How to go abroad to buy insurance Experts say insurance outside the group should buy a personal ins

Category: Insurance tips Release Date: 2006-08-01

As more and more international exchanges, the Chinese people to leave the country will face many risks, unexpected things happen from time to time been reported. Earlier this year, France's Charles de Gaulle airport terminal collapsed, one of the Chinese victims, Ryu, who had accidental injuries in the domestic insurance additional insurance, which received 26 million in damages.

In this regard, the insurance industry have suggested that the former may wish to nationals of outbound tours have taken out insurance on the basis of re-purchased privately by an international travel accident insurance and carry property insurance.

In fact, from June 1 this year onwards, the visa agencies have made a new requirement that all applications have to be recipients of short-term visas to participate in travel insurance, and the insurance must cover the stay apply for a visa may occur in the medical costs and the necessary conditions for return under the charges, each of the minimum insured amount to be 30,000 euros (equivalent to 300,000 yuan), and accountable in line with the provisions of the original insurance contracts to obtain a visa.

In March this year, the newly established Sino-US MetLife has yet to launch a separate exit for the exit clients short-term accident insurance, but said the company's current casualty insurance claims are covered, inside and outside of the situation. Sino-US MetLife vice president Zhuo Shi Hao said: "The accident may occur everywhere, and we provide short-term and long-term accident insurance, the insurance period, both in the settlement of claims Chuxian inside and outside are the same. "

Mr. Cho also said that, there is no data to indicate that the ratio Chuxian inside and outside there are different, but it does have customers worried about going to a strange environment the risk of accidents is higher, these are mostly a psychological need.

Sino-US MetLife new contract manager Fang Tong, said: "At present, out of accident insurance outside of the small, mostly Chuxian traffic. The evidence of such incidents is relatively simple, so claims the differences appear relatively small. Our accident hospitalization insurance is based on policyholders to cover a number of days of hospitalization, so it will not because for injuries arising from differences in the controversy. "

Beijing Branch of China Life Insurance Group Insurance sales vice president He Yongping said that domestic provision of the insurers are basically leaving accident insurance, contents are similar, but divided into two categories, general accident insurance and accident insurance with an emergency rescue. The difference between these two kinds of insurance is very large, first and foremost responsibility is very different, ordinary accident insurance is a post on disability and death compensation, the cost does not provide relief, while the accident and emergency at the time of the accident do not need any self-insured funds, do not need to pay any fees to arrange the whole by the relief and rescue, costs and insurance companies they are re-settlement; Secondly, the amount of ordinary accident insurance is relatively low, but also in the total amount of itemized degrees inside and limit, and sometimes result in some projects the project will cost very little but others were not sufficient, so not as good as the level of protection regardless of items and the high limit accident insurance.

He Yongping that in case of an accident abroad, most in need of rescue procedure is to be arranged, because in an environment not familiar with the language barrier, the most need is to have one familiar with local conditions and have experience in emergency relief agencies to help after the accident, whether the time relief is often the way in a timely and effective impact on the parties to the accident injuries.

Now In general, visitors to leave the country will get a "Notice to travel abroad", which related to safety considerations are physical security, document security and property of several categories. Interests to the public interest and safety of the implementation of liability insurance has been mandatory for travel agents, but the buying and do not buy personal accident insurance, but by the travelers voluntarily. This involves a problem that once the visitors an accident has nothing to do with the travel agency, "liability insurance" here does not work. This time, the only recovery of the avenues for tourists only "personal accident insurance."

General tours of insurance purchased before the exit there are two: First, according to the requirements of government departments, travel agents, travel agents are required to purchase liability insurance; two travel agents on behalf of the common visitor to buy accident insurance. However, many cases of tourists, unfortunately, not in these two within the scope of insurance coverage, access to the possibility of compensation is quite small. If you wanted to eat outbound "psychological boost" the tourists themselves should no longer be possible to buy a security accident, suffering from illness, lost baggage insurance, the best of them also include emergency medical evacuation, tourists responsibility for causing bodily injury or property damage Emergency assistance and other information processing consulting services.

In Hong Kong, travel agents are generally raised to visitors at their own expense to purchase travel insurance in writing of such proposals, so that visitors aware of their scope of protection available.