What Is a Foreign Insurer?

Overseas insurance is generally called overseas travel insurance or overseas travel insurance. The current overseas travel insurance coverage no longer covers purely accidental injuries, but also includes medical compensation, travellers' belongings, personal money, delays in travel, loss of travel documents, and delay in luggage.

Overseas insurance

Overseas insurance is commonly referred to as outbound travel insurance or

I. Basic Information of Overseas Travel Rescue Insurance

1. Pay attention to insurance restrictions and coverage. Due to the different characteristics of each insurance product, the restrictions on the insured are also different. Pay attention to selecting insurance that meets the screening conditions before purchasing. Kaixin Insurance lists the specific coverage and insurance amount standards for insurance products for consumers. Consumers need to carefully read more about the relevant content to ensure that they understand the insurance terms clearly before placing an order to obtain more comprehensive protection.

2. Accurately fill in the information of the applicant. In order to ensure the effectiveness of the insurance policy, the policyholder will be required to fill in the policyholder information correctly, especially when purchasing insurance for others, be sure to check whether the name, ID card number, phone, and email address are filled in correctly to ensure the accuracy of the policy information.

3. Make timely payment after completing the insurance policy. Generally, a policy is considered valid only after a successful payment. Therefore, pay in a timely manner, and do not delay the effective date of the policy, which will cause you inconvenience.

4. Check the electronic insurance policy and make a note of the policy number. After the payment is successful, the website will send the policy information to your mailbox. Please check it in time. If you have any questions, please contact the website customer service staff immediately. The policy number is a valid proof of your insurance, so keep it safe.

The Company shall not be liable for the payment of insurance benefits if accidental injury occurs to the insured person due to one or more of the following circumstances:
1. Intentional killing and intentional injury of the insured by the policyholder;
2. The insured person intentionally commits a crime or resists the criminal coercive measures adopted in accordance with the law;
3. The insured person committed suicide within 2 years from the date of the establishment of this contract or the restoration of the contract's validity, except that the insured person was a person with no capacity for civil conduct when he committed suicide;
4. The insured is drunk, fights, intentionally hurts himself, takes, ingests or injects drugs;
5. The insured is driving under the influence of alcohol, driving without a valid and valid driving license, or driving a motor vehicle without a valid driving license;
6. Plastic surgery, drug allergy or medical accident of the insured;
7. The insured person took, smeared, or injected drugs without his / her medical advice;
8. The insured is engaged in high-risk sports, including but not limited to diving, skydiving, rock climbing, adventure, bungee jumping, driving a glider, martial arts competition, wrestling, stunt performance, horse racing, racing, etc.
9. The insured violates the carrier's rules for safe riding;
10. Injury suffered by the insured in the vehicle, ship, or aircraft part specially used for placing items;
11. The insured suffers from disc herniation (including disc bulging, disc herniation, disc herniation, free type discs, etc.);
12. War, military conflict, riot or armed rebellion;
13. Nuclear explosion, nuclear radiation or nuclear pollution.
If the insured passes away due to one or more of the above circumstances, the validity of this contract shall be terminated and the Company shall refund the unexpired net premium of this contract.