How to Pick a Good Overseas Travel Insurance

It's always fun to go out, but the risks are always unpredictable when it comes to going out. Today's article is mainly to say, which travel insurance is worth buying?

The main contents are as follows:

Pick travel accident insurance and focus on these three points! What is worth buying for air accident insurance and delay insurance? Travel, these problems must know!

First, travel accident insurance, how to choose?

Out and about, the risk is higher than usual. There are mainly these:

Accident/illness medical treatment, emergency relief, death/disability, high-risk sports, property damage, travel inconvenience

Pick Point 1: Focus on Medicare Coverage

To buy travel accident insurance, we must first pay attention to the amount of medical insurance, to be sufficient to meet the local medical expenses of tourism.

Basically, domestic travel, accidental medical treatment is basically sufficient at 5 - 100,000, if it is a foreign trip, the amount of medical expenses as far as possible to buy more than 300,000.

In addition, some countries and regions, the amount of medical expenses of travel accident insurance is required, otherwise they will not be able to enter the country, such as:

Schengen countries require no less than 30,000 euros (about 300,000 yuan) and Taiwan is not less than 125,000 yuan.

Pick Point 2: Focus on Emergency Relief

In the event of an emergency and dangerous accident, such as traffic accidents, critical medical conditions, etc., it is very urgent to help emergency relief, can guarantee bungee jumping, diving, skydiving and other high-risk sports, for high-risk sports protection is very good.

There was news in 2017 that a Chinese tourist had been travelling in Bali with meningitis and had taken a 600,000 charter flight home for treatment.

If she buys travel insurance that includes emergency insurance, the high cost of charter flights will not have to be spent on her own, and the insurance company will be able to reimburse it.

Traveling abroad. Emergency services for travel insurance are useful if they are in a critical situation.

Pick Point 3: High-Risk Sports

If you have hot air balloons, diving, rock climbing and other items on the trip, pay special attention. Because of some travel accident insurance, this kind of high-risk sports are not guaranteed.

If you do not know whether you buy travel accident insurance to protect high-risk sports, you can read the insurance terms, you can also directly to the insurance company to consult customer service, to see if it contains the relevant protection.

In addition to the above 3 points, travel insurance also has flight delays, lost luggage, property theft, personal liability and other protection, these protections are not the most important part of travel insurance, according to their actual needs to choose.