Ping' an overseas travel medical insurance

This is an insurance product specially designed for overseas travelers.

I. Insurance coverage

Ping An overseas travel medical insurance usually covers medical expenses caused by diseases or accidents during overseas travel, including but not limited to hospitalization expenses, surgery expenses, medicine expenses, emergency medical evacuation expenses, etc. At the same time, some high-value insurance products may also protect additional benefits, such as dental expenses, rehabilitation expenses, and accompanying family members.

Two. Insurance purchase and entry into force

When purchasing medical insurance for safe overseas travel, travelers need to provide personal information, travel destination, travel time and other related information. Insurance usually takes effect within a certain period of time after purchase. Travelers should ensure that the purchase is completed before departure and know the specific effective time of insurance.

Third, the claim process.

During overseas travel, if an accident or illness requires medical treatment, travelers should contact Ping An Insurance Company or its designated overseas rescue agency as soon as possible, and provide necessary claims materials as required by the insurance company. Claim materials may include medical certificates, expense lists, diagnosis reports, etc. The insurance company will make claims according to the conditions and limits agreed in the insurance contract.

Fourth, matters needing attention

Travelers should read the insurance contract carefully when purchasing medical insurance for safe overseas travel, and understand the specific terms, coverage, exclusions and other contents of the insurance. At the same time, travelers should also understand the claims process and requirements of insurance companies so that they can get help in time when needed.

To sum up:

Ping An overseas travel medical insurance provides important medical protection for overseas travelers and helps to reduce the economic risks caused by diseases or accidents during travel. When purchasing and using insurance, travelers should read the insurance contract carefully to understand the specific contents and requirements of insurance, so as to get effective protection when necessary.

Legal basis:

People's Republic of China (PRC) insurance law

Article 2 provides that:

The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract, the insurer shall be liable for the property losses caused by the possible accidents agreed in the contract.

People's Republic of China (PRC) insurance law

Article 13 stipulates:

The applicant requests insurance, the insurer agrees to underwrite, and the insurance contract is established. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time. An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms. An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.