Since the beginning of this year, the epidemic has slowed down, and more and more people traveling abroad. However, it is generally recommended to buy insurance before departure for difficult materials. But is it enough to buy a travel brigade? What is inconvenience guaranteed? "Yuanqi.com" organizes the necessary insurance cover for you when you go abroad.

[Case]

A 41-year-old Taiwanese man went to Thailand for a trip a few days ago and was sent to a private hospital 500 meters away. However, the hospital refused to accept it because the man was a foreigner and worried that he would not receive medical fees in the future. The man was later sent to a public hospital 10 kilometers away and was finally declared dead.

{99} [Expert Opinions]

For medical treatment during overseas travel, Hong Ziren, director of the Taiwan Medical Management Association, said that first of all, it is necessary to determine that there is no epidemic or infection in the local area. It is recommended that people go to the travel gate to get medical treatment before going abroad and provide vaccines to prevent local infectious diseases.

There may be sudden accidental injuries and diseases during travel. This cannot be predicted before going abroad. It reminds the public to confirm whether the amount of accidental injuries and overseas sudden illnesses added to the insured travel insurance is sufficient. These two types of injuries are paid in a practical payment method, which can transfer the increased financial risks.

Hong Ziren reminds that when traveling abroad, you should travel as much as possible and avoid orders. When doing medical services, you can communicate through the assistance of your friends or travel companions, ensure payment, and avoid doubts about being unable to pay.

【Must-ready insurance for travel 1-Travel security insurance】

The most basic thing is travel security insurance. Travel Security mainly provides protection for the insured person to suffer accidents (referring to accidents other than those caused by illness) during the validity period of the contract, resulting in physical injury and causing disability or death.

【Note】The Financial Management Association reminds that insurance insurance for under 15 years of insurance (including travel security insurance) is subject to the amount of burial expenses. When the insurance company under 15 years of insurance, the insurance company needs to accumulate the same burial expenses insurance amount due to underwriting, and it is necessary to do it at any time. If you have any need to insure insurance for insurance against damages (including travel security insurance) for under 15 years of age, you should handle it in advance to avoid affecting your insurance rights.

【Must-free insurance for traveling 2-Traveling insurance + additional terms for injury medical expenses】

Traveling insurance is paired with additional terms for injury medical expenses to protect medical expenses risks associated with medical injuries during the travel period.

【Must-free insurance for overseas travel 3-Guiping Insurance + Overseas Medical and Health Insurance Agreement for Emergency Diseases】

Guiping Insurance can also provide additional insurance for overseas medical and health insurance agreements to ensure the cost risks required for hospitalization, door clinics or emergency clinics for emergencies overseas due to emergencies.

【Must protection for travel 4-Travel inconvenience insurance】

Inconvenience insurance is to protect risks related to cancellations, flight delays, trip changes, luggage delays, luggage loss and travel documents loss. The travel change insurance can provide the increased transportation or accommodation costs caused by the insured person's scheduled itinerary changes due to natural disasters at the destination, so that the travel is more secure. For example, if the itinerary is delayed due to typhoons, the travel inconvenience covers payment.

Travel inconvenience is divided into the following two payment methods. As for which one to choose, there is no certain answer, and we can only choose based on the actual situation and the degree of compensation.

. Deposit payment: The advantages are simple and easy to understand, quick payment, and low insurance. The disadvantage is that the amount of compensation may not be fully compensated for the actual loss. Suitable for a relatively fixed itinerary with a travel plan, or joining a free travel insurance company travel group.

. Real payment: The advantage is that the amount of compensation is higher, most of which can completely compensate passenger losses, the insurance costs are higher and the payment management process may be more complicated. Suitable for travel planning, self-service travel and destination countries with higher travel risks.

Finally, we should remind that the relevant regulations of each insurance company are different. Before taking out insurance, we should still understand the relevant guarantee content, scope, exclusion responsibility and payment conditions, etc., and buy according to our own needs in order to ensure the protection of the transfer travel risk.