For overseas travel insurance, what I value most is emergency rescue and medical security. In case of accidents, time is life, and it is right for everyone to complain about safe after-sales service.
In recent years, more and more China people travel abroad, and the incidence of accidents is also increasing. At present, European Schengen countries need to purchase 300,000 overseas medical insurance when applying for outbound travel visas. After this incident, several friends asked me how to buy overseas travel insurance.
Two checkpoints:
1. The amount of medical expenses and medical transportation should match the medical level of the tourist country, and it is best for the insurance company to pay in advance;
2. The relationship between emergency rescue and insurance companies. If the rescue company is directly affiliated with the insurance company, communication will be much faster.
Recommended insurance companies:
Aia Allianz overseas travel insurance
The recommended AIA and Allianz travel insurance are quite reliable. As far as single emergency rescue is concerned, both of them have their own directly affiliated rescue companies.
AIA (AIA's parent company AIG, which sold AIA in the subprime mortgage crisis) is an exclusive international travel rescue company named TravelGuard, which specializes in providing various travel insurance solutions and global assistance services, with a service network all over the world.
Customers with AIA travel insurance can call TravelGuard global service hotline 400-888-3080 or overseas rescue hotline 862 152989068 for help after a travel accident.
Protection provided by travel insurance
Accidental death and disability
Medical compensation expenses
Emergency rescue service
Compensation for property losses
Other Asian countries, such as Southeast Asia, have low consumption, so the quota can be smaller.
Overseas travel insurance is a 24-hour comprehensive emergency rescue service, which covers accidents, medical care and rescue services such as overseas travel, visiting relatives and friends, and business trips.
Tailor-made for overseas travelers and business people, covering unexpected personal protection, hospitalization, sudden acute diseases and many other protection contents.
In addition, most overseas travel insurance companies cooperate with emergency rescue services, and provide customers with medical first aid and overseas emergency rescue medical services 24 hours a day by virtue of their global network and modern medical facilities.
When traveling abroad, the travel society advises consumers to buy comprehensive insurance, but the risk protection provided by travel agencies is not much. Passengers have almost no insurance protection except team insurance.
"When choosing overseas travel insurance, consumers should give priority to product quality and service, not price." Pan Jiacheng, head of Ping An Property & Casualty related products, said that insurance companies can provide consumers with customized insurance service plans according to their risk status, travel days and travel destinations. Consumers can fully grasp whether their risk points are covered, whether the medical outlets covered by rescue are wide enough, and whether they can get Chinese services.
When purchasing overseas travel insurance, consumers are often prompted to choose insurance products with emergency rescue services as much as possible. "Overseas travel is still recommended to buy products from foreign insurance companies. Claims service awareness and global resource network are unmatched by China insurance companies. " Some consumers think that overseas travel insurance is "reliable" for foreign insurance companies.