In addition to fun, the most important thing is to protect your personal safety. If you want to travel abroad, private or group members are advised to buy insurance for yourself. There are a lot of insurance for out of the box travel. Do you know how to buy out of the box travel insurance?
1. Understand visa requirements of travel countries
Different countries have different requirements for visas for overseas tourists. Some countries have no compulsory insurance provisions, while some countries have clear insurance provisions. Among them, some countries have clear requirements for overseas insurance, some countries have relevant regulations on the amount of guarantee, and even some countries have limits on the insurance companies.
For example, if the destination of overseas tourists is Schengen countries such as France, Germany, Italy, etc., they must purchase overseas tourism insurance products including medical insurance, and the insurance amount shall not be less than 30000 euros. If the destination is Southeast Asia, the United States, Africa and other countries, there is no explicit provision for the purchase of medical insurance, and whether there is insurance has little impact on visas, so you can choose to purchase according to your own needs.
2. Choose the most important insurance according to the demand
At present, there are many overseas travel insurance items in the market, ranging from flight delay and loss of luggage documents to hospitalization insurance and SOS International Rescue. Due to the more security functions and more expensive premiums, insurance experts suggest that tourists do not need to be fully insured when choosing to insure. Generally, they can choose the rights and interests to be insured among the three most important types of insurance, i.e. accident insurance, medical insurance and SOS International Rescue Service.
In terms of specific coverage, the main functions of accident injury insurance and medical insurance are to provide economic compensation after accidental death or disability, and to provide medical and related expenses compensation in case of accidents or sudden emergencies; SOS International Rescue Service is mainly through a 24-hour multilingual rescue hotline, which provides services such as transporting the insured to the hospital, providing medical information arrangement, paying medical expenses in advance in hospital, instructing the nearest embassy, etc., which is quite practical for the first overseas travelers.
It should be noted that different insurance companies cooperate with different global rescue agencies, and the distribution of these agencies in the world is also different. For example, some of them focus on North America, some focus on Europe, so the insured can choose more suitable rescue agencies according to their destinations. In addition, the insured shall keep a record of the global emergency rescue call with him / her after he / she has taken out overseas travel insurance so as to make a call immediately in case of emergency. It's also best to confirm whether there is Chinese service before insurance to avoid misunderstanding in language communication.
3. Coverage reference travel days and local consumption level
In addition to the scope of coverage, the specific coverage of outbound tourism insurance can generally be determined by reference to the number of days of travel and the consumption level of the travel area. For example, to go to Europe Schengen state-owned rigid regulations, medical insurance coverage should not be less than 30000 euros (about 200000 yuan); if to go to countries without mandatory requirements, if the local price and consumption level is high, then the overseas tourism medical insurance coverage should preferably be more than 200000 yuan; If you go to Southeast Asia or South Korea and other middle consumption Asian countries, the amount of overseas medical insurance is about 100000 yuan. In addition, as with all other insurances, the insured should also pay proper attention to the insurance terms of the overseas travel insurance and the relevant detailed rules for claims settlement.