Matters needing attention in purchasing Schengen travel medical insurance

Schengen travel medical insurance is a kind of medical insurance specially designed for people who travel to Schengen countries. Schengen travel medical insurance can alleviate the economic and personal health concerns of overseas travelers. What should outbound tourists pay attention to when purchasing Schengen travel medical insurance? Let's take a look at the relevant introduction.

Basic concepts of visa insurance

Visa insurance, also known as European Schengen visa, is actually a kind of Schengen travel medical insurance. However, in order to meet the special requirements of Schengen countries for Schengen visas, this kind of insurance has strict regulations on the amount, content and duration of protection. The prerequisite for people going abroad to apply for a Schengen visa is that they must have a European Schengen visa, which is convenient for tourists and forces tourists to buy a guarantee for themselves.

How to buy Schengen visa medical insurance

Schengen visa medical insurance for tourists

Before choosing Schengen medical insurance, medical insurance is essential, and the insured amount cannot be less than 300 thousand yuan, otherwise the visa will not pass smoothly. In addition, medical expenses, especially hospitalization expenses, are relatively expensive in most European countries. When choosing Schengen visa medical insurance, the amount of hospitalization insurance should be increased appropriately, and the products with hospitalization allowance are better. In addition, the cost of international emergency medical transportation and repatriation is undoubtedly a huge economic risk for passengers, so when choosing Schengen medical insurance, we must pay attention to the protection of emergency medical transportation and repatriation to avoid economic risks.

Schengen visa medical insurance for business people

Business people get sick unexpectedly when traveling in Europe, which will not only affect the completion of business tasks, but also bring economic risks to themselves. Therefore, when applying for Schengen visa medical insurance, we should not only pay attention to whether it meets the requirements of Schengen visa, but also comprehensively consider our own medical security needs and the level of medical expenses in the destination country. When choosing Schengen visa medical insurance, business people should appropriately increase the amount of medical compensation, give priority to Schengen visa medical insurance products with hospitalization insurance, and then give themselves comprehensive medical care.

Schengen visa medical insurance for international students

International students who study and live alone in a foreign country will inevitably be at risk of various diseases, and the resulting economic losses are not small risks for students who have no financial resources. Therefore, parents should pay special attention to medical insurance when applying for Schengen visa medical insurance for international students. The amount of medical compensation is suggested to be more than 400,000 yuan, which can meet the visa requirements and improve the medical security of children during their study abroad. It is best to insure products with medical compensation guarantee for returning home to visit relatives, so as to avoid the trouble of extra medical insurance for returning home to visit relatives in a short time. In addition, accidental medical expenses are not low, so it is best to choose Schengen visa medical insurance with accidental hospitalization allowance to obtain additional economic compensation. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

Matters needing attention in handling Schengen travel medical insurance:

1. See if the insurance contract meets the requirements of visa application at the same time.

The amount of medical insurance for Schengen tourism is not less than 30,000 euros, generally more than 300,000 RMB.

2 fully understand the specific content of emergency rescue services and the service level of overseas rescue companies providing services.

3. When purchasing Schengen travel medical insurance, we should fully consider the guarantee period and insure according to the required amount and days.

You should know the medical expenses covered by Schengen travel medical insurance. During the insurance period, if the insured suffers an accident or sudden illness while traveling in China or abroad and goes to the hospital for treatment within five days from the date of the accident or sudden illness, the insurer shall pay certain liability compensation to the insured in accordance with the insurance contract. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

5. Schengen travel medical insurance must be purchased as soon as possible to reserve more time for visa applications and other matters.

According to statistics, embassies of various countries do not mandate the designation of insurance companies, but only have certain requirements on the types of insurance and their protection. Outsiders try to buy visa insurance from some well-known insurance companies, which makes it easier to get visas to Schengen countries. In addition, people must purchase a European Schengen visa before submitting a visa application. Because when people submit visa applications, embassies and consulates will ask people to show their insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Overseas travel accident insurance is also essential.

In addition to purchasing Schengen travel medical insurance, overseas travel accident insurance is also essential for traveling abroad. China Merchants Cigna Travel Accident Insurance is very good, and it is a product suitable for consumers to travel abroad. The insurance has two remarkable features: 1, which is suitable for global overseas travel, and the coverage includes travel accidents, sudden STD medical treatment and death; 2. The unique global overseas inpatient and outpatient medical services make you worry-free when you go out. Complete protection, including: accidental death and disability protection, additional travel accident medical insurance, additional hospitalization medical insurance and emergency rescue services.