What is the difference between domestic travel insurance and overseas travel insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello, the main difference between domestic travel insurance and overseas travel insurance is that underwriting has geographical restrictions. There are usually no compulsory insurance clauses for domestic tourism, but there are three situations in the relevant clauses for overseas tourism.

European countries require China citizens to purchase 30,000 euros (about 300,000 yuan) of medical accident insurance before applying for tourist visas. In the specific implementation process, Germany, Sweden and other countries strictly require medical insurance coverage to exceed 300,000 yuan, and the premium for 10 day is generally several hundred yuan; Austria and other countries generally only require insurance coverage of more than 300,000 yuan; Most countries outside Europe, such as Egypt, Thailand and Malaysia, do not force purchases.

Compared with domestic travel, the protection of overseas travel is more comprehensive. It is also worth noting that different companies are not consistent about whether "conventional terrorist attacks" are included in the scope of claims.

Suitable for domestic tourism: domestic travel insurance

Suitable for outdoor sports or expansion: outdoor sports insurance

Business suitable for traveling abroad to visit relatives: overseas travel insurance

Suitable for Schengen (Europe) visa: European Schengen visa.

For more information about travel insurance products, please visit >> Travel Insurance.