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Data:2009-12-12 2:34
In 2005, the number of Chinese citizens abroad the first time 30 million passenger trips on public and private business exit exit rates were 19% and 81%. With overseas business, tourism and the increasingly hot Correspondingly, once again does not control the accidents occur frequently. How to avoid the risk of these sudden and unexpected is that all exit from the country must face.
In the past during the Spring Festival, China's Hong Kong Special Administrative Region of the tour in a serious car accident in southern Egypt,
14 people were killed and 30 others injured. Just two weeks later, that is, February 15, 2006, China in Pakistan's Baluchistan province, engineering and technical personnel being shot at, but also caused three people killed.
Not only of these recent traffic accidents. All along, outbound, tolerance abroad, overseas workers, overseas study trips abroad and four groups of students among staff, which took a further one safety-related incidents, to name a reminder that we must pay attention to safety outside. Well in advance for insurance arrangement is one of the best means of risk prevention.
Outbound tourism by: travel insurance when the Amulet
Personal travel abroad are most afraid of an accident, prior to a foreign travel insurance products bought, they can feel at ease again Playing happy, not afraid of an accident, no one out "rescue."
Present AIA, Allianz Dazhong, peace, human security, the CMG, the National longevity, such as the United States and Asia has seven overseas travel insurance product sales of the company, are some of the most famous and international companies in global aid. Out the door after the implementation of relief you really SOS is the other large international relief organizations.
These international aid agencies will provide users with unconventional, targeted ambulance service. In an emergency situation occurs, they can hire military aircraft transported the patient is rushed away from the accident occurred, will be sent to the medical care of patients treated over the world, while all over the world with alarm centers, medical services jointly, to the user provided, including medical, documents lost, accidents and other emergencies worldwide, including the safety and rescue channel.
In addition to personal accident or having a natural disaster occurring in need of emergency rescue and medical assistance, insurance companies and their cooperation in international relief agencies can also help reset the passport and travel documents, as well as arrange for the necessary accommodation. Allianz Dazhong, PICC Property Insurance, and the United States and Asia insurance, travel insurance outside the three companies can protect the documents lost and carry property damage.
[Case 1] Miss Wu, 32-year-old, at their own expense embarked on a journey to France and the United States and Asia for their coverage of a "10000 country tours," International Travel Protection Scheme (Platinum Plan), a total of 355 yuan to pay insurance premiums.
Did not expect to Paris the next day, Miss Wu found with a digital camera (valued at 4000 yuan), wallet (valued at RMB500) and the purse stolen packets of 500 euros. Miss Wu reported immediately to the local police after returning home, call the claims hotline, insurance companies, according to police reports and provide her with other relevant documents (including invoices, etc.) in the 'portable property' under the protection of the interests in compensation for RMB3000, in the "personal money, "compensation under the protection of the interests of RMB 2000, slightly up a number of property damage.
Tolerance to go abroad by: Most want to protect belongings
With the rapid pace of globalization, as well as multinational companies have settled in Shanghai, due to tolerances and people abroad is also increasing. For these people, and individuals who travel abroad is slightly different, they are more concerned about whether the boss on schedule to complete the task given to the business. Thus, in addition to personal accidents and sudden illness, they are most afraid of the things the contrary, documents, mobile computers and other luggage is lost.
In response to such needs, the business elite overseas trips should be targeted to choose to protect their belongings loss and flight delays etc. outbound travel insurance. At present, the People's Insurance General Insurance, AIG, Allianz Dazhong provided by outside companies such as travel insurance can provide protection in this regard.
[Case 2] Mr. Qi, a company employee, was sent to London to participate in business negotiations. Do not want to have to London, but the baggage they could not come. Mr. Qi airline complaints, was told that his luggage had been mistakenly sent to Frankfurt Airport, take 12 hours later to get to London airport. Mr. Qi can only be to require airlines to stay in the luggage to his hotel, and the writing of the report of a 12-hour luggage delay, and then leave the airport. Shops in the hotel, Mr. Qi to buy some daily necessities. Mr. Qi as the company purchased the United States and Asia for the World Business Card insurance, he returned to Shanghai, according to the policy from the United States and Asia has been to buy these necessities of life indemnity.
So migrant workers: group insurance is the foundation
Pakistani engineer killed in this incident, people see a press, that is, the families of three engineers were given a 400,000 yuan insurance claims payments.
The families of the victims to give comfort to the source, it is three belong Cement Industry Design and Research Institute, Hefei, Anhui, in the land of China earlier this year to the employees of insurance companies group personal accident insurance. The insurance period of three months, since at 0:00 on the February 15, 2006 until May 15 only 24 hours, while shooting just in the insurance period. This three Chinese engineers is unfortunate, because the younger they were shot in a foreign country; three is lucky, because at least be able to give their families after the death of some financial support.
From this incident, but also to overseas workers from a reminder, that is certain to make their own units or organizations before leaving the country, and give ourselves the most basic insurance personal accident insurance, in case the unexpected occurred overseas.
From the perspective of enterprises for their overseas employees insurance group personal accident insurance, is a small investment, a major guarantor of the good things, will allow employees and their families to some extent remove the worry. For instance, the Hefei Cement Research & Design Institute for aid to the Palestinian staff of 38 insurance group personal accident insurance, the insured amount of insurance of 40 per million, a total of only 12.54 thousand yuan premium.
For the economy has spare capacity of overseas laborers, in addition to insurance groups to persuade the boss for their own protection, they would be arranged for some ordinary accident insurance or life insurance on a regular basis (the prevention of diseases such as cholera deaths occurred overseas), increased efforts to protect the individual. But precisely because it is a collective workers to go abroad, you can seek assistance from the object more, but also relatively long time to go abroad, so do not like tourists or short-term tolerance of those who like that, to purchase specialized, higher rates of overseas emergency assistance insurance.
Overseas Students: For students to protect the election matters
By the end of 2004 took place in the Russian People's Friendship University of the fire, so far so many people remember that in this disaster, there are more than 10 Chinese students were killed and more than 40 Chinese students were injured. For the safety and security of overseas students, must not be ignored. In the United Kingdom Chinese students studying in the region, laptops stolen are common; while being beaten by the news of overseas students is endless.
In addition to studying regional and national mandatory requirements of Chinese students to purchase and participate in a number of medical and health insurance schemes, out of personal safety and property security considerations, overseas Chinese students to be sure to give their own to work out some protection scheme. For children and short-term study trips abroad for the exchange of scholars, in the protection should also be considered.
At present, the CMG, and the United States and Asia have for the insurance protection scheme specially designed for students, cost-effective good. For example the United States and Asia, "bright future" overseas student protection scheme, not only cover accidental death, burns, and disability, also provided medical care outside the study period, as well as in-patient medical care during the visit, as well as carry the property during the study and travel documents loss of protection is specifically for students with a "school break security" - suffering from serious illness or other reasons within the insurance coverage was interrupted by studies of compensation has been paid the tuition fees can not be returned. This is very useful to students.
[Case 3] small Xu, 19-year-old, study funded by the parents in Australia, before leaving parents little they insured a period of one year the United States and Asia, "bright future" Overseas Student Protection Scheme (Scheme 3), selected 9 basic security interests and options to protect the medical compensation, a total of 10,795 yuan to pay insurance premiums.
Small Xu in Australia, began his dream of studying abroad in his career --- with a fresh and intense exploration. However, due to heavy school work, plus a poor diet, suffering from severe bleeding, small Xu immediately call AIG Assist has a 24-hour emergency service phone, AIG Assist immediately put him into a local hospital for treatment, and notified the Small Xu's parents. Small Xu's parents purchased by the United States and Asia under the "bright future" overseas student protection scheme, made claims to the insurance company requests. Insurance company in the small-Xu parents related that for small Xu's mother arranged for a round-trip ticket from Shanghai to Sydney and went to Sydney to visit and take care of Xu. After the end of treatment in a small Xu, insurance companies also provided in accordance with its relevant certificates and documentation, compensation for medical expenses and accommodation costs during the family visits a total of 25.6 thousand yuan.
Links
Ministry of Foreign Affairs reminded: The Chinese people are most vulnerable to security threats, countries and regions
Business: the more serious drug crime areas, such as South Africa. This is the safety of Chinese citizens are most at risk areas, paying particular attention to their own property and the local social security law and order situation.
Tourism: Southeast Asian countries such as Malaysia, frequently a number of robberies, some European countries a lot of thieves. Chinese people used to bring lots of cash overseas travel, easy to be the local looters and thieves, cases committed goals.
Study: Studying the environment in general is good, but had gone to Russia, Australia, Chinese students should pay attention to safety. Russian "skinheads" has become the biggest threat to the Chinese students.
Labor: The Middle East, such as Israel, Jordan. Africa, Madagascar, Mauritius, Algeria.
Completely restricted areas: war and civil conflict are taking place in countries such as Afghanistan, Pakistan, Iraq, China's Foreign Ministry advised citizens to avoid going to China.
