How to buy a reliable overseas travel insurance?

Today we will talk about overseas travel insurance.

When traveling, personal safety, medical protection, property damage, and flight delays must be considered. If you want to choose a reliable product, you really need to master some skills.

1. The protection responsibilities of overseas travel insurance can be roughly divided into six parts.

Accidental injuries, medical insurance, emergency rescue, flight delays, property damage, personal liability.

Among them, the first three must be present. The last three items can be considered based on specific travel plans and travel risks.

For example, security in Southeast Asia is poor. When going to India, Vietnam, the Philippines, Thailand and other countries, it is easy for robberies and personal belongings to be lost and bank cards to be stolen.

In the United States, Japan, Europe, Canada and other places, medical expenses are extremely expensive. If someone is acclimatized, an intravenous drip will cost tens of thousands, and the medical credit will need to be higher.

We must also pay attention to the scope of medical insurance. Regardless of accidents or treatment caused by illness, whether the treatment is outpatient or inpatient, a good product is considered a good product if it can be reimbursed.

If you go to Schengen countries, such as Iceland, Denmark, Austria, and Portugal, you are also required to have a travel insurance coverage of no less than 30,000 euros and provide overseas rescue services, otherwise you will not be able to get a tourist visa at all.

If you plan to experience some exciting projects, such as surfing, paragliding, bungee jumping, and mountain climbing, you must also pay attention to the disclaimer.

If the weather is bad on the days when you depart, or your carry-on luggage is relatively expensive, you must also have protection against flight delays and baggage delays.

In short, the protection must be comprehensive so that people will not be at a loss when encountering emergencies in a foreign country.

2. A very important aspect of overseas tourism is emergency rescue services.

Although most overseas travel insurance companies provide this service, the level of professionalism is really different.

In May of this year, the parents of netizen @milkpowderreallydelicious suddenly encountered a disaster while traveling in Iran. One of the two elderly people was killed and the other injured.

Before departure, the client bought XX overseas travel insurance for his parents. The terms clearly stipulated that emergency rescue and body transportation services were included.

However, when the elderly needed help the most, the emergency rescue promised by the insurance company did not appear for a long time. In the end, the golden time for treatment was missed, leading to tragedy.

A very important reason is that the emergency rescue services of insurance companies are outsourced.

In fact, many insurance companies outsource their emergency rescue services. After all, establishing professional rescue teams around the world is a very expensive thing.

When an accident occurs, if both parties do not have a good cooperation mechanism, bickering and neglect may occur. And every minute and every second of this delay determines the life or death of the victim.

So when traveling abroad, I usually only consider companies that have direct rescue agencies, such as Allianz, Mayer, and Starr.

These three companies have rescue outlets all over the world and have their own rescue teams with rich experience.

It is a matter of life and death, and it is safer to leave it to professionals.

3. Last time I went to Japan, I bought XX’s “Leyou Global” diamond plan.

I have recommended it several times when readers asked privately.

I received feedback yesterday that a reader encountered a typhoon while traveling, causing the flight to be cancelled. He applied for a claim and the payment was received within 3 days. The payment experience was not bad.

I chose this product mainly because the coverage is particularly comprehensive and the price is relatively cheap.

In terms of accidental injury, in addition to ordinary accident protection, if there is an accident due to public transportation or overseas self-driving, there will be additional compensation.

In terms of medical insurance, treatment caused by accidents or diseases, whether outpatient or hospitalization, can be reimbursed.

In addition to general diseases, emergency dental, infectious diseases, food poisoning, and pre-existing conditions are all covered, and the coverage for emergency medical evacuation and repatriation is also very high.

The focus is on emergency medical evacuation and repatriation, which is particularly expensive.

Generally, ambulances, helicopters, air ambulances, etc. are required, ranging from tens of thousands to hundreds of thousands. If the distance is longer, the price will be more expensive.

In terms of travel accidents, the compensation for flight delay is 300 yuan every 4 hours, and the compensation for baggage delay is 500 yuan every 6 hours.

Kidnapping and illegal detention, itinerary changes due to force majeure (such as weather, illness), bad weather, and loss of documents will all be compensated accordingly.

In terms of finance, your belongings, mobile phones and tablets, your household property during travel, bank card theft and credit card purchases are all protected.

However, the limit is not high, so you should be more careful when you go out.

In other aspects, such as visa rejection, travel delay due to external reasons, losses caused by yourself or your pet to a third party, or even you being arrested and detained abroad, there will be corresponding compensation. .

This guarantee responsibility can be said to be very comprehensive.

Summary: No matter which one you buy, I just want everyone to go out happily and come back safely. Reading thousands of books, traveling thousands of miles, and traveling to the ends of the earth with the people you love, there is no happiness in the world better than this.