What insurance should I buy when traveling abroad?
Why do you want to buy insurance during the summer tourist season? Many friends choose to go out to play. Sometimes I really wish I could change my position and book my itinerary in Singapore, Malaysia, Rome and new york at will. This is the real international travel. Just thinking about this kind of life will make people envy and hate!
However, things are not that simple. Recently, the situation of popular tourist destinations has been frequent, the earthquake in Japan has been delayed, heavy rains in western Japan have caused serious casualties, Bali volcano erupted, and Typhoon Maria landed. All kinds of situations have worried the friends who travel.
Heavy rain in western Japan
The death toll reached 195. As of 5: 45 am local time, the death toll in the rainstorm area in West Japan was 195. Heavy rains have caused disasters in Japan. The authorities warned that the disaster area is experiencing hot weather, and there may be more thunderstorms, leading to serious landslides in mountainous areas. Japanese Prime Minister Shinzo Abe inspected the disaster area and said that he planned to designate the rainstorm as an extremely serious disaster.
Typhoon Maria
Landing on the southeast coast of China, huge waves over 10 meter beat the coastal rocks, Wenling City, Zhejiang Province, China. 20 18 typhoon "Maria" landed in the coastal area from Fujian to Zhejiang on July 1 1, and the maximum wind force near the center reached 16 (52m/s). The strong typhoon caused rainstorm disasters in Fujian and Zhejiang, and more than 200 flights across the country were cancelled.
Far from it, the weather in China and Chengdu this year is really more elusive than the heart of an ex-girlfriend/ex-boyfriend. You can forget it if you cry. If you cry endlessly, it will be accompanied by howling (thunder) and screaming (violence), which makes people very uncomfortable.
It is reported that from the night of July 10 to July10/day, Chengdu Airport was hit by thunderstorm weather, which caused a large-scale delay of flights at Chengdu Airport, and many flights cancelled their original flight plans.
But this is really just the beginning. Thunderstorms occur from time to time in summer, which will inevitably affect the normal take-off and landing of flights.
Recently, on the mobile phone of low-priced Jun, China Eastern Airlines, which has been silent on Member Day, frequently pushed the sound. . .
Osaka earthquake, Japan
Bali volcano continues to erupt.
Typhoon Maria landed.
I would like to say that although China Eastern Airlines often encounters promotional activities on Member Day, its handling of emergencies is really commendable.
It's good to meet such a conscientious airline. In the face of such a silent airline, we may have to refund our tickets ourselves and bear the cost of returning and changing them. Moreover, if you have to cancel the itinerary, all the hotels you booked will not be returned, and it is likely that you will lose more than one or two. . . Of course, for the sake of safety, these are all worthwhile.
What else can we do?
At the peak of summer vacation, I have made 10 thousand preparations, and there are always some unexpected accidents. After doing enough travel strategy, will you give up the beauty in the distance, the fertile grassland in the north and the sunny beach in the south in this extreme weather?
Of course not!
As long as we have a suitable overseas travel insurance, we can compensate our economic losses to the greatest extent in this unexpected situation.
In other words, a travel insurance can make up for all the time or money and health losses caused by extreme weather or other irresistible factors. Do you really think these dozens of dollars are useless?
However, travel insurance does not mean that we can buy it casually, but whether we can get the protection we deserve after suffering losses! So you should know that ignoring these things of overseas travel insurance, you are blindly buying!
How to choose the right travel insurance? I won't say superfluous words, but focus directly on:
Select products according to the visa requirements of the country of entry
If you want to apply for a visa to go abroad, your visa will be refused for various reasons: you don't know the purpose of your trip, you will refuse to come back if you are afraid of going, and you will be refused if you are too fierce ... Although these uncontrollable factors can only depend on the mood of the visa officer that day, there are still some requirements that must be met rigidly. If you fail, you will really fail.
For example, if you want to go to Schengen in Europe, you must apply for travel medical insurance, and the compensation amount is at least 300,000. Therefore, when choosing insurance products, we should pay special attention to the responsibility and amount of emergency hospitalization and medical assistance. Of course, you can also directly purchase the Schengen travel protection plan designated by the embassy. In addition, consulates in some countries (especially Germany) will give the validity period of visas according to the date of insurance, so it is best to count one more day before and after entry and exit when buying insurance. The consulate has requirements for this specific situation. Just pay attention when buying insurance.
Purchase protection according to the tourist area and activity plan
The planning area must be within the product protection area. Be sure to know the local situation before you travel. Don't go to areas where wars, turmoil and natural disasters are frequent, and be careful to go to backward areas.
Everyone who travels abroad holds the idea that you are glad to come, so they will be more willing to try some fresh and exciting outdoor activities than usual. For example, if you go to Thailand to play, you can't help but try to leap in the jungle; No one will refuse a hot air balloon when visiting Turkey. When visiting America and Australia, many people drive or take the road.
And fresh stimulus = high risk, obviously prone to accidents, which is not covered by ordinary travel insurance. If you go to Southeast Asian countries and have such an activity plan, you must choose travel accident insurance that includes high-risk sports, such as the overseas travel protection plan of Meiya Leyou, and carefully check the exemptions in the specific product terms to clarify the scope of protection.
Although general travel insurance products cover diving and mountaineering, this restriction is made in the terms:
Diving: The requirement is freestyle diving with breathing equipment at a water depth of no more than 18m.
Mountaineering: the altitude of mountaineering is required to be below 6000 meters, excluding mountaineering that can be completed with ropes and guides.
In fact, the exclusion liability of insurance companies sometimes reminds us. You see, this high-risk activity is not covered by insurance. Do you want to continue? . . ?
Medical security must not be sloppy.
It is estimated that everyone has seen or heard the news that overseas medical treatment is too expensive. Yes, the high medical expenses overseas are unbearable for us uninsured "foreigners".
Don't worry about the little money you bought insurance. You know your meat hurts when you pay. Whether you can afford it is easy to say. If you can't afford it, please make up for it yourself.
So when choosing insurance, it is necessary for us to compare the amount of medical insurance. In principle, the more the better. But when it comes to the market situation, I still give you a realistic suggestion:
If the destination is developed countries such as Europe and America: at least 300,000 or 500,000 is better, especially to countries with high medical expenses such as Germany, Switzerland, the Netherlands, the United States and Australia.
If the destination is Southeast Asia, Hong Kong, Macao and Taiwan: 50,000-80,000 is more appropriate.
If the destination is Africa or South America, the more the better, depending on the national conditions.
In addition, we should pay extra attention to whether medical liability includes disease protection other than accident protection, such as gastritis, diarrhea, fever, cold and so on.
Pictured: AIA's "Leyouyou" overseas travel protection plan guarantees the amount in Southeast Asia.
Secret but Great Responsibility: International Rescue
Speaking of international rescue, most of us think of desperate images of stranded islands, which are hard to meet, so we don't care much. In fact, people abroad may just have a sudden high fever or fall and break bones, so we need these rescues:
Medical transportation-When an accident occurs abroad, the injured person is sent to other hospitals in the local area or nearby that meet the treatment conditions.
Medical repatriation-If the insured is deemed necessary to return to China from a medical point of view, the insured will be repatriated.
Pictured: the European guarantee amount of the Asian-American "World Travel" Schengen travel guarantee plan.
In either case, a timely, efficient and professional rescue level is necessary. Therefore, when buying insurance, we should pay more attention to whether the international rescue brand that insurance companies cooperate or sign is strong.
Before buying insurance, be sure to find out who provides emergency rescue services. It is owned by the insurance company itself (such as AIA Travel).
Guard (Anshi United of Allianz) is still outsourced to a third party (such as oral English and international SOS). The most important thing is that the rescue company should have branches in the local area, so as to ensure the efficiency and quality of service. Time is life in an emergency.
Another point to consider is the amount of protection. Based on historical experience, I want to give you some suggestions:
The destination is Africa: the more the better, there is no upper limit.
The destination is Europe, America and West Asia: at least 500,000.
The destination is Southeast Asia: at least 200,000.
According to personal needs, there are also some property or trip compensation, such as trip delay, baggage delay, trip change, property loss, condolence return, etc. These are all related to the mood during the trip and they are all real losses, so we should also compare these responsibilities with each other.
However, although travel insurance products basically have these responsibilities, there is no relatively uniform standard for each product. For example, in terms of navigation delay, product A pays within 3 hours, product B pays within 5 hours, but product B pays 800 yuan, and product A only pays 300 yuan. In this case, there is no way to say which is better. You can choose these responsibilities according to your personal preference.
For example, the AIA Leyou overseas travel guarantee plan is divided into three-hour flight delay and five-hour flight delay, and the compensation standards are different. The compensation for three hours delay is 300, and the upper limit is 600. And every five hours delay, 300 yuan, the upper limit is 600 yuan.
The above are some suggestions on choosing travel insurance for overseas travel. In fact, in the final analysis, the responsibility of travel insurance is actually a summary of previous travel experiences abroad, and it is also a guarantee for us to better realize the travel experience. Only by choosing the right security can we truly integrate into local life and feel the real international travel when traveling!