Traditional Culture Encyclopedia - Travel guide - How to buy travel insurance abroad? How many kinds of travel insurance are there?

How to buy travel insurance abroad? How many kinds of travel insurance are there?

When traveling abroad, many friends must have considered whether to buy insurance. Actually, it's all personal wishes. If you are really not sure, Bian Xiao still recommends you to buy it. Next, Bian Xiao will tell you something about Yuan Ying who bought insurance.

Do you want to buy travel insurance when traveling abroad?

Some countries have no mandatory requirements, but because there are many uncontrollable factors in outbound travel, it is recommended that friends who travel abroad buy relevant travel insurance. After all, it can not only provide enough protection for its own safety, but also make up for the unpredictable economic losses during the journey. Travel insurance is generally destination-oriented, which can be divided into Europe, America, Southeast Asia, Hong Kong, Macao and Taiwan, and the whole world.

In many countries and regions, when you need a visa, you must provide relevant insurance certificates. For example, to go to Schengen countries in Europe, the general insurance amount requires that the medical liability and repatriation liability for diseases and accidents should not be less than 300,000.

Countries in turmoil, such as Somalia, Syria and Yemen, are generally not covered by insurance. It is not recommended that you travel to these countries. If you want to go, it is recommended to consult a specific insurance company. Before traveling, I will watch some destination news. Whether it is safe and suitable to travel in the near future, you can pay attention to the China Consular Service Network, release unexpected news at the first time, and make some necessary calls for help.

China Consular Service Network Website:/

What should I buy for travel insurance?

General travel insurance coverage is relatively expensive, ranging from tens to hundreds of yuan. At present, there are many types and clauses of overseas travel insurance in the market. Sister IN mainly buys these three kinds before each trip:

Medical security:

The main function is to cause reasonable and necessary medical expenses and provide compensation for related expenses when encountering accidents or sudden diseases abroad.

Accidental injury:

Its main function is to suffer accidental injury abroad, resulting in death or disability. And will give relevant compensation.

Emergency rescue service:

Provide intimate pre-departure information consultation before departure; In the event of an accident during the trip, we provide medical consultation, evaluation and recommendation, admission guarantee, emergency medical transportation, medical return and other rescue services. The main function is to get assistance at the first time when encountering an accident or sudden illness abroad. So you must pay attention to choose insurance products with emergency rescue service. In addition, according to your own needs, you can also choose whether to include the loss, damage, theft and cancellation of air tickets, hotels and other related insurance.

In addition to buying insurance, try not to be "rich" when traveling abroad. It is recommended to carry a small bag on your chest, such as mobile phone wallet and passport. The suitcase in the hotel room should also be locked.

When traveling, you usually carry a paper insurance policy with you, because some insurance products have the function of direct payment. If there is an emergency abroad, the insurance company will pay the medical expenses directly as long as the insurance policy is presented; If the purchased products are reimbursed afterwards, you must keep the relevant documents to facilitate subsequent related claims.

How to buy travel insurance?

Travel insurance purchase channels are generally divided into online and offline channels.

Online shopping is a very convenient and quick way. Both Taobao and Alipay have insurance services, which can be purchased directly or in official website and major insurance companies.

Offline is generally directly connected with the insurance company's brokerage agent, and the agent will configure the appropriate products according to your situation.

Pay attention to these destinations when choosing insurance.

USA, Australia and New Zealand

Medical expenses in the United States, Australia and New Zealand are relatively expensive. It is recommended to buy insurance products with higher medical insurance coverage, and it is recommended to buy insurance products with medical insurance coverage of more than 400,000-500,000.

Schengen state

To apply for a Schengen visa, you need to buy an insurance product with medical compensation of more than 30,000 euros (about 300,000 RMB) to protect your possible medical expenses in Schengen. When choosing insurance, pay attention to the insurance logo of Schengen visa and the corresponding "medical compensation" insurance amount. Enter the destination country, putting the signing country first.

If you travel like this,

touring party

Many people think that

More and more people choose to travel freely, and general travel insurance can meet most of the insurance needs of free travel. If the trip includes high-risk sports, it is necessary to confirm whether it is necessary to purchase additional high-risk accident insurance.

self-driving tours

Ordinary self-driving: not only people need insurance, but also it is best to buy insurance for their own cars. It is recommended to buy insurance with road rescue service. If the self-driving car breaks down during the trip, the insurance company will provide on-site vehicle emergency rescue service, professional vehicle traction service and special rescue service for vehicles in distress.

Rent a car

Car rental travel is becoming more and more popular. I wrote an article about how to travel abroad by car before. General car rental companies will provide car rental insurance, which can provide extra out-of-pocket compensation for car rental insurance, compensation for stolen and robbed rental items in the car, compensation for losses caused by vehicle stalling or forced replacement, and compensation for delayed delivery.

: Precautions

Be sure to buy it before you go out.

You can't buy travel insurance after departure. You must take out insurance before you leave, so that the guarantee can take effect.

Buying by the day is the most economical.

Because overseas travel provides many services, the daily premium will increase accordingly. Therefore, when purchasing outbound travel insurance products, the most economical way is to buy by the day, starting from the boarding time to buy the time of returning home and disembarking. However, if the embassy of the destination country has special requirements for visas, it needs to be handled separately. For example, some European countries will require a few days' extension of the insurance period at the end of the trip, otherwise they will not be able to apply for a visa.

3. The exemption clause should be clear.

Traveling abroad, the special situation of different countries, is often expressed in insurance contracts with special clauses or exemption clauses. For example, countries with frequent wars may be refused insurance; Rock climbing and diving, which are special tourism projects in some countries, are exempt clauses; Some relief agencies need to provide the original insurance policy on site, which needs to be read clearly to prevent temporary delay.

4. Outdoor sports high-risk accident insurance

If skydiving, rock climbing, skiing, diving and other high-risk projects are involved in the travel process, it is recommended to buy special outdoor sports high-risk accident insurance, because these high-risk projects are excluded from the terms of general travel insurance, and if accidents occur in these activities, travel insurance will not pay.

5. Deductible or conceited proportion

Deductible is the loss that the insured bears a certain proportion and amount. If the loss is within the specified amount, the insurance company is not responsible for compensation. Please read the guarantee carefully before insuring. (For example, the insurance policy stipulates that the medical deductible is 200 yuan, that is, in the event of an accident, the medical expenses will be paid by 300 yuan, and the insurance company will pay a maximum of 100 yuan; If the actual cost is less than 200 yuan, the insurance company will not compensate).