How Do I Choose the Best Travel Insurance with Pre-existing Conditions Coverage?

Overseas travel insurance is a joint 24-hour, comprehensive emergency rescue service and accident, medical, and rescue service cost insurance that is jointly launched against the risks of overseas travel, visiting relatives and friends, and business travelers facing accidents and medical treatment abroad.

Overseas travel insurance

Overseas travel insurance is a joint 24-hour, comprehensive emergency rescue service and accident, medical, and rescue service cost insurance that is jointly launched against the risks of overseas travel, visiting relatives and friends, and business travelers facing accidents and medical treatment abroad.

Chinese name

Overseas travel insurance

nickname

Travel insurance or travel accident insurance

Suitable

People who are keen on traveling abroad

Explanation

Insurance, compensation

Coverage

Accidental personal protection, hospitalization, etc.

Attributes

Global Travel Guarantee

Overseas travel insurance, also known as

Overseas protection, tailor-made

Tailored for overseas travel and business people, provide emergency assistance and medical services abroad; there is a special line to support first aid, medical expenses are guaranteed, and a visa to help abroad.

Comprehensive protection, no travel

Comprehensive coverage of accidental personal protection, hospitalization, loss of travel documents, delays in journeys, etc., and comprehensive consideration for travellers.

Helpline, global support

In conjunction with world-renowned rescue agencies, with its global network, modern medical facilities, and many professional service personnel, a free rescue line and a friendly mother tongue service are opened for policyholders 24 hours a day.

There are currently five types of overseas travel accident insurance: one is

Generally need passport, residence booklet, ID card, certificate of departure, visa application form,

The risk of overseas tourism gradually increases with the occurrence of accidents, and the awareness of travel safety of overseas travel enthusiasts increases. When more and more risks exist, in addition to grasping security precautions and emergency response, overseas travel insurance can play a certain The complementary role for tourists to avoid or reduce certain economic risks.

There is a certain difference between overseas travel insurance and general accident insurance or travel insurance. When purchasing suitable overseas travel insurance, you need to pay attention to some particularities that meet the exit.

Need to cover accidents

For example, tourists traveling to Southeast Asia will definitely try various marine activities, which contains high risk factors for fractures, and elderly tourists who ride high-speed yachts in Southeast Asia also have the risk of spinal compression fractures. It is reported that various international travel agencies have such incidents to varying degrees.

Need to cover loss, theft of luggage property and documents

Because domestic credit card usage is still a minority, Chinese tourists have become the first choice for foreign thieves. According to a survey by a well-known travel magazine, 42% of tourists have lost property while traveling.

Covered Illness

The long journeys involved in soil and water dissatisfaction can easily cause tourists to feel unwell.

Covers possible accidents during other travel

Other accidents that may occur include: delayed journeys, shortened journeys, damage to hotels or other venues due to tourists, etc.

"Exclusions" need to be clear

Tourists wishing to pass on insurance when purchasing insurance need to comprehensively evaluate and consider the length of their travel time and the security factors of the country they are going to before deciding on the products to purchase.

When applying for travel insurance, you must carefully read the exemption clause, which is often referred to as "excluded liability", to see which items are not protected, to avoid accidents and no compensation. ^[3]

Common things to note are:

Pay attention to whether personal liability protection is provided

Travel insurance is insurance for the insured to provide financial compensation for losses incurred due to accidents during the trip. According to the difference in the coverage of insurance products, travel insurance on the market can be roughly divided into two categories: one only provides personal accidental injuries Protection, the other type provides both accidental personal injury protection and property loss or personal liability protection.

Note whether high-risk items are included

In order to experience exciting outdoor sports, some citizens will choose high-risk self-guided tours such as diving, bungee jumping, rock climbing, and adventure. For these high-risk activities, some domestic short-term travel insurance provided by insurance companies include these high-risk items that were originally exempt from liability, but there are also insurance companies that have not included them in their liability.

Pay attention to time constraints

The time limit refers to how many days from the date of the accident, the death, disability and medical expenses caused by the insurance company are liable for compensation. Most insurance companies use 180 days as a time limit. For policyholders, the longer the time limit, the better.

Pay attention to geographical restrictions

Accident insurance is not without geographical restrictions. Different geographic restrictions (such as domestic and foreign, overseas, etc.) will directly affect the level of fees. Therefore, when choosing accident insurance, you must pay attention to the choice of region.

Pay attention to medical expenses restrictions

The definition of medical expenses by most insurance companies generally refers to medical expenses within the scope of social insurance. For example, in a more serious accident, more expensive medical expenses may be incurred, that is, some out-of-pocket medical expenses outside the scope of social security.