Life insurance overseas travel insurance
Travel insurance is purchased at the insurance company. Many domestic insurance companies have launched travel insurance products for travel enthusiasts to choose from. Insurance companies that offer travel insurance products: China People's Insurance, China Life Insurance, Ping An Insurance, Pacific Insurance, Yi 'an Insurance, Changsheng Life Insurance, Lippo Insurance and Meiya Insurance.
Consumers can log in to the official website of the relevant insurance company or go to the business outlets of the relevant insurance company to consult the specific details of travel insurance products. When purchasing travel insurance products, consumers need to be clear about their own needs. If consumers travel in China, they can choose domestic travel insurance; If consumers travel abroad, they can choose overseas travel insurance.
Take China People's Insurance Company as an example. China People's Insurance Company's domestic travel insurance includes domestic go on road trip insurance, domestic travel insurance, plateau travel insurance, domestic business travel insurance, domestic free travel insurance, domestic parent-child travel and other products.
The coverage of each travel insurance product is different. The coverage of plateau travel insurance covers plateau areas (Tibet, Yunnan, Sichuan, Qinghai and Xinjiang) in China, and claims are not paid for travel accidents in non-plateau areas.
Domestic travel insurance protection mainly provides consumers with accidental medical treatment and accidental injury protection, but does not provide protection for patients with congenital diseases and congenital malformations.
Xiaobian concluded that after the above introduction about where to buy travel insurance, I believe everyone will have a new understanding of where to buy travel insurance, and I hope it can help you.
First, the purchase of China Life's overseas travel insurance should be based on different destinations. Different countries have different requirements for visas for foreign tourists. Some countries have clear requirements for insurance types, some countries have clear requirements for the amount of protection, and some countries have clear requirements for insurance companies. Take the EU as an example. Going to EU countries to apply for travel medical insurance is a prerequisite for issuing visa applications. Russia and other countries have similar regulations. In addition, some countries also have certain requirements for the insured amount. For example, Germany stipulates that the insured amount should not be less than 30,000 euros. Moreover, different countries have different requirements for China citizens to enter the country with the original insurance policy, some are stricter, others are relatively loose, and even different countries have different requirements for different ports of entry. Therefore, consumers who have purchased travel insurance should keep a copy in China and carry the original policy with them.
Two, the purchase of China Life's overseas travel insurance should pay attention to "insurance rescue". Combining "insurance" with "rescue" has become an international trend. Going abroad, the risks naturally increase. When tourists face language barriers and accidents in unfamiliar environments, or when legal disputes are caused by unfamiliarity with local laws and regulations, it is easy to have nowhere to turn for help, but if you have travel assistance insurance protection, you will feel much more at ease. Once the insured is out of danger abroad, the rescue company will provide one-stop services, including treatment and rescue, and arranging family members to visit the sick abroad, as long as they get in touch with the rescue agency cooperating with the insurance company. Moreover, when insurance companies provide overseas emergency assistance, especially medical assistance, most of them pay the required expenses through rescue cooperation agencies first, and then "settle accounts" with insurance companies after tourists return.
China's life insurance products are very rich, and which one is better for China's overseas travel insurance needs consumers to choose according to the characteristics of specific insurance products and their own needs. How to buy China Life's overseas travel insurance, but also pay attention to the insurance payment method. China Life's overseas travel insurance products have also broken through the traditional operation mode of "paying first and paying later" for travel accident insurance products, and all emergency rescue expenses within the scope of overseas responsibility will be paid directly by AXA Assistance Company, which is conducive to timely treatment after the accident.
Extended reading: [Insurance] How to buy, which is good, and teach you how to avoid these "pits" of insurance.
