurance and always feel that insurance is of little use. It may be hard to say whether it is of great use in life, but when traveling, Bian Xiao still suggests that you buy insurance, especially when traveling abroad. Let's take a look.

Why buy insurance?

During the summer tourist season, many friends choose to go out to play. Sometimes I wish I could change my position in Singapore, Malaysia, Rome and new york at will and book my trip at will. This is the real international travel. Just thinking about this kind of life will make people envy and hate!

But, Goose, it's not that simple. Recently, the situation of popular tourist destinations has been frequent, the earthquake in Japan has been delayed, heavy rains in western Japan have caused serious casualties, Bali volcano erupted, and Typhoon Maria landed. All kinds of situations have worried the traveling friends.

Heavy rain in western Japan

The death toll reached 195. As of 5: 45 am local time, the death toll in the rainstorm area in West Japan was 195. Heavy rains have caused disasters in Japan. The authorities warned that the disaster area is experiencing high temperature weather, and there may be more thunderstorms, causing serious landslides in mountainous areas. Japanese Prime Minister Shinzo Abe inspected the disaster area and said that he planned to designate the rainstorm as an extremely serious disaster.

Typhoon Maria

Landing on the southeast coast of China, huge waves over 10 meter hit coastal rocks, Wenling City, Zhejiang Province, China. 20 18 Typhoon Maria made landfall in the coastal area from Fujian to Zhejiang on July 1 1. The maximum wind force near the center reaches16 (52m/s). The strong typhoon caused heavy rains in Fujian and Zhejiang, and more than 200 flights across the country were cancelled.

Not to mention, in China this year, the weather in Chengdu is really more unpredictable than the heart of ex-girlfriend/ex-boyfriend. It is difficult to cry when you say it, even if it is accompanied by howling (thunder) and crying (violence).

It is reported that during the night of July 10 to July 1 1, Chengdu Airport was hit by thunderstorm, which caused a large-scale flight delay at Chengdu Airport and cancelled the original flight plan for multiple flights.

And this is just the beginning. Thunderstorms occur from time to time in summer, which will inevitably affect the normal take-off and landing of flights.

Recently, on the low-priced Jun mobile phone, China Eastern Airlines, which has been silent on membership day, frequently tweeted.

Osaka earthquake, Japan

Bali volcano continues to erupt.

Typhoon Maria landed.

What I want to say is that although China Eastern Airlines often doesn't say a word when it publicizes its membership day, it is really valuable to deal with emergencies.

It's good to meet such a conscientious airline. In case of that silent airline, we may have to refund the ticket and bear the cost of returning and changing the ticket. And if you have to cancel your trip, you can't return the hotel you booked, and you may lose more than 1.2. Of course, it's worth it for safety.

Then what else can we do?

At the peak of summer vacation, there are always some unexpected accidents in various preparations. Do you want to abandon the beauty in the distance in this extreme weather after making a good travel strategy? Do you want to abandon the rich grasslands in the north? Do you want to give up the sunny beaches in the south?

Of course not!

As long as we have a suitable overseas travel insurance, we can compensate our economic losses to the greatest extent in the event of such an emergency.

In other words, a travel insurance can make up for all the time or money and health losses caused by extreme weather or other force majeure. Do you really think these tens of dollars are useless?

However, travel insurance does not mean that you can buy it at will. It is related to whether you can get the protection you deserve after losing it! So, you know, you just bought something that ignores overseas travel insurance!

How to choose the right travel insurance

I won't say much about the superfluous. Direct focus:

Select products according to the visa requirements of the country of entry.

If you want to apply for a visa abroad, the visa will be refused for various reasons: if you don't know the purpose of your trip, you won't come back, and if you are too fierce, you will be rejected. ...............

For example, if you want to go to Schengen countries in Europe, you must apply for a travel medical insurance with a compensation amount of at least 300,000. Therefore, when choosing insurance products, we should pay special attention to the responsibility and amount of emergency hospitalization and medical assistance. Of course, you can also directly purchase the Schengen travel protection plan designated by the embassy. Consulates in other countries (especially Germany) will give the validity period of visas according to the date of insurance, so it is best to count one more day before and after entry and exit when buying insurance. If there is a request from the consulate in this particular case, just pay attention when buying.

Buy insurance according to the travel area and activity plan.

The planning area must be within the product guarantee area. Be sure to know the local situation before you travel. Don't go to areas with frequent wars, turmoil and natural disasters, and be cautious in backward areas.

Traveling abroad, everyone thinks that you are very happy to come, so you are more willing to try some fresh and exciting outdoor activities than usual. For example, if you go to Thailand, you can't help but try to leap in the jungle; No one will refuse a hot air balloon when traveling to Turkey. Many people go to expressway to go to go on road trip.

However, fresh stimulus = high risk, obviously prone to accidents. Ordinary travel insurance is not guaranteed. If you go to Southeast Asian countries and have such an activity plan, you must choose travel accident insurance that includes high-risk sports, such as AIA Leyou overseas travel insurance plan, carefully check the exemptions in specific product terms and clarify the scope of protection.

Although general travel insurance products cover diving and mountain climbing, these restrictions are made in the terms:

Diving: The requirement is to dive freely with breathing equipment at the water depth not exceeding 18m.

Mountaineering: Mountaineering is required to be below 6000 meters above sea level, excluding climbing that can be completed by ropes and guides.

In fact, the exclusion liability of insurance companies sometimes reminds us. You see, there is no insurance for this high-risk activity. Do you want to continue?

Don't be careless about medical insurance.

It is estimated that everyone has seen or heard the news that overseas medical treatment is too expensive. Yes, overseas medical expenses are too high for us uninsured "foreigners". Don't worry about the little money you spend on insurance. When you pay for it, you will know its pain. If you can afford it, it's easy to say. If you can't afford it, please make up for it yourself.

So when choosing insurance, it is necessary for us to compare the amount of medical insurance. In principle, the more the better, but specific to the market situation, we still give you a realistic suggestion:

If the destination is developed countries such as Europe and America: at least 300,000 or 500,000 yuan is better, especially to countries with high medical expenses such as Germany, Switzerland, the Netherlands, the United States and Australia.

If the destination is Southeast Asia, Hong Kong, Macao and Taiwan: 50,000-80,000 is more appropriate.

If the destination is Africa or South America: depending on the national conditions, the more the better.

In addition, we should pay special attention to whether medical liability includes disease protection other than accident protection, such as gastritis, diarrhea, fever, cold and so on.

Pictured: the amount of guarantee in Southeast Asia of AIA's "Le Parade" overseas travel guarantee plan.

Secret responsibility: international rescue.

Speaking of international rescue, most of us think of a desperate picture of a stranded island, and we won't care too much if we find it difficult to meet it. In fact, people abroad may just have a sudden high fever or fracture, so we need these rescues:

Transshipment-when an accident occurs abroad, the injured person is sent to other hospitals in the local area or nearby that meet the treatment conditions.

Medical Repatriation If it is medically determined that it is necessary for the insured to return to the country of return, the insured shall be returned.

Pictured: European guarantee amount of AIA Schengen travel guarantee plan.

In any case, timely, efficient and professional rescue level is necessary. Therefore, when buying insurance, we should pay more attention to whether the international rescue brand that insurance companies cooperate or sign is strong.

Before buying insurance, be sure to find out who provides emergency rescue service. Is it the insurance company's own (such as AIA Travel Insurance, Allianz's Anshi United) or outsourced to a third party (such as dentistry and international SOS)? Most importantly, it is best for rescue companies to have local branches, so as to ensure service efficiency and quality. Time is life in an emergency.

Another thing to consider is the amount of protection. Based on historical experience, I want to give you some suggestions:

The destination is Africa: the more the better, there is no upper limit.

The destination is Europe, America and West Asia: at least 500,000.

The destination is Southeast Asia: at least 200,000

Purchase protection according to individual needs

Travel insurance also includes some property or trip compensation, such as trip delay, baggage delay, trip change, property loss, condolences, visits, etc. These are all related to the mood during the journey, and they are all real losses, so we should compare these responsibilities with each other.

However, although travel insurance products basically have these responsibilities, there is no relatively uniform standard for each product. For example, the compensation for navigation delay is 3 hours for product A and 5 hours for product B, but the compensation for product B is 800, and the compensation for product A is only 300. In this case, there is no way to say which is better. You can choose these responsibilities according to your personal preferences and needs.

For example, the overseas travel guarantee plan of Meiya Leyou is divided into three-hour flight delay and five-hour flight delay. The compensation standard is different. The compensation is 300 for every 3 hours delay, and the upper limit is 600. And the 5-hour delay is 300 per 5-hour delay, and the upper limit is 600 yuan.

The above are some suggestions on choosing travel insurance for overseas travel. In fact, in the final analysis, the responsibility of travel insurance is actually a summary of previous travel experiences abroad, and it is also a guarantee for us to better realize the travel experience. Only by choosing the right security can we truly integrate into local life and feel the real international travel when traveling!