Travel insurance abroad: One Less medical assistance

"11" brought home during the band I travel abroad, many members of the public holidays has become an important part of life, and to travel abroad in order to safeguard, many people want to buy their own copies outside the travel insurance. Accordingly, the experts reminded: You choose from the public, should pay attention to health protection and assistance.

Medical insurance coverage "in light of local conditions"

First, the choice of travel insurance abroad, attention should be paid to different countries and regions of the medical insurance coverage.

If the choice of trips are Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Luxembourg, Norway, the Netherlands, Portugal, Spain and Sweden, the Schengen agreement countries, it must be insured medical insurance includes travel insurance . According to the visa requirements of the Schengen countries, all the short-term visa applicants must submit their visa applications to purchase materials outside the medical insurance, can assume that foreign hospital fees and repatriation costs, medical insurance must not be less than 300,000 yuan (that is, 30,000 euros), insurance for not less than one month.

If the public "11" trips to Thailand, Malaysia, the United States, Africa and other countries, travel medical insurance must not become a visa conditions, however, "always good at home, go out Wanban difficult," As a precaution, it should be addressed to the Their own medical insurance with a guarantee of travel insurance.

Foreign travel insurance coverage should make reference to the number of days travel, travel, such as the level of consumption, not mandatory requirements of the country, the amount need not be as high as 300,000 yuan. For example, to the United States, Singapore, Japan and other countries with higher medical expenses, medical insurance in the amount not less than 200,000 yuan on, left Thailand, Malaysia and other Asian countries, the shorter the trip, medical insurance coverage can be 10 million.

Medical claims nuanced

Second, foreign travel medical insurance claims are now break the "first pay, after adjustments," the traditional model, the insurance companies to consider more for insurance, medical insurance outside the responsibility of a more humane, medical claims and more specific way. For the more serious need of urgent hospitalization, the insurer can make a rescue call, the rescue company will be the first time on insurers to help. Taking into account the insurer on tourism did not take a large amount of cash, the company will carry out medical relief to advance to ensure that insurers in the most timely manner the best treatment. For minor illnesses, such as fever, colds, etc., can solve on its own, as long as the insured to retain receipts and diagnosis that can later claim to the insurance company.

Travel insurance outside the general out-patient clinics provide emergency dental insurance, the scope of claims will be subject to some restrictions, foreign dental clinic because of the high cost of health care, insurance companies generally only responsible for the accident damage to the teeth for disinfection, and other general treatment of Cost, if the insured needs to be cleaned teeth and beauty at the expense of the insured themselves.

Essential emergency assistance

Emergency assistance outside the travel insurance is a very important service. Both overseas tourists lost wallet, or lost passports, or after the Chuxian adults, such as child care, relief can call the hotline, some major international insurance companies also provide specialized services in Chinese. The timely emergency assistance, the key relief agencies in the rescue capabilities, so insurance companies will choose a global service network, a professional medical rescue teams, medical rescue with a solid background, you can guarantee that the insured person on the ground in the most timely treatment Relief agencies. For example, Taibao and the United States and Asia have chosen the U.S. international services companies, China and Italy gifted & Poor's choice, the choice of Dean Mondial Assistance company. The facts show that outbound tourists buy travel insurance, 10 million note that emergency assistance essential services.