I believe that many people have such insurance doubts:
Which one is better to buy for outbound workers? Which one is better to buy when visiting relatives abroad? Which one is good to buy for outbound travel? Which one is good to buy for studying abroad? ยทยท
But it doesn't matter, after reading this article, you are blessed if you are ready to leave or have already left the country! Because buying insurance is just needed, and choosing the right insurance is the icing on the cake! When leaving the country, accidental injury protection, medical insurance, property damage protection, etc. are also indispensable!
So which one is the best choice? Don't worry, after reading this article, you will have a number in your heart
By the way, this article is full of dry goods, remember to collect it
Who is eligible for insurance and the corresponding risks
Outbound tourists
There are more and more people traveling abroad, but in fact, many overseas people are not as safe as at home. At the same time, many people will choose to travel by car, island or experience outdoor sports when they go abroad, which are risky and should be configured in time.
Outbound workers
Enterprises that dispatch employees abroad for labor or individuals who are preparing to work abroad will need to live abroad for a long timeThere is a higher risk of accidents. In addition, overseas workers will also face the dilemma of cross-border social security payment, and the application for a medical insurance card will also have to enter the country for a few months, which is very inconvenient for Chinese who want to work abroad with peace of mind.
People who are visiting relatives abroad
Including parents going abroad to visit relatives and children, visiting family members abroad, and so on. Whether it is a short-term visit or a long-term visit, you cannot enjoy free medical careYou will also need to purchase your own medical insurance to ensure your safety while abroad. For older parents and younger children, accidents can easily occur.
Outbound business travelers
Flight delays and loss of luggage are among the biggest headaches for outbound business or business travelers, and they also need to take public transportation frequently during their tripsIf hairAccidents, noOnly delayMissed trips will also cause certain economic losses.
People who study abroad
To study abroad, most schools will require students to purchase medical insurance, some will provide it for students, and some will allow students to purchase it off-campus. The insurance provided by the school can only cover medical expensesIf you need to be covered in various ways such as traveling or participating in outdoor activities while studying abroad, you need to apply for international student insurance.
PS: You can buy international study insurance that meets the requirements of the school in advance before studying abroad, and the protection liability is not only medical expenses, but also accidental death or disability insurance benefits, personal liability, medical repatriation, etc.
What kind of insurance can I insure with?
Here's the point! One insurance can cover all of them, such as travel, family visits, business travel, and study abroad. Of course, there is also insurance that can be customized according to the mode of travel
Protect Travel Exclusive Worldwide Travel Insurance
Suitable for
Outbound Tourism, Family Visits, Business Travel, Migrant Workers (1-3 Occupations) Overseas students, or people who have been insured abroad, or many people who have traveled abroad to build a group;
Coverage age 0-85 years old, applicable to elderly parents or young children;
Leave the country to experience high-risk sports, including mountaineering, skiing, horseback riding, diving, etc.;
Frequent public transportation, outbound road trips, etc.
Coverage
Death and disability due to accident and sudden illness.
Covers death or dismemberment caused by a public transport accident or other accident. In addition, death due to sudden illness is also covered.
Medical treatment for accidents and sudden acute illnesses.
Hospitalization medical expenses, surgery expenses, ambulance expenses, etc. incurred due to hospitalization due to accidental injury or sudden acute illness**.
It also includes what everyone cares about:
Medical evacuation and repatriation, hospitalization allowance;
Delay protection, property damage protection;
Personal liability protection, visa refusal;
Public transport accidents, self-driving travel accident liability, etc.
Precautions and frequently asked questions
Precautions for different groups of people to apply for insurance
Work abroadIn addition to paying attention to the protection responsibilities, it is also necessary to pay attention to the covered occupations and travel restrictions;
Outbound travelLook at the amount of protection, look at the country and region of protection;
Visiting relatives abroadLook at the amount of insurance and the age limit requirements;
Outbound business tripsPay attention to delay protection, property damage protection, etc.;
Required to study abroadFind out if you meet the school's requirements for insurance.
How to choose the protection responsibility and coverage amount?
Choose according to the outbound destination
Countries or regions with low security risks: the amount of protection is at least 30w or more, and accidental injuries and medical insurance must be high! For example, parts of the United States, Africa, and the Middle East.
Countries or regions with expensive medical expenses: The medical expenses for a minor illness and an emergency department are several times that of China, and in order to avoid huge economic losses, the insurance amount should also start at 30w.
Countries or regions that require certain insurance requirements: For example, when the Schengen country explicitly requires a Schengen visa, the medical amount in the insurance must not be less than 30,000 euros, and the emergency rescue function is included.
Combined with the characteristics of the travel crowd
Elderly or children traveling abroad to visit relatives need to choose travel insurance that covers acute illness liability and rescue services. Because once the elderly fall or get sick, they will spend a lot of money, and children often get sick and go to the emergency room, so the insurance amount should be selected as much as possible for high protection.
Participate in high-risk sports
Sports such as diving, surfing, paragliding, skiing, etc., can expand the liability for high-risk sports and ensure that they are covered by insurance. The higher the risk, the higher the amount of coverage!
Other considerations
There are insurance requirements for people abroad
Some travel insurance policies will have certain requirements for overseas insured persons in terms of protection liability, for example, there is a 10-day observation period for sudden acute illness, and some liabilities need to take effect in the early morning of the next day.
Whether the coverage period and the number of round trips match the duration of the trip
Some insurance products can only be insured overseas for up to 182 days and 183 days, if you work abroad for more than half a year, it is best to apply for insurance on an annual basis, or choose an insurance product that can be renewed overseas!
There are certain occupational restrictions on working abroad
Generally, 1-3 types of occupations are covered, such as office workers who do not have much risk, as well as cooks, technicians, IT engineers in the manufacturing and maintenance industry, translators, etc.
What you need to know about the claims process
Danger report:In case of theft or accidental injury, it is necessary to report to the police as soon as possible, and keep the relevant documents, and write down the details of the stolen items and losses. Overseas hospitals** must be regular hospitals with 24-hour doctors on duty.
Submission of materials waiting for the result:At the same time, you must report the accident within 24 hours, submit complete relevant claim materials according to the guidance of the claims adjuster, and wait for the claim result.
Koto has something to say:
With travel insurance, it's safer to leave the country!
Different travel purposes and the protection responsibilities required at the place of departure are different, so you should read the disclaimer and insurance terms carefully when applying for insurance
If you need overseas travel, family visits, work, study abroad, business travel, business trip insurance, or other needs and questions, you can scan the code to understand the consultation