A Hong Kong tourist was killed in the Philippines just now, and everyone must still have a lingering fear. Put yourself in others' shoes. If we encounter a crisis in a foreign country with unfamiliar language and environment, what do we hope most? Of course, a phone call can make rescuers come to deal with it in time. Therefore, many overseas travel insurance regulations stipulate that as long as you call the rescue phone and customer service phone to report the case, and provide your name and date of birth, you can directly enjoy insurance services, eliminating cumbersome and inconvenient procedures and improving rescue efficiency. So what should you pay attention to when choosing this kind of insurance? Insurance experts suggest that it is best to choose insurance that provides both medical insurance and emergency rescue. In addition, overseas travel insurance generally needs to be purchased in advance before travel.
Steps/methods
First, don't be greedy for petty gain. When choosing overseas travel insurance and medical insurance, don't just choose cheap ones. The so-called one penny for one thing, mainly depends on the overall cost performance. For a simple example, if a tourist accidentally falls down abroad and is sent to a local hospital for emergency surgery, some companies do not bear all the local medical expenses, but convert them into the cost of the same operation in China to make claims. Choosing to fly back to China for medical treatment will cost a lot of transportation expenses. If you just covet cheap insurance coverage and don't have enough insurance coverage as a guarantee, it will cause greater losses at this time. Also, there is a big difference between going back to China, going back to the domestic and international airport or the airport where the domestic household registration is located.
Second, the rescue hotline should be remembered. Remember to call the police as soon as possible once the insured encounters insurance problems. Insurance experts tell consumers that overseas travel insurance is a very important item, especially emergency assistance. From tourists losing their passports and wallets to accidents, you can call the rescue hotline, and you don't have to worry about language communication, because some big international insurance groups will provide Chinese services. Therefore, before applying for insurance, the insured should carefully understand the content of emergency rescue service and the service level of overseas rescue companies that provide this service, and make the best choice.
Finally, you don't have to carry an insurance policy with you. Some tourists will think that the insurance policy is not with them, and the insurance company will not pay for it if it is really out of danger. Actually, it is not. Insurance experts say that you don't need to carry an insurance policy with you when you travel abroad. If you are in danger, you can call the police and inform the insurance company in time. Insurance companies will give customers guidance on claims and inform them of relevant precautions. Even if the customer's policy is lost, as long as the insurance period is out of danger, it is within the scope of insurance responsibility and can be guaranteed. Generally speaking, it is still very human.
Experience of Foreign Tourism Safety
With the improvement of living standards, more and more people begin to go abroad and go to the world. In the face of the increasingly popular overseas travel, mastering the following experience can help overseas travel enthusiasts enjoy the fun of traveling more safely and happily.
Check the information before you leave to get to know the local customs.
Habits vary from place to place. Therefore, we must be fully prepared before departure to avoid some unnecessary misunderstandings, such as children in India can't hold their arms, children in Thailand can't touch their heads, and Singapore will be severely punished for spitting or littering ... We must understand the most basic etiquette and customs in this country.
In addition, we should have a clear understanding of the local climate and avoid bringing the wrong luggage. For example, it is summer in Southeast Asia all year round, so summer clothes are essential.
Second, remember to buy overseas travel accident insurance before departure.
Buying overseas travel accident insurance is definitely a wise choice of "spending small money to buy big protection". Remember not to lose your sense of security by saving money.
At present, in order to better perform insurance duties and ensure the personal safety of the insured, many insurance companies have launched overseas travel emergency rescue services. For example, Pacific Property Insurance's "Overseas Travel Comprehensive and Emergency Rescue Insurance" is the forerunner of this kind of insurance. No matter whether it is elite program or distinguished program, once tourists are in distress abroad, they can enjoy all-round services such as medicine delivery, emergency medical transportation, repatriation, family visits, assistance 12 children returning to China, hotel accommodation during rest, repatriation and burial of remains or ashes, including emergency medical transportation, repatriation, repatriation and burial of remains or ashes. You can also enjoy the maximum guarantee amount of 6.5438 million yuan, and you can attach personal travel inconvenience insurance (baggage delay, baggage loss, travel delay, document replacement, etc.). ) and overseas travel legal liability insurance (6,543.8+0,000 to 400,000 yuan). At present, online shopping can also enjoy a 40% discount.
Third, bring less cash, and credit card consumption is more worry-free and safe.
When spending abroad, it is actually very convenient to swipe your card. In countries with mature credit card swiping environment, you can swipe your card when staying in a hotel, eating, taking a taxi, taking the subway, shopping, buying tickets for scenic spots, buying tickets for performances and even paying tips. More importantly, credit cards spent abroad are also the most economical way. If you go to ATM to withdraw money, in addition to the exchange fee, you have to charge a fee for each withdrawal, and the actual loss amount is relatively large.
Therefore, when traveling abroad, you can swipe your card for large purchases, and you can use cash in local specialty stores.
Fourth, shopping should be cautious and beware of counterfeit products.
Many tourists believe that when shopping abroad, they rarely encounter fake and shoddy products. This concept is completely wrong. When shopping abroad, the probability of encountering counterfeit goods is actually very high, especially in some countries in Southeast Asia.
Therefore, when buying high-value goods such as gold and silver jewelry and gemstone products abroad, you can't just listen to the promise of returning goods, let alone trust some so-called certificates. You must think carefully before buying. Businessmen in many countries make profits by cheating foreign tourists. Therefore, the safety of shopping is also something that tourists must guard against.
5. Remember not to forget the consumption tax rebate.
When you come back from your trip, don't forget to check the shopping invoice to see if the consumption tax has been refunded. Many countries will refund consumption tax to foreign consumers in some way to encourage non-citizens to shop and spend. The usual practice is for shops to issue tax refund documents, and consumers will hand in the purchased goods and tax refund documents to the sea when they leave the country.