Travel insurance? Is that necessary?
Travel, you can see the world...
Travel, there will be many wonderful experiences...
Travel is becoming more and more a part of people's lives...
Of course, travel also has risks (injury, illness, property damage, etc.);can give us the most direct protection is insurance. In the face of a variety of insurance products on the market, should travel insurance be what to buy? What to buy?
What is Travel Insurance?
Travel insurance plans are financial protection tools typically crafted for people who are planning a short trip to a foreign place. The main intent of travel insurance policies is to offer you coverage for -
- Emergency medical treatment
- Treatment for accidents caused during the trip
- Liability insurance
- Last-minute airfare/hotel cancellations
- Misplaced luggage
- Lost personal belongings
- Delayed departures
- Lost or misplaced travel documents, etc.
Why You Need Travel Insurance
Situations Where Travel Insurance Can Help
If you travel frequently, you’ve probably experienced an event where travel insurance would have helped.
Whether it was a severely delayed flight, illness abroad, stolen possessions, or a canceled trip due to an unforeseen event — travel insurance could have made the situation better.
What are the basic guarantees for travel insurance?
- Accidental death:
The protection of death by accident is easy to understand and will not be explained here.
- Accident/acute medical treatment
This insurance is the highest utilization rate of claims, which can reimburse necessary and reasonable actual medical expenses incurred by accidental injury or illness.
The following two points should be noted:
(1) Whether it contains disease: there are some products that only contain accident reimbursement and do not contain disease.
(2) Whether it includes social security external medication: The general contract specifies the reimbursement of necessary and reasonable expenses to include social security external medication.
(3) Whether medical direct payment can be made: general products are reimbursed afterwards, but some products can pay medical expenses directly, and customers do not need to pay in advance and then reimbursed.
3, emergency rescue (such as emergency transport/return) :
Emergency transport: Transport the injured to the nearest local hospital from the accident and with appropriate medical care conditions, in the process of transport, due to the need for illness, the rescue agency will send medical personnel to escort the insured, the cost can also be compensated.
Note: If the rescue agency considers that the medical conditions of the hospital do not meet the conditions of medical assistance, the transport hospital can be replaced.
Emergency return: the rescue agency considers that the insured's injury or condition has stabilized, and the rescue agency will arrange for the insured to return to the original place of departure by a normal flight. If the aid agency deems it necessary, it may provide a medical escort during the transfer of the insured back to the original place of departure.
