By the way, what is the best way to buy travel insurance abroad? Is online shopping reliable?

If we want to jump into the right travel insurance, then we need to find out what risks we may encounter first.

These risks can be transferred by configuring the corresponding travel insurance accident insurance. So how should we choose this kind of insurance?

1. What are the key points of selection? Point 1: Pay attention to medical insurance coverage.

When buying travel accident insurance, we should first pay attention to the amount of medical insurance, which should be enough to meet the local medical expenses. If you are traveling overseas, the amount of medical expenses should be above 300,000 as far as possible. In addition, some countries or regions have requirements on the amount of medical expenses for travel accident insurance, otherwise they will not be able to enter the country, such as:

Schengen countries require not less than 30,000 euros (about 300,000 RMB), and Taiwan Province Province of China requires not less than 1.25 million RMB.

Point 2: Pay attention to emergency rescue.

In the event of an emergency, such as a traffic accident or a medical emergency, emergency rescue can be carried out at the expense of the insurance company. Being a stranger away from home. In case of emergency, there are rescue services, at least not at a loss.

The third point: high-risk sports.

Whether this part needs special attention, Shen Lanjun thinks it varies from person to person, because some friends will not try dangerous projects easily. If dangerous items are not within their own scope, they can be ignored.

But if there are hot air balloon, diving, rock climbing and other projects, we should pay special attention. Because of some travel accident insurance, such high-risk sports are not guaranteed.

If you are not sure, you can look at the insurance terms, or call the customer service of the insurance company to see if it includes relevant protection.

In addition to the above three points, travel insurance also includes flight delay, lost luggage, property theft, personal liability, etc., which are icing on the cake. Just choose according to your own needs.

Second, what products are there for overseas travel? Many friends like to walk abroad during the long vacation and feel different customs and cultures. For the convenience of interested friends, Shen Lanjun has summarized 7 overseas travel insurances with good cost performance for your reference:

Draw a direct conclusion:

If we attach importance to emergency rescue: Times, AXA, Allianz and Meiya are all self-owned or exclusive rescue agencies, and the service will be faster than third-party rescue; And in terms of micro-insurance sales? European travel insurance? 」? Reimbursement according to actual expenses makes people feel more secure.

If we pay attention to cost performance, the overseas travel insurance of Ping An will cost 300,000 yuan for medical reimbursement and 4 million yuan for emergency rescue, and the price is only tens of dollars.

If you pay attention to disease treatment: AXA Tian Ping's two products can also reimburse 20,000-30,000 yuan for medical expenses caused by cardiovascular and cerebrovascular diseases, hypertension and diabetes before insurance, but most products are not guaranteed.

If there are high-risk sports: AXA Tian Ping Travel Insurance has expanded the protection of skydiving, hang gliding and other projects, and friends in need can pay attention to it.

Travel insurance is a very personalized product. There are many products, and it is difficult for Shen Lanjun to cover everything, but these products should meet the needs of most people.

Third, write at the end, in addition to the foreign travel insurance mentioned by Shen Lanjun above, do you need to buy aviation accident insurance? Do you need to buy delay insurance? How to choose? If you still have these questions, please click on my avatar and choose Deep Blue Insurance official website. We have the latest travel insurance analysis article, which I believe will make you gain something. (Deep Blue Safety Net Global ID: shenlanbao)