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Data:2009-12-12 2:34
Although the same name that contains the world's overseas travel insurance, emergency assistance, but assistance can reach the scope, content, and concrete assistance to the method of calculating rates, the insurers are the differences in Oh. Let's take a look at the market 6 companies have to offer these products is to recount the.
During the Spring Festival brings their mouth to travel abroad, many people have become an important part of holiday life. With the Indian Ocean tsunami events, as well as Beijing and Shanghai in China on the further opening of the European tour, plans Year of the Rooster Chinese New Year to go to Europe or elsewhere surge in the number of people traveling in front of carefully selected out of a suitable foreign travel insurance, will become the people's "must have power."
Outside the emergency assistance insurance as a necessity
"At present, France, Germany and the Netherlands in 12 EU countries applying for Chinese citizens traveling to the region made for a mandatory insurance requirements, a visa must provide the equivalent of 30,000 euros more than the sum insured, containing a global emergency assistance function of accident insurance policies and copies. "AXA Assistance France's chief representative in Shanghai, near Valley, Ms. Yung said.
It is reported that 12 countries including Austria, Denmark, Finland, Italy, Luxembourg, Belgium, Norway, Spain and Sweden. Gu, Ms. Yung also warned that some countries and regions also provide protection for the amount of outside medical assistance needs of 30 million yuan. Therefore, access to global visa is to be successfully adopted, to buy a sufficient amount of overseas travel insurance is essential.
6 products to choose from
It is precisely because "outside the Emergency Rescue" has become a people who need to exit the "must-weapon" is one of the insurance market, China Life Insurance has the "giant" also contain himself to the pursuit of business opportunities in Italy, and France's AXA Assistance Corporation launched containing function of foreign emergency assistance overseas travel insurance.
Thus, in addition to AIA, Allianz Dazhong, peace, PICC Property Insurance, the CMG five early release of such products, companies, the market began to have such protection products available for consumers to choose the first six companies.
To see partnerships with emergency assistance
So, in the end how the six products, select a suitable own products? First of all, of course, depend on their products to meet the needs of the country a visa. In fact, although some embassies will recommend one or two products, but the company's products due to 6, are in line with international assistance, some of the world's best-known companies, as long as the amount sufficient to obtain a visa in the ability to this point, now no longer very different.
However, since the main emphasis is on emergency assistance outside the function, then the consumer can, of course by comparing the six companies to provide emergency rescue partners outside the strength and distribution network to determine which of several specific products more suitable for their own.
Whoever is the key to advance medical expenses
It stands to reason, it is in order to prevent an accident does not occur in foreign countries why they want to buy these overseas travel insurance and emergency assistance with global capabilities. However, if emergency medical assistance in the enjoyment of outside needed before the first advance their own medical expenses, then not only can not act as a "timely help" support functions, but also may be "worse."
It is understood that six insurance companies to provide emergency assistance, especially outside the medical assistance, in addition to insurance companies require customers to our allies in the medical expenses that occur outside of "first pays after the claims", the China Life, Ping An, Allianz, etc. companies have broken the "consumers will be the advance, the insurer claims" approach, but by the insurance companies to pass the rescue Cooperation Agency's cost, when visitors return to re-enter by the insurance companies and consumers "checkout."
Scan range of products to protect different
Though it is not containing the words "global emergency assistance" overseas travel insurance, but under the same name that contains the specific content and the difference. Let us take a look at a comparison together.
To understand the interests of these specific protection, consumers can choose according to different security needs of different companies products. For example, for the advent of peer-to bring minor children, the purchase of Allianz, peace or human security in particular, when China Life's products will be more cost-effective, because they will be presented 1 to 2 minor children of overseas travel or medical insurance for accidental injury .
Note that the flexibility to choose the sum insured
In addition, the economic strength of each person is different, "worth" will vary. And even when the same income, because of the economic responsibilities in the family is different, so choose the right amount of protection is that some of connoisseurship. In the CMG, People's Insurance Insurance companies can only provide nominal protection products, other companies can offer several different grades of products.
However, through specific queries, the reporter learned from each company for "emergency medical assistance abroad," the amount is based on the "offshore death and disability payments," but with the amount of. If the travel or business trips to Europe, because the region outside the embassy for the acute (medical) assistance, the protection of the basic requirement of 30 million per, so most companies in terms of overseas travel insurance, visas, general-purpose optional Aye the amount of narrowing the scope of a sudden, in addition to China Life and Ping An of China, products of other companies only to leave an alternative grade.
