Case: Miss Zhang is a white-collar worker in a company in Wuhan. The new year is coming, and she wants to finish her annual leave before the new year comes. She has been longing for Germany's dreamy wooden buildings, historic vineyards, romantic castles, palaces and monasteries. So she wants to know through what channels she can buy travel insurance outside Germany.
1. German travel insurance purchase guide
1. Purchase overseas travel insurance according to visa requirements.
Germany is a Schengen country, so it is necessary to buy a travel insurance outside Germany. According to the visa requirements of Schengen countries, all short-term visa applicants must purchase overseas medical insurance when submitting visa application materials to prove that they can bear the hospitalization expenses and repatriation expenses abroad. The amount of medical insurance is not less than RMB 300,000 (i.e. Euro30,000), and the insurance period is not less than 1 month.
It is best to provide medical expenses in advance.
Thirdly, the insured should fully consider the guarantee period of purchasing insurance. Tourists should take out insurance according to their travel itinerary, insurance coverage and required days, and choose a tailor-made insurance policy for themselves. Fully understanding the visa requirements and the medical level of the place of travel, while choosing the appropriate insurance period, are the three most basic elements in choosing overseas insurance products.
Usually, the higher the premium price, the richer the insurance benefits. The main difference between various types of insurance lies in whether emergency assistance advances medical expenses first, which directly affects the premium level. For the insured, if he has an acute disease in other places and has insurance to provide medical expenses in advance, there may be no worries. Therefore, when you apply for insurance, you should fully consider your own needs, and you can't just make a decision based on price.
2. Where can I buy travel insurance outside Germany in Wuhan?
1. Travel agency. After going through the travel formalities in the travel agency, consumers can buy on the spot according to their needs, and there are many varieties to choose from.
2. Ticket booking office. Travel insurance and accident insurance agents in these places tend to be transportation insurance.
3. Visa agent. Tourists who travel abroad can buy relevant travel insurance products by the way when they apply for visas. Some countries have certain requirements on the amount of insurance for tourists. It is also one of the effective and convenient ways to know the relevant contents through visa agencies and buy products suitable for your journey.
4. Buy online. There are two ways to buy online: first, you can buy through the website of the insurance company; Second, it can be purchased through some special travel websites. Brother Bao Com cooperates with many well-known domestic insurance companies to provide a variety of overseas travel insurance products for consumers to choose from. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
5. Insurance companies. You can consult an agent and ask him to help you design the insurance policy. However, due to the underdeveloped travel insurance products of some insurance companies, insurance companies only sell their own products, so consumers must choose companies with rich travel product designs.
Insurance experts reminded that the coverage of overseas travel insurance includes personal accident protection, hospitalization medical insurance, hospitalization cash subsidy, lost travel documents, travel delays and emergency assistance services. Therefore, in case of travel delay or cancellation, passengers who have purchased insurance should ask the relevant departments for written proof of flight change and other relevant information in order to claim compensation from the insurance company.
Brother Bao Com has carefully selected several overseas travel insurances for you to transfer risks.