A travel insurance is needed in "11" the golden week going ...

In a job miss Chen ready to ?11? during in domestic do a short trips, but in travel insurance of has made difficult, do not know how to choose.

Reporters in the interview found that most people to travel insurance is not very understanding, thought that bought the travel agency the liability insurance has enough, actually travel agencies offer travel liability insurance is responsible only for travel within the scope of the risk liability, if not according to the arrangement of the tourists travel agency itself from accidental injury or activities on his journey, the sudden illness insurance does not bear the responsibility for compensation, and therefore, to choose for themselves the right travel insurance is necessary.

The international insurance financial planers said, many consumer is buying travel insurance that is when the forehead, the higher the better, in fact this is an error. Generally speaking, the domestic travel time relatively short, consumers can choose premium cheap, security, DuoZhong provide comprehensive protection plan and many files security term and suitable for family travel short-term insurance. Insurance interests including accident death, burns and residual disease insurance payment, public traffic accident injury insurance, accident medical insurance and accident compensation medical hospital to pay income protection of this a few classes.

If is to choose the outbound tourism, in insurance products and to seriously pick on purchases. Like life insurance experts said it plans to go to Europe more accessible to the visitors need to pay attention to the council, according to regulations, deal with schengen visa countries need to buy not less than 30000 euros, and has the function of overseas aid accident medical treatment insurance. Some because of insurance requirements and by consulate of cases occur frequently. Refused

Abroad travel insurance note:

First to see whether insurance contract at the same time satisfy the requirements of to apply for the visa, which must be global emergency function with the insurance; In overseas medical insurance amount not less than 30000 euros, generally for 300000 yuan RMB. After the purchase, if in overseas suffers accident harm or suffering from acute disease, can call 24 hours free relief hotline global emergency company contact, by its arrangement of emergency rescue, treatment and a series of services.

Second, fully understand the emergency services of the specific content and the service companies service level.

Third, clear what you bought is sure to offer is ?paid in advance? or ?afterwards to submit an expense account?. The so-called ?afterwards to submit an expense account? means once of accident first by the customer to pay medical expenses, after returning home again to insurance company to put forward the claim, request to submit an expense account. So, if the customer unfortunate accident in which outside the hospital expenses, such as need to solve itself capital problem, want to have enough money to pay all the expenses caused by accident. And ?paid in advance? means if customer unfortunate after has the accident, hospital expenses, etc are made by insurance company according to the contract in the insurance amount directly, do not need to undertake in customer in order to raise funds in a foreign country then, very convenient.

Finally, should give full consideration to buy insurance guarantee deadline, according to need coverage and for days. According to reporter understanding, each insurance company for foreign travel accident harm or the amount of medical treatment insurance is not identical, to know the details before in insurance, according to own actual demand, buy the most suitable abroad travel insurance.

Source: http://youandmeinsurance.com/2011/07/a-travel-insurance-is-needed-in-11-the-golden-week-going/

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