What kind of insurance should consumers choose for summer outbound travel?

In view of the hot spots of outbound tourism in summer, Beijing Insurance Regulatory Bureau issued a reminder to remind consumers to choose the appropriate insurance types and coverage according to the actual destination, so as to avoid the situation that the coverage does not match the actual demand of tourism, so that insurance can effectively alleviate consumers' concerns.

Beijing Insurance Regulatory Bureau suggested that there are many types of overseas travel insurance on the market, including accidental injury, medical expenses compensation, voyage delay, property loss and other types of insurance. Consumers should choose suitable insurance products according to their own reality and destination. In addition, accidents in high-risk projects such as diving, bungee jumping and skydiving are often not covered by ordinary accident insurance. If consumers want to participate in such projects, they can consider taking out additional high-risk sports accident insurance. In addition, consumers should also choose the appropriate amount of insurance according to the differences in consumption levels and medical policies in different countries and regions. Such as the United States, Japan, Singapore and other countries, the level of medical expenses is relatively high, so consumers should fully consider the consumption level, relevant policies and their own situation in tourist areas.

Beijing Insurance Regulatory Bureau also reminds consumers to pay attention to the exemption clause. Many medical expense compensation insurances cover the medical expenses caused by accidents and sudden diseases, but the medical expenses caused by previous diseases during consumers' travel are not covered. When purchasing overseas travel insurance, consumers should carefully read the exemption clauses of insurance products to avoid disputes.