How much will the overseas travel insurance cost from China to Thailand?

According to the visa requirements of the countries signing the Schengen Agreement, all short-term visa applicants must purchase overseas medical insurance when submitting visa application materials, proving that they can bear the cost of hospitalization abroad and repatriation, and the amount of medical insurance The amount shall not be less than 30,000 euros, and the period of outbound travel insurance shall not be less than one month.

That is to say, if you choose to travel to countries that are part of the Schengen Agreement such as Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, the Netherlands, Portugal, Spain and Sweden, you must purchase insurance that includes Medical insurance travel insurance. If consumers are traveling to Thailand, Malaysia, the United States, Africa and other countries, travel medical insurance is not a required condition for a visa, but just in case, you should still buy yourself a travel insurance with medical protection.

The insured amount of outbound travel insurance should refer to the number of travel days, the consumption level of the travel area, etc. For countries without mandatory requirements, the insured amount does not necessarily have to be as high as 300,000 yuan. For example, when going to countries with high medical expenses such as the United States and Japan, the insured amount of travel medical insurance should not be less than 200,000 yuan; while when going to Asian countries such as Thailand and Malaysia, the trip is short, and the insured amount of medical insurance can be no less than 100,000 yuan. About ten thousand yuan.

For outbound travel accident insurance, pay attention to emergency rescue services

Each insurance company has different limits for overseas travel accidental injury or medical insurance. Consumers should understand and compare in detail before purchasing insurance. According to the relevant terms of each insurance company, you can purchase outbound travel accident insurance or medical insurance that suits you based on your own economic conditions and actual needs.

The premium for outbound travel insurance with a protection period of 1 to 7 days is between 200 and 300 yuan, while the premium for travel insurance with a protection period of more than 90 days is several thousand yuan. When purchasing outbound travel insurance, pay attention to whether international emergency rescue services are included. Since it is difficult for domestic insurance companies to expand their outlets abroad, outbound travel insurance products usually cooperate with international emergency rescue companies. Whether a tourist has lost his wallet or lost his passport, he can call the rescue hotline. Some major international insurance companies also provide Chinese services.

At the same time, considering that tourists do not bring a large amount of cash when traveling, the rescue company will make medical advances to ensure that the insured receives timely treatment. For minor illnesses, such as fevers and colds, which can be solved by oneself, the insured can go to the insurance company to settle the claim afterwards as long as they keep the receipt and diagnosis certificate.

In short, the specific conditions of each country are different, and tourists’ needs for purchasing outbound travel insurance are also different. It is recommended to consult professionals when purchasing travel insurance and choose a suitable travel insurance as a safety protection. At the same time, when purchasing overseas travel insurance, you must pay attention to whether international emergency rescue services are included, and choose a reliable international emergency rescue company to avoid being properly accommodated when an accident occurs.

1. Understand the relevant regulations of the destination country

Different countries have different requirements for visas for foreign tourists. Some countries have clear requirements for insurance, and some countries have specific requirements for insurance. There are clear requirements for the limit, and some countries have clear requirements for insurance companies. Taking the EU as an example, starting from June 2004, purchasing overseas travel insurance has become a prerequisite for issuing Schengen visas when traveling to EU countries. Russia, Belarus and other countries also have similar regulations. In addition, some countries also have certain requirements for the amount of insurance. For example, Germany stipulates that the minimum amount of insurance must not be less than 30,000 euros. Not only that, Schengen countries have different requirements for Chinese citizens to bring original insurance documents to enter the country. Some requirements are stricter, while others are relatively loose. Even the requirements at different ports of entry in individual countries are different. Since the implementation of these measures, many groups have been refused entry to Schengen countries after obtaining visas because they did not bring the original insurance policy they purchased. Therefore, consumers who have purchased travel insurance are best to keep it at home. Keep a copy of the original policy with you.

2. Choose the right insurance company

When buying overseas travel insurance, it is very important to choose the right insurance company. In the current market situation, due to fierce market competition, the insurance companies’ The product differences are small, so for consumers, the first consideration should be the strength, organization and brand advantages of the insurance company. Generally speaking, insurance companies with strong strength, good reputation and good partners abroad should be the first choice. .

3. Tailor-made products

The price of overseas travel insurance is mainly determined based on three major factors: the number of days abroad, the amount of coverage, and the consumption standards of the country of travel destination. Therefore, the purchase price As long as the insurance type can meet their own risk protection needs, higher is not always better. Consumers should tailor their insurance according to their own financial strength.

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