What does travel medical insurance include?

For a long time, the popularity of tourism has only increased. Whether it is foreign travel or domestic travel, it has become people’s first choice for leisure and entertainment. Among them, travel medical insurance is one of the necessary insurances for people before traveling. It can protect people’s medical expenses incurred by accidents during travel.

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The types of general travel medical insurance are:

1. General medical insurance

This is the most extensive type of travel medical insurance, specifically responsible for protecting Outpatient medical expenses and hospitalization medical expenses incurred by the insured due to illness and accidental injuries during travel.

2. Accidental injury medical insurance

Specially covers the medical expenses incurred by the insured due to accidental injuries during travel. As an additional liability of accidental injury insurance, compensation is generally used. Medical insurance premiums must not only stipulate the insurance amount, that is, the payment limit, but also stipulate the treatment period.

3. Hospitalization medical insurance

It is responsible for protecting the insured’s medical expenses when he needs hospitalization due to illness or accidental injury during the trip. It is not responsible for the insured’s outpatient medical expenses. , either the compensation payment method or the fixed payment method can be adopted.

4. Surgery medical insurance

This surgery medical insurance is a single medical insurance and is only responsible for the medical expenses incurred by the insured due to surgery, whether it is outpatient surgery or inpatient surgery. treat.

5. Special disease insurance

Insurance specifically responsible for protecting the insured against sudden special diseases during travel, in order to alleviate the burden of medical expenses caused by the treatment of special diseases.

To summarize the above, the main types of travel medical insurance include: general medical insurance, accidental injury insurance, hospitalization medical insurance, surgical medical insurance, and special disease insurance.