Tourist visa to the United States, if you get sick, is there medical insurance in the hospital?

1. Understand the visa requirements of the countries of travel

Different countries have different requirements for visas for overseas tourists. Some countries have no compulsory insurance regulations, while others have clear insurance regulations. Among them, some countries have clear requirements for overseas insurance, some countries have relevant regulations on the amount of protection, and even some countries have limited scope for insurance companies.

For example, if the destination of overseas tourists is Schengen countries such as France, Germany and Italy, they must purchase overseas travel insurance products including medical insurance, and the insured amount shall not be less than 3, euros. If the destination is Southeast Asia, the United States, Africa and other countries, there is no explicit provision for the purchase of medical insurance, and whether there is insurance has little impact on the visa, so you can choose to buy according to your own needs.

2. Choose the most important types of insurance according to your needs

At present, there are many kinds of overseas travel insurance in the market, ranging from flight delay to loss of luggage documents; As big as hospitalization insurance, SOS international rescue. Because the more protection functions, the more expensive the premium. Insurance experts suggest that travelers do not have to take out all the insurance when choosing insurance. Generally, they can choose the rights protection they need to take out among the three most important types of insurance: accident insurance, medical insurance and SOS international rescue service.

In terms of specific coverage, the main functions of accident injury insurance and medical insurance are to provide economic compensation after accidental death or disability, and to provide medical treatment and related expenses when encountering unexpected or sudden illness; SOS international rescue service mainly provides services such as transporting the insured to the hospital, arranging medical information, paying medical expenses in hospital and instructing the nearest embassy through a 24-hour multilingual rescue hotline, which is quite practical for travelers who have just arrived overseas.

It should be reminded that since different insurance companies cooperate with different global rescue agencies, and their distribution in the world is also different, for example, some focus on North America and some focus on Europe, so the insured may need to choose a more suitable rescue agency according to the destination. In addition, after taking out overseas travel insurance, the insured should keep a record of the global emergency call with him in case of emergency. It is also best to confirm whether there is Chinese service before insurance to avoid misunderstanding in language communication.

3. The insured amount refers to the number of travel days and local consumption level

In addition to the scope of coverage, the specific insured amount of outbound travel insurance can generally be determined by referring to the number of travel days and the consumption level of the travel area. For example, there are hard and fast rules for going to Schengen in Europe, and the amount of medical insurance coverage should not be less than 3, euros (about 2, yuan); If you go to a country where there is no mandatory requirement, if the local price and consumption level are high, then the insurance coverage of overseas travel medical insurance is preferably above 2, yuan; And if you go to Southeast Asia or South Korea and other Asian countries with moderate consumption level, the coverage of overseas medical insurance can be around 1, yuan. In addition, like all other insurances, the insured should also pay appropriate attention to the insurance clauses of the overseas travel insurance and the relevant insurance claims.

Tips for overseas travel insurance:

1. Insure as early as possible one week before departure

There are many ways to buy travel insurance now. In addition to contacting the insurance company directly, you can also buy it on the insurance company website or travel website. In order to ensure sufficient comparison and selection time, it is generally recommended that travelers can start preparing related insurance matters one week before departure.

2. Match the insurance period with the travel time

When traveling abroad, you should pay attention to the time difference, and be more clear when you apply for insurance, because it is related to whether your protection can cover the whole journey comprehensively. Considering the delay and other unexpected circumstances, it is best to take the day before the departure time of the departure place as the starting point of the effective time of the policy, and two days after the final return to China as the end point of the policy. If there is a temporary change, we should also pay attention to adjusting the coverage period of the selected insurance.

3. Take the insurance certificate with you

It is recommended to take the insurance certificate with you when you travel after insurance, and write down the emergency hotline of the insurance company, and you can ask for help immediately in case of any situation. In addition, no matter how you apply for overseas travel insurance, you should also inform your family members who stay at home, including the name of the insurance company and the policy number, just in case. In case of sudden accident or illness, you should collect all necessary documents and file a claim with the insurance company after returning to China. At the same time, you should pay attention to all kinds of expenses to avoid unnecessary medical expenses, otherwise the insurance company may not claim compensation.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.