Sanxiang***, February 17 (Quan**Reporter Pan Xianxuan) During the Spring Festival, many Chinese tourists choose to travel abroad. However, the safety issues brought about by tourism cannot be ignored, and the recent accidents of Chinese tourists in Bali have made people nervous, and also aroused everyone's attention to insurance. How to buy the right insurance for outbound travel? What are the issues to be aware of? In this regard, the reporter consulted professionals.
The amount of medical insurance should be sufficient
On February 15, the Chinese Consulate General in Denpasar issued an announcement saying that during the Spring Festival holiday, traffic and drowning accidents involving Chinese tourists occurred in Bali and Komodo National Park in Indonesia, reminding Chinese tourists to pay attention to traffic and wading safety, and also emphasized that international medical expenses in Bali are relatively expensive, and reminded tourists to prepare corresponding insurance before traveling, just in case.
A tour guide in Changsha, who has been engaged in outbound travel for several years, told reporters that not only Indonesia, but also the United States, Canada, Japan, Australia, New Zealand and many other countries, the cost of foreign tourists to see a doctor in the local area is very expensive, several times or even 10 times that of China.
Caixin Life professionals said that it is necessary to allocate insurance for outbound travel, and when choosing insurance, medical protection should be particularly important. Travelers should pay attention to the allocation of medical coverage for overseas travel insurance, which can meet the medical expenses of the destination, and pay attention to whether the country or region they are traveling to is covered. Whether you can get help or rescue in time after an accident also needs to be considered. Language barriers, unfamiliar with life in a foreign country is a situation that most people need to face, it is important to choose overseas travel insurance with global emergency assistance services, whether it is an accidental injury, physical illness or even loss of luggage during the trip, you can call ** for help.
In addition, for high-risk sports such as hot air ballooning, diving, and rock climbing, ordinary accident insurance is usually not covered and requires special insurance. If citizens travel abroad and have arrangements to experience high-risk sports, they must choose insurance that can cover such sports.
Effective on the next day at the earliest
The reporter found on the Internet that many insurance companies such as Ping An Insurance, Allianz Life, and Meiya Insurance have launched overseas travel insurance products, which are currently sold on major insurance sales platforms in China.
*In terms of coverage, according to the amount of insurance, the duration of protection, and the content of protection, the ** of insurance products ranges from more than ten yuan to thousands of yuan. Some foreign travel insurance liabilities also provide for the traveler's personal belongings, loss of travel evidence, fraudulent bank card fraud, and many other liabilities. Of course, the more liability there is, the longer the coverage period, and the more expensive the premium.
It should be noted that travel insurance usually takes effect on the next day at the earliest, and the insurance policy cannot be effective on the same day, so it is necessary to purchase it in advance before traveling to avoid insufficient insurance coverage.
Caixin Life professionals remind that after applying for insurance, it is necessary to inform the relatives who stay in China in a timely manner, including the insurance company, policy number, **, etc. Policyholders should also remember to take a note of claims reporting and emergency assistance** so that they can quickly contact the insurance company in the event of an emergency.